Ameris Bancorp (ABCB) — Cash Flow Quality Index
Ameris Bancorp (ABCB) has a Cash Flow Quality Index of 0.99x as of December 2025. Operating cash flow of $107.04 Million is below net income of $108.36 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore long-term investment intensity of Ameris Bancorp to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Ameris Bancorp Cash Flow Quality Index (1994–2025)
Historical Cash Flow Quality Index for Ameris Bancorp across 29 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible net worth ratio of Ameris Bancorp to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Ameris Bancorp (1994–2025)
Year-by-year earnings quality comparison for Ameris Bancorp. For live market cap and the full company financial profile, see ABCB market cap overview.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.95x | $390.18 Million | $412.15 Million | ▲ +120.2% |
| 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 | — |