For the quarter ending 2026-03-31, ABCB had $240,379K increase in cash & cash equivalents over the period. $249,409K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 110,492 | 108,356 | 106,029 | 197,769 |
| Loss (gain) on debt redemption | - | -1,009 | 572 | 0 |
| Depreciation, amortization and accretion, net | 6,004 | 6,310 | 6,869 | 16,476 |
| Net gains on sale or disposal of premises and equipment | 0 | -72 | -68 | 121 |
| Net write-downs on premises and equipment | - | 0 | - | - |
| Provision for credit losses | 16,551 | 22,950 | 22,630 | 24,664 |
| Net write-downs and (gains) losses on sale of other real estate owned | 125 | -52 | -165 | 46 |
| Share-based compensation expense | 3,104 | 3,005 | 3,231 | 6,452 |
| Amortization of operating lease right of use assets | 2,241 | 2,006 | 2,171 | 4,604 |
| Provision for deferred taxes | 4,671 | -1,648 | -5,824 | -3,079 |
| Net gain on securities | 0 | 12 | 1,581 | 40 |
| Loan servicing asset impairment | - | 910 | - | - |
| Originations of mortgage loans held for sale | 1,025,977 | 1,167,748 | 1,026,400 | 2,087,452 |
| Payments received on mortgage loans held for sale | 9,095 | 7,981 | 9,184 | 14,189 |
| Proceeds from sales of mortgage loans held for sale | 1,155,458 | 1,144,466 | 986,293 | 2,071,092 |
| Net gains on mortgage loans held for sale | 11,503 | 16,998 | 17,031 | 19,163 |
| Originations of sba loans held for sale | 10,331 | -7 | 5,856 | 22,771 |
| Proceeds from sales of sba loans held for sale | 9,238 | 4,721 | 1,545 | 24,135 |
| Net gains on sale of sba loans held for sale | 828 | -9 | 426 | 1,364 |
| Increasein interest receivable | - | 4,849 | - | - |
| Increase in cash surrender value of bank owned life insurance | 3,581 | 3,729 | 3,405 | 6,788 |
| Increase (decrease) in interest payable | - | -4,333 | - | - |
| Gain on bank owned life insurance proceeds | 0 | 220 | 389 | 12 |
| Increase (decrease) in taxes payable | - | -20,233 | - | - |
| Gain on sale of mortgage servicing rights | 0 | 193 | 125 | 342 |
| Change attributable to other operating activities | -7,360 | 23,828 | 28,344 | -39,979 |
| Net cash provided by operating activities | 257,149 | 107,039 | 104,920 | 178,224 |
| Purchases of debt securities available-for-sale | 194,332 | 203,831 | 336,349 | 475,276 |
| Purchases of debt securities held-to-maturity | 1,994 | 3,041 | 27,134 | 13,914 |
| Proceeds from maturities and paydowns of debt securities available-for-sale | 37,778 | 114,845 | 70,597 | 307,585 |
| Proceeds from sale of mortgage servicing rights | - | 0 | 23,728 | 0 |
| Proceeds from sale of securities available-for-sale | - | 0 | 45,039 | - |
| Proceeds from maturities and paydowns of debt securities held-to-maturity | 2,742 | 2,458 | 1,090 | 2,228 |
| Net (increase) decrease in other investments | 15,675 | 15,235 | -283 | 4,455 |
| Net (increase) decrease in loans | 331,991 | 266,224 | 242,338 | 328,390 |
| Purchases of premises and equipment | 7,740 | 5,804 | 4,398 | 10,337 |
| Proceeds from sale of premises and equipment | 0 | 0 | 22 | 150 |
| Proceeds from sales of other real estate owned | 1,356 | 636 | 3,274 | 3,548 |
| Purchase of bank owned life insurance | - | 0 | 0 | - |
| Proceeds from bank owned life insurance | 0 | 1,542 | -1 | 56,900 |
| Net cash used in investing activities | -509,856 | -374,654 | -466,187 | -461,961 |
| Net increase in deposits | 260,745 | 147,917 | 295,403 | 210,227 |
| Proceeds from other borrowings | 3,390,000 | 3,018,000 | 2,530,000 | 2,615,000 |
| Repayment of other borrowings | 3,060,060 | 2,798,059 | 2,569,060 | 2,530,119 |
| Proceeds from exercise of stock options | - | 0 | - | - |
| Dividends paid - common stock | 14,039 | 13,672 | 13,698 | 27,882 |
| Purchase of treasury shares | 83,560 | 40,815 | 8,484 | 33,596 |
| Net cash provided by financing activities | 493,086 | 313,371 | 234,161 | 233,630 |
| Net increase in cash and cash equivalents | 240,379 | 45,756 | -127,106 | -50,107 |
| Cash and cash equivalents at beginning of period | 1,088,920 | 1,043,164 | 1,220,377 | - |
| Cash and cash equivalents at end of period | 1,329,299 | 1,088,920 | 1,043,164 | - |
Ameris Bancorp (ABCB)
Ameris Bancorp (ABCB)