Ameris Bancorp (ABCB) - Net Assets
Based on the latest financial reports, Ameris Bancorp (ABCB) has net assets worth $4.08 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($27.52 Billion) and total liabilities ($23.44 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. Check Ameris Bancorp (ABCB) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $4.08 Billion |
| % of Total Assets | 14.81% |
| Annual Growth Rate | 17.11% |
| 5-Year Change | -82.27% |
| 10-Year Change | 530.54% |
| Growth Volatility | 184.91 |
Ameris Bancorp - Net Assets Trend (1994–2025)
This chart illustrates how Ameris Bancorp's net assets have evolved over time, based on quarterly financial data. Also explore Ameris Bancorp asset portfolio for the complete picture of this company's asset base.
Annual Net Assets for Ameris Bancorp (1994–2025)
The table below shows the annual net assets of Ameris Bancorp from 1994 to 2025. For live valuation and market cap data, see Ameris Bancorp market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $4.08 Billion | +8.65% |
| 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 18632.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $2.21 Billion | 54.23% |
| Common Stock | $72.90 Million | 1.79% |
| Other Comprehensive Income | $8.31 Million | 0.20% |
| Other Components | $1.78 Billion | 43.78% |
| Total Equity | $4.08 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 |
|---|---|
|
Caitong Securities Co Ltd
SHG:601108
|
$5.71 Billion |
|
Jiangsu Financial Leasing Co Ltd Class A
SHG:600901
|
$5.71 Billion |
|
Focuslight Technologies Inc. A
SHG:688167
|
$5.72 Billion |
|
Shanxi Xishan Coal and Electricity Power Co Ltd
SHE:000983
|
$5.72 Billion |
|
Ecovacs Robotics Co Ltd
SHG:603486
|
$5.70 Billion |
|
Porsche Automobil Holding SE
XETRA:PAH3
|
$5.70 Billion |
|
Aluminum Corporation of China Limited
F:AOC
|
$5.69 Billion |
|
China Vanke Co Ltd Class A
SHE:000002
|
$5.69 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 2024 to 2025, total equity changed from 3,751,522,000 to 4,076,028,000, a change of 324,506,000 (8.6%).
- Net income of 412,154,000 contributed positively to equity growth.
- Dividend payments of 55,252,000 reduced retained earnings.
- Share repurchases of 82,895,000 reduced equity.
- Other comprehensive income increased equity by 38,430,999.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $412.15 Million | +10.11% |
| Dividends Paid | $55.25 Million | -1.36% |
| Share Repurchases | $82.89 Million | -2.03% |
| Other Comprehensive Income | $38.43 Million | +0.94% |
| Other Changes | $12.07 Million | +0.3% |
| Total Change | $- | 8.65% |
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: 1.46x
- 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 15.49x to 1.46x 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 | $86.52 | x |
| 1995-12-31 | $5.41 | $86.52 | x |
| 1996-12-31 | $5.96 | $86.52 | x |
| 1997-12-31 | $6.35 | $86.52 | x |
| 1998-12-31 | $6.66 | $86.52 | x |
| 1999-12-31 | $7.05 | $86.52 | x |
| 2000-12-31 | $7.70 | $86.52 | x |
| 2001-12-31 | $12.13 | $86.52 | x |
| 2002-12-31 | $11.67 | $86.52 | x |
| 2003-12-31 | $9.38 | $86.52 | x |
| 2004-12-31 | $9.97 | $86.52 | x |
| 2005-12-31 | $12.01 | $86.52 | x |
| 2006-12-31 | $13.20 | $86.52 | x |
| 2007-12-31 | $13.65 | $86.52 | x |
| 2008-12-31 | $17.23 | $86.52 | x |
| 2009-12-31 | $14.01 | $86.52 | x |
| 2010-12-31 | $13.34 | $86.52 | x |
| 2011-12-31 | $12.48 | $86.52 | x |
| 2012-12-31 | $11.70 | $86.52 | x |
| 2013-12-31 | $13.01 | $86.52 | x |
| 2014-12-31 | $13.94 | $86.52 | x |
| 2015-12-31 | $16.02 | $86.52 | x |
| 2016-12-31 | $18.63 | $86.52 | x |
| 2017-12-31 | $21.66 | $86.52 | x |
| 2018-12-31 | $33.67 | $86.52 | x |
| 2019-12-31 | $285.19 | $86.52 | x |
| 2020-12-31 | $286.48 | $86.52 | x |
| 2021-12-31 | $329.58 | $86.52 | x |
| 2022-12-31 | $46.06 | $86.52 | x |
| 2023-12-31 | $49.59 | $86.52 | x |
| 2024-12-31 | $54.29 | $86.52 | x |
| 2025-12-31 | $59.33 | $86.52 | 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): 10.11%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 24.75%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 6.75x
- Recent ROE (10.11%) is above the historical average (7.31%), 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 | 0.97% | 19.70% | 0.04x | 1.09x | $-1.51 Billion |
| 2020 | 1.32% | 22.84% | 0.06x | 1.03x | $-1.73 Billion |
| 2021 | 1.64% | 36.29% | 0.04x | 1.04x | $-1.92 Billion |
| 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 |
| 2025 | 10.11% | 24.75% | 0.06x | 6.75x | $4.55 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: $237,144,778
- Average return on equity (ROE) among peers: 7.80%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ameris Bancorp (ABCB) | $4.08 Billion | 10.16% | 5.75x | $5.70 Billion |
| Ameris Bancorp (ABCB) | $63.00 Million | 11.43% | 9.69x | $4.95 Billion |
| ACNB Corporation (ACNB) | $59.86 Million | 13.07% | 8.12x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $88.34 Million | 8.34% | 11.76x | $647.19 Million |
| Amalgamated Bank (AMAL) | $490.54 Million | 9.62% | 9.86x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $938.80 Million | 5.58% | 9.41x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $140.82 Million | 15.48% | 12.08x | $601.02 Million |
| Associated Banc-Corp (ASB) | $138.60 Million | 13.85% | 12.49x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $85.22 Million | -11.40% | 10.85x | $61.92 Million |
About Ameris Bancorp
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various 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, interest-bearing savings, money market, individual retirement, and c… Read more