ABCB Ameris Bancorp margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 75

Gross margin

100%

Operating margin

41%

EBITDA margin

43.8%

Net margin

31.8%

Based on the latest figures, Ameris Bancorp reports a gross margin of 100%, an operating margin of 41%, an EBITDA margin of 43.8%, and a net margin of 31.8%. EBITDA margin led the reported margin declines with 5.6 percentage points, while the other margins did not change.

ABCB margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, Ameris Bancorp recorded average margins of 100% gross, 43.29% operating, 47.27% EBITDA, and 32.97% net. The latest figures show operating, EBITDA, and net margins are below their three-year averages.

ABCB margin expansion

Year-over-year margin changes in percentage points

Operating margin contracted by 4.4 percentage points, EBITDA margin by 5.6 percentage points, and net margin by 3.2 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

-4.4pp

EBITDA margin expansion

-5.6pp

Net margin expansion

-3.2pp

ABCB Gross margin

Over the last 3 years, the average gross margin for Ameris Bancorp was 100%. The latest gross margin for Ameris Bancorp is 100%, in line with its three-year average. Ameris Bancorp's gross margin ranged from a low of 100% in Dec 2023 to a high of 100% in Jun 2026.

ABCB Operating margin

Over the last 3 years, the average operating margin for Ameris Bancorp was 43.29%. The latest operating margin for Ameris Bancorp is 41%, 2.3 percentage points below its three-year average. Ameris Bancorp's operating margin ranged from a low of 38.2% in Dec 2023 to a high of 47.9% in Mar 2026.

ABCB EBITDA margin

Throughout the last 3 years, Ameris Bancorp had an average EBITDA margin of 47.27%. The current EBITDA margin stands at 43.8%, 3.5 percentage points below its three-year average. Looking back over the last 3 years, Ameris Bancorp's EBITDA margin reached 51% at its highest point in Mar 2026 and 43.1% at its lowest in Dec 2023.

ABCB Net margin

The average net margin for Ameris Bancorp was 32.97% during the last 3 years. At present, the current net margin for Ameris Bancorp is 31.8%, 1.2 percentage points below its three-year average. The net margin for Ameris Bancorp moved between 28.8% in Dec 2023 and 37.1% in Mar 2026.

ABCB margin group comparison

Margins compared with peer-group, industry and sector averages

Ameris Bancorp's gross margin of 100% is higher than the Financial Services sector and the industry average. Looking at the Financial Services sector average of 83.9%, Ameris Bancorp's gross margin is 19% higher.

ABCB margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Ameris Bancorp's gross margin?

For the period ending Jun 30, 2026, ABCB recorded a gross margin of 100%.

What is Ameris Bancorp's operating margin?

For the period ending Jun 30, 2026, ABCB recorded an operating margin of 41%.

What is Ameris Bancorp's EBITDA margin?

The current EBITDA margin for ABCB is 43.8% as of Jun 30, 2026.

What is Ameris Bancorp's net margin?

The current net margin for ABCB is 31.8% as of Jun 30, 2026.

What are the average margins of ABCB?

The three-year average margins for ABCB were 100.0% gross, 43.3% operating, 47.3% EBITDA, and 33.0% net.

What are the highest historical margins of ABCB?

Across the 5-year period, ABCB posted its highest margins at 100% gross in Jun 2026, 47.9% operating in Mar 2026, 51.5% EBITDA in Dec 2021, and 37.1% net in Mar 2026.

What are the lowest historical margins of ABCB?

Over the last 5 years, Ameris Bancorp's lowest margins were 100% gross in Dec 2021, 38.2% operating in Dec 2023, 43.1% EBITDA in Dec 2023, and 28.8% net in Dec 2023.