Q2 FY2026 EarningsQ2 FY26 GAAP results missed consensus significantly due to a $82.5M litigation accrual, with Diluted EPS of $0.77 vs. $1.66 expected. Core operating performance remained resilient as Net Interest Margin (NIM) beat expectations at 3.88% vs. 3.84% consensus, and Net Interest Income (NII) grew 8.9% YoY. Excluding the one-time legal charge, core earnings exceeded expectations, though overall profitability was also impacted by a sharp YoY increase in credit loss provisions to $17.3M.
Financial report interval: 2026.03.30 - 2026.06.30
Overview: Ameris Bancorp(ABCB) the Revenue is 326.97 M (+8.52%), Beat estimate;the EBIT is 84.26 M (-42.3%), Miss estimate;the EPS is 0.77 (-51.88%), Miss estimate.
Actual
YoY
Estimate
YoY
Vs estimate
YoY
RevenueExceed expectations
0.33B8.52%
0.32B7.44%
+0.00B1.08%
EBITMiss expectations
0.08B42.30%
0.16B11.68%
-0.08B53.98%
EPSMiss expectations
0.7751.88%
1.663.75%
-0.890055.63%
Revenue
ActualEstimateUnit: USD
qf
EBIT
ActualEstimateUnit: USD
qf
Net income
ActualEstimateUnit: USD
qf
EPS
ActualEstimateUnit: USD
qf