Ameris Bancorp (ABCB) — Cash Flow Quality Index
Latest as of September 2025:
0.99x
Ameris Bancorp (ABCB) has a Cash Flow Quality Index of 0.99x as of September 2025. Operating cash flow of $104.92 Million is below net income of $106.03 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore ABCB operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
0.99x
Operating CF / Net Income
Operating Cash Flow
$104.92 Million
USD
Net Income
$106.03 Million
USD
Data as of
Sep 2025
Most recent filing
Ameris Bancorp Cash Flow Quality Index (1994–2024)
Historical Cash Flow Quality Index for Ameris Bancorp across 28 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see ABCB cash flow metrics.
Annual Cash Flow Quality Index for Ameris Bancorp (1994–2024)
Year-by-year earnings quality comparison for Ameris Bancorp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 0.43x | $154.19 Million | $358.69 Million | ▼ -79.7% |
| 2023 | 2.11x | $568.96 Million | $269.11 Million | ▼ -31.0% |
| 2022 | 3.07x | $1.06 Billion | $346.54 Million | ▲ +12543.3% |
| 2021 | 0.02x | $9.14 Million | $376.91 Million | ▼ -99.2% |
| 2020 | 3.05x | $798.40 Million | $261.99 Million | ▲ +152.3% |
| 2019 | -5.82x | $-940.21 Million | $161.44 Million | ▼ -547.8% |
| 2018 | -0.90x | $-108.80 Million | $121.03 Million | ▼ -5.7% |
| 2017 | -0.85x | $-62.56 Million | $73.55 Million | ▲ +12.1% |
| 2016 | -0.97x | $-69.77 Million | $72.10 Million | ▼ -56.7% |
| 2015 | -0.62x | $-25.22 Million | $40.85 Million | ▼ -327.3% |
| 2014 | -0.14x | $-5.60 Million | $38.72 Million | ▼ -113.2% |
| 2013 | 1.09x | $21.85 Million | $20.02 Million | ▲ +301.3% |
| 2012 | -0.54x | $-7.83 Million | $14.44 Million | ▼ -124.8% |
| 2011 | 2.19x | $46.17 Million | $21.09 Million | ▲ +44.0% |
| 2007 | 1.52x | $23.02 Million | $15.15 Million | ▼ -3.1% |
| 2006 | 1.57x | $34.70 Million | $22.13 Million | ▼ -0.8% |
| 2005 | 1.58x | $21.70 Million | $13.73 Million | ▼ -0.9% |
| 2004 | 1.60x | $20.90 Million | $13.10 Million | ▲ +2.9% |
| 2003 | 1.55x | $18.62 Million | $12.01 Million | ▼ -28.5% |
| 2002 | 2.17x | $22.45 Million | $10.36 Million | ▲ +21.0% |
| 2001 | 1.79x | $17.26 Million | $9.63 Million | ▲ +33.6% |
| 2000 | 1.34x | $13.54 Million | $10.10 Million | ▼ -22.1% |
| 1999 | 1.72x | $15.50 Million | $9.00 Million | ▼ -18.0% |
| 1998 | 2.10x | $14.50 Million | $6.90 Million | ▲ +63.7% |
| 1997 | 1.28x | $9.50 Million | $7.40 Million | ▼ -16.7% |
| 1996 | 1.54x | $11.10 Million | $7.20 Million | ▲ +24.9% |
| 1995 | 1.23x | $7.90 Million | $6.40 Million | ▼ -25.0% |
| 1994 | 1.65x | $5.10 Million | $3.10 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.