For the year ending 2025-12-31, ABCB had -$131,457K decrease in cash & cash equivalents over the period. $369,644K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 412,154 |
| Depreciation, amortization and accretion, net | 29,655 |
| Net (gains) losses on sale or disposal of premises and equipment | -19 |
| Net write-downs on premises and equipment | 0 |
| Provision for credit losses | 70,244 |
| Net write-downs and (gains) losses on sale of other real estate owned | -171 |
| Share-based compensation expense | 12,688 |
| Amortization of operating lease right of use assets | 8,781 |
| Provision for deferred taxes | -10,551 |
| Net (gain) loss on securities | 1,633 |
| Loan servicing asset impairment | 910 |
| Originations of mortgage loans held for sale | 4,281,600 |
| Payments received on mortgage loans held for sale | 31,354 |
| Proceeds from sales of mortgage loans held for sale | 4,201,851 |
| Net (gains) losses on mortgage loans held for sale | 53,192 |
| Originations of sba loans | 28,620 |
| Proceeds from sales of sba loans | 30,401 |
| Net gains on sales of sba loans | 1,781 |
| Increase in cash surrender value of bank owned life insurance | 13,922 |
| Gain on bank owned life insurance proceeds | 621 |
| Loss (gain) on sale of mortgage servicing rights | 660 |
| Loss (gain) on debt redemption | -437 |
| Increasein interest receivable | 4,849 |
| Increase (decrease) in interest payable | -4,333 |
| Increase (decrease) in taxes payable | -20,233 |
| Change attributable to other operating activities | 12,193 |
| Net cash provided by operating activities | 390,183 |
| Purchases of securities available-for-sale | 1,015,456 |
| Purchases of securities held-to-maturity | 44,089 |
| Proceeds from prepayments and maturities of securities available-for-sale | 493,027 |
| Proceeds from prepayments and maturities of securities held-to-maturity | 5,776 |
| Proceeds from sale of securities available-for-sale | 45,039 |
| Net (increase) decrease in other investments | 19,407 |
| Net increase in loans | 836,952 |
| Proceeds from sale of mortgage servicing rights | 23,728 |
| Purchases of premises and equipment | 20,539 |
| Proceeds from sale of premises and equipment | 172 |
| Proceeds from sales of other real estate owned | 7,458 |
| Purchase of bank owned life insurance | 0 |
| Proceeds from bank owned life insurance | 58,441 |
| Net cash used in investing activities | -1,302,802 |
| Net increase in deposits | 653,547 |
| Proceeds from other borrowings | 8,163,000 |
| Repayment of other borrowings | 7,897,238 |
| Proceeds from exercise of stock options | 0 |
| Dividends paid - common stock | 55,252 |
| Purchase of treasury shares | 82,895 |
| Net cash provided by (used in) financing activities | 781,162 |
| Net increase (decrease) in cash and cash equivalents | -131,457 |
| Cash and cash equivalents at beginning of period | 1,220,377 |
| Cash and cash equivalents at end of period | 1,088,920 |
Ameris Bancorp (ABCB)
Ameris Bancorp (ABCB)