Ameris Bancorp (ABCB) reported $315.19 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 10.7%. EPS of $1.53 for the same period compares to $1.38 a year ago.
The reported revenue represents a surprise of +3.51% over the Zacks Consensus Estimate of $304.5 million. With the consensus EPS estimate being $1.47, the EPS surprise was +4.08%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Ameris Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin (TE): 3.8% versus 3.7% estimated by three analysts on average.
- Efficiency ratio: 49.2% versus the three-analyst average estimate of 51.6%.
- Book value per share (period end): $58.56 versus $58.10 estimated by three analysts on average.
- Net charge-offs as a percent of average loans (annualized): 0.1% compared to the 0.2% average estimate based on two analysts.
- Total non-performing assets: $109.43 million compared to the $107.67 million average estimate based on two analysts.
- Average Balances - Total Earning Assets: $24.96 billion compared to the $24.93 billion average estimate based on two analysts.
- Net Interest Income (TE): $238.92 million compared to the $232.93 million average estimate based on three analysts.
- Total Non-Interest Income: $76.27 million compared to the $71.57 million average estimate based on three analysts.
- Net Interest Income: $237.96 million versus the two-analyst average estimate of $233.92 million.
View all Key Company Metrics for Ameris Bancorp here>>>
Shares of Ameris Bancorp have returned -1.1% over the past month versus the Zacks S&P 500 composite's +2.5% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Ameris Bancorp (ABCB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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