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Zacks Company Profile for Ameris Bancorp (ABCB : NYSE)

• Company Description    ABC Bancorp is a bank holding company. Number of Employees: 2,691

• Price / Volume Information    Yesterday's Closing Price: $83.85 Daily Weekly Monthly 20 Day Moving Average: 543,931 shares Shares Outstanding: 68.32 (millions) Market Capitalization: $5,728.23 (millions) Beta: 0.99 52 Week High: $87.98 52 Week Low: $48.27 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 6.23% 5.51% 12 Week 9.95% 8.71% Year To Date 12.90% 12.94%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 3490 PIEDMONT RD SUITE 1550 - ATLANTA,GA 30305 USA ph: 404-639-6500 fax: 229-890-2235 investor.relations@amerisbank.com http://www.amerisbank.com

• General Corporate Information    Officers H. Palmer Proctor, Jr. - Chief Executive Officer Nicole S. Stokes - Chief Financial Officer and Executive Vice Preside Rodney D. Bullard - Director Wm. Millard Choate - Director Leo J. Hill - Director Peer Information Ameris Bancorp (TSFG) Ameris Bancorp (ABCB) Ameris Bancorp (CFNL) Ameris Bancorp (CPKF) Ameris Bancorp (HIB) Ameris Bancorp (FVB) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-SOUTHEAST Sector: Finance CUSIP: 03076K108 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 12/01/25 Next Expected EPS Date: 04/27/26 Share - Related Items Shares Outstanding: 68.32 Most Recent Split Date: 6.00 (1.01:1) Beta: 0.99 Market Capitalization: $5,728.23 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 0.95% Current Fiscal Quarter EPS Consensus Estimate: $1.54 Indicated Annual Dividend: $0.80 Current Fiscal Year EPS Consensus Estimate: $6.48 Payout Ratio: 0.13 Number of Estimates in the Fiscal Year Consensus: 5.00 Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 12/31/2025 - $0.20 Next EPS Report Date: 04/27/26

• Fundamental Ratios P/E Current FY Estimate: 12.95 Trailing 12 Months: 14.00 PEG Ratio: - Price Ratios Price/Book: 1.41 Price/Cash Flow: 13.40 Price / Sales: 3.44 EPS Growth vs. Year Ago Period: 15.22% vs. Previous Quarter: 3.92% Sales Growth vs. Year Ago Period: 1.10% vs. Previous Quarter: -2.65% ROE 12/31/25 - 10.40 09/30/25 - 10.26 06/30/25 - 10.22 ROA 12/31/25 - 1.53 09/30/25 - 1.49 06/30/25 - 1.47 Current Ratio 12/31/25 - 1.02 09/30/25 - 1.01 06/30/25 - 1.02 Quick Ratio 12/31/25 - 0.99 09/30/25 - 0.99 06/30/25 - 1.00 Operating Margin 12/31/25 - 24.71 09/30/25 - 23.95 06/30/25 - 23.44 Net Margin 12/31/25 - 24.75 09/30/25 - 23.97 06/30/25 - 23.65 Pre-Tax Margin 12/31/25 - 32.05 09/30/25 - 31.23 06/30/25 - 30.68 Book Value 12/31/25 - 59.67 09/30/25 - 58.56 06/30/25 - 56.85 Inventory Turnover 12/31/25 - 0.73 09/30/25 - 0.78 06/30/25 - 0.84 Debt-to-Equity 12/31/25 - 0.17 09/30/25 - 0.12 06/30/25 - 0.13 Debt-to-Capital 12/31/25 - 14.52 09/30/25 - 10.49 06/30/25 - 11.52

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