Ameris Bancorp

ABCBNYSEFinancial Services● Active

$85.56

+$0.09(+0.11%)

Market Cap$5.8B

P/E Ratio—

52W High$87.99

52W Low$59.54

Avg Volume514K

Open$85.63

Beta0.93

Free Cash Flow Financials Revenue

Ameris Bancorp (ABCB) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

ABCB · free cash flow · updated Jun 8, 2026

Core FCF metrics

ABCB · FCF · TTM · margin & CAGR

Free cash flow was $369.6M for FY2025 (fiscal year ending 2025-12-31), up 162.7% year-over-year The FCF margin was 22.2%. Five-year CAGR stands at -13.9%.

FY2025 Free Cash Flow$369.6M▲ +162.7% YoY

Trailing 12M (TTM)$504.9Mtrailing 4 quarters sum

FCF Margin22.2%$369.6M ÷ revenue

3-Year CAGR-29.4%FY2022 → FY2025

5-Year CAGR-13.9%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

ABCB · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$390.2M(21M)$369.6M▲ +162.7%22.2%

FY2024$154.2M(13M)$140.7M▼ 74.5%8.6%

FY2023$569.0M(18M)$551.4M▼ 47.4%37.1%

FY2022$1.06B(14M)$1.05B▲ +6531.8%91.9%

FY2021$9.1M(25M)−$16.3M▼ 102.1%-1.6%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

ABCB · P/FCF · FCF yield · FCF per share

Ameris Bancorp (ABCB) trades at a FCF yield of 8.78% and a price-to-free-cash-flow ratio of 11.6x. FCF per share stands at $7.38, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

8.78%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$7.38

TTM FCF ÷ Shares Outstanding

Price / FCF

x11.6

Share Price ÷ FCF per Share

EV / FCF (TTM)

x10.8

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

ABCB · cash flow statement · operating / investing / financing

For FY2025, Ameris Bancorp generated $390.2M in operating cash flow and spent 21M in capital expenditures, yielding $369.6M in free cash flow.

Operating Activities

+$390.2M

Cash from core business operations

2025-12-31

Investing Activities

−$1.30B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$781.2M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($390.2M) − |CapEx| (21M) = FCF ($369.6M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

ABCB vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Ameris BancorpYOU

ABCB

$369.6M+162.7%22.2%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Ameris Bancorp (ABCB) reported free cash flow of $369.6M for FY2025 (fiscal year ending 2025-12-31), up 162.7% year-over-year. The FCF margin was 22.2%.

Based on available data, Ameris Bancorp has maintained positive free cash flow for at least 7 fiscal year(s). FCF peaked at $1.05B in FY2022. The 5-year CAGR stands at -13.9%.

Ameris Bancorp's FCF yield is 8.78% and price-to-FCF ratio is 11.6x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

ABCB free cash flow · 8 questions

Ameris Bancorp free cash flow was $369.6M for FY2025, up 162.7% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $504.9M.

ABCB free cash flowABCB FCFABCB FCF 2025ABCB free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Ameris Bancorp · Ameris Bancorp SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026