Ameris Ban

Management prioritizes organic growth, efficiency, and disciplined capital return.

In 2025 Ameris redeemed subordinated debt that aided NIM expansion; it repurchased ~$77 million of stock in 2025 and ~$75 million in Q1 2026 while growing tangible book per share 14.5% in 2025 and a further 5.6% annualized in Q1 2026. Dividend is modest ($0.20 quarterly), leaving capacity for reinvestment and buybacks.

Stock‑based compensation is primarily in restricted stock/PSUs, and share count has been trending down with buybacks. M&A is not a near‑term priority, reducing integration risk. Overall, capital deployment has enhanced per‑share value without weakening capital.