Ameris Bancorp
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, regular interest-bearing savings, money market, individual retireme… Read more
Ameris Bancorp (ABCB) - Net Assets
Latest net assets as of September 2025: $4.02 Billion USD
Based on the latest financial reports, Ameris Bancorp (ABCB) has net assets worth $4.02 Billion USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($27.10 Billion) and total liabilities ($23.08 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $4.02 Billion |
| % of Total Assets | 14.82% |
| Annual Growth Rate | 17.4% |
| 5-Year Change | -81.14% |
| 10-Year Change | 628.79% |
| Growth Volatility | 187.82 |
Ameris Bancorp - Net Assets Trend (1994–2024)
This chart illustrates how Ameris Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Ameris Bancorp (1994–2024)
The table below shows the annual net assets of Ameris Bancorp from 1994 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $3.75 Billion | +9.48% |
| 2023-12-31 | $3.43 Billion | +7.17% |
| 2022-12-31 | $3.20 Billion | -86.09% |
| 2021-12-31 | $22.99 Billion | +15.60% |
| 2020-12-31 | $19.89 Billion | +18.98% |
| 2019-12-31 | $16.72 Billion | +1047.82% |
| 2018-12-31 | $1.46 Billion | +81.03% |
| 2017-12-31 | $804.48 Million | +24.45% |
| 2016-12-31 | $646.44 Million | +25.58% |
| 2015-12-31 | $514.76 Million | +40.63% |
| 2014-12-31 | $366.03 Million | +15.58% |
| 2013-12-31 | $316.70 Million | +13.51% |
| 2012-12-31 | $279.02 Million | -5.02% |
| 2011-12-31 | $293.77 Million | +7.45% |
| 2010-12-31 | $273.41 Million | +40.23% |
| 2009-12-31 | $194.96 Million | -18.55% |
| 2008-12-31 | $239.36 Million | +25.16% |
| 2007-12-31 | $191.25 Million | +7.00% |
| 2006-12-31 | $178.73 Million | +20.19% |
| 2005-12-31 | $148.70 Million | +22.96% |
| 2004-12-31 | $120.94 Million | +7.46% |
| 2003-12-31 | $112.55 Million | -20.73% |
| 2002-12-31 | $141.98 Million | +2.41% |
| 2001-12-31 | $138.65 Million | +71.90% |
| 2000-12-31 | $80.66 Million | +6.13% |
| 1999-12-31 | $76.00 Million | +5.85% |
| 1998-12-31 | $71.80 Million | +5.28% |
| 1997-12-31 | $68.20 Million | +8.25% |
| 1996-12-31 | $63.00 Million | +85.84% |
| 1995-12-31 | $33.90 Million | +11.15% |
| 1994-12-31 | $30.50 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Ameris Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 15607.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.85 Billion | 49.40% |
| Common Stock | $72.70 Million | 1.94% |
| Other Comprehensive Income | $-30.12 Million | -0.80% |
| Other Components | $1.86 Billion | 49.46% |
| Total Equity | $3.75 Billion | 100.00% |
Ameris Bancorp Competitors by Market Cap
The table below lists competitors of Ameris Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Lien Viet Post Joint Stock Commercial Bank
VN:LPB
|
$4.91 Billion |
|
Core Natural Resources, Inc.
NYSE:CNR
|
$4.91 Billion |
|
Coca-Cola FEMSA S.A.B. de C.V
PINK:COCSF
|
$4.91 Billion |
|
Hwatsing Technology Co. Ltd. A
SHG:688120
|
$4.91 Billion |
|
Hashicorp Inc
NASDAQ:HCP
|
$4.91 Billion |
|
U-Haul Holding Company
NYSE:UHAL
|
$4.91 Billion |
|
Wex Inc
NYSE:WEX
|
$4.91 Billion |
|
OMRON Corporation
PINK:OMRNF
|
$4.90 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Ameris Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 3,426,747,000 to 3,751,522,000, a change of 324,775,000 (9.5%).
- Net income of 358,685,000 contributed positively to equity growth.
- Dividend payments of 41,460,000 reduced retained earnings.
- Share repurchases of 7,954,000 reduced equity.
- Other comprehensive income increased equity by 5,820,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $358.69 Million | +9.56% |
| Dividends Paid | $41.46 Million | -1.11% |
| Share Repurchases | $7.95 Million | -0.21% |
| Other Comprehensive Income | $5.82 Million | +0.16% |
| Other Changes | $9.68 Million | +0.26% |
| Total Change | $- | 9.48% |
Book Value vs Market Value Analysis
This analysis compares Ameris Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.41x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 13.71x to 1.41x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1994-12-31 | $5.58 | $76.55 | x |
| 1995-12-31 | $5.41 | $76.55 | x |
| 1996-12-31 | $5.96 | $76.55 | x |
| 1997-12-31 | $6.35 | $76.55 | x |
| 1998-12-31 | $6.66 | $76.55 | x |
| 1999-12-31 | $7.05 | $76.55 | x |
| 2000-12-31 | $7.70 | $76.55 | x |
| 2001-12-31 | $12.13 | $76.55 | x |
| 2002-12-31 | $11.67 | $76.55 | x |
| 2003-12-31 | $9.38 | $76.55 | x |
| 2004-12-31 | $9.97 | $76.55 | x |
| 2005-12-31 | $12.01 | $76.55 | x |
| 2006-12-31 | $13.20 | $76.55 | x |
| 2007-12-31 | $13.65 | $76.55 | x |
| 2008-12-31 | $17.23 | $76.55 | x |
| 2009-12-31 | $14.01 | $76.55 | x |
| 2010-12-31 | $13.34 | $76.55 | x |
| 2011-12-31 | $12.48 | $76.55 | x |
| 2012-12-31 | $11.70 | $76.55 | x |
| 2013-12-31 | $13.01 | $76.55 | x |
| 2014-12-31 | $13.94 | $76.55 | x |
| 2015-12-31 | $16.02 | $76.55 | x |
| 2016-12-31 | $18.63 | $76.55 | x |
| 2017-12-31 | $21.66 | $76.55 | x |
| 2018-12-31 | $33.67 | $76.55 | x |
| 2019-12-31 | $42.13 | $76.55 | x |
| 2020-12-31 | $38.13 | $76.55 | x |
| 2021-12-31 | $42.52 | $76.55 | x |
| 2022-12-31 | $46.06 | $76.55 | x |
| 2023-12-31 | $49.59 | $76.55 | x |
| 2024-12-31 | $54.29 | $76.55 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Ameris Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.56%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.97%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 7.00x
- Recent ROE (9.56%) is above the historical average (8.04%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1994 | 10.16% | 12.76% | 0.08x | 9.60x | $50.00K |
| 1995 | 18.88% | 13.94% | 0.13x | 10.07x | $3.01 Million |
| 1996 | 11.43% | 12.61% | 0.08x | 10.69x | $900.00K |
| 1997 | 10.85% | 11.14% | 0.10x | 10.15x | $580.00K |
| 1998 | 9.61% | 9.91% | 0.10x | 10.10x | $-280.00K |
| 1999 | 11.84% | 13.25% | 0.09x | 10.39x | $1.40 Million |
| 2000 | 12.52% | 13.08% | 0.09x | 10.24x | $2.03 Million |
| 2001 | 6.95% | 11.38% | 0.07x | 8.49x | $-4.23 Million |
| 2002 | 7.29% | 11.91% | 0.07x | 8.40x | $-3.84 Million |
| 2003 | 10.57% | 15.16% | 0.07x | 10.28x | $648.70K |
| 2004 | 10.83% | 16.93% | 0.06x | 10.48x | $1.01 Million |
| 2005 | 9.23% | 14.75% | 0.05x | 11.41x | $-1.14 Million |
| 2006 | 12.38% | 15.43% | 0.07x | 11.46x | $4.25 Million |
| 2007 | 7.92% | 9.26% | 0.08x | 11.04x | $-3.97 Million |
| 2008 | -1.64% | -2.64% | 0.06x | 10.06x | $-27.85 Million |
| 2009 | -21.43% | -31.10% | 0.06x | 12.43x | $-61.29 Million |
| 2010 | -1.46% | -2.86% | 0.05x | 10.87x | $-31.33 Million |
| 2011 | 7.18% | 12.63% | 0.06x | 10.19x | $-8.28 Million |
| 2012 | 5.17% | 9.96% | 0.05x | 10.82x | $-13.47 Million |
| 2013 | 6.32% | 12.72% | 0.04x | 11.58x | $-11.65 Million |
| 2014 | 10.58% | 18.10% | 0.05x | 11.03x | $2.12 Million |
| 2015 | 7.94% | 15.82% | 0.05x | 10.86x | $-10.63 Million |
| 2016 | 11.15% | 21.29% | 0.05x | 10.66x | $7.46 Million |
| 2017 | 9.14% | 18.61% | 0.05x | 9.77x | $-6.90 Million |
| 2018 | 8.31% | 22.93% | 0.05x | 7.86x | $-24.61 Million |
| 2019 | 6.54% | 19.70% | 0.04x | 7.39x | $-85.52 Million |
| 2020 | 9.90% | 22.84% | 0.06x | 7.72x | $-2.72 Million |
| 2021 | 12.71% | 36.29% | 0.04x | 8.04x | $80.27 Million |
| 2022 | 10.84% | 30.36% | 0.05x | 7.84x | $26.80 Million |
| 2023 | 7.85% | 18.09% | 0.06x | 7.35x | $-73.57 Million |
| 2024 | 9.56% | 21.97% | 0.06x | 7.00x | $-16.47 Million |
Industry Comparison
This section compares Ameris Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $28,509,696,444
- Average return on equity (ROE) among peers: 9.28%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ameris Bancorp (ABCB) | $4.02 Billion | 10.16% | 5.75x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |