Ameris Bancorp
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ABCB FY 2025 request
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/api/financials?ticker=ABCB&year=2025&quarter=4&full_year_mode=true
Pick an endpoint and run the request.Income Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Interest And Fee Income Loans And Leases | 1,265,351 | 1,265,522 | -0.0% |
| Interest Income Securities Taxable | 87,327 | 61,518 | +42.0% |
| Interest Income Securities Tax Exempt | 1,428 | 1,338 | +6.7% |
| Interest Income Deposits With Financial Institutions | 40,419 | 49,906 | -19.0% |
| Interest And Dividend Income Operating | 1,394,525 | 1,378,284 | +1.2% |
Show Business Segments breakouts |
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| Banking Division | 968,606 | 962,918 | +0.6% |
| Premium Finance Division | 116,428 | 103,432 | +12.6% |
| Retail Mortgage [Member] | 238,818 | 236,670 | +0.9% |
| Warehouse Lending [Member] | 70,673 | 75,264 | -6.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 197,885 | 149,371 | +32.5% |
| Interest Expense Deposits | 424,176 | 484,673 | -12.5% |
| Interest Expense Borrowings | 33,426 | 44,421 | -24.8% |
| Interest Expense Operating | 457,602 | 529,094 | -13.5% |
Show Business Segments breakouts |
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| Banking Division | 188,069 | 271,201 | -30.7% |
| Premium Finance Division | 71,305 | 67,027 | +6.4% |
| Retail Mortgage [Member] | 155,452 | 142,374 | +9.2% |
| Warehouse Lending [Member] | 42,776 | 48,492 | -11.8% |
Show Consolidated Entities breakouts |
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| Parent Company | 15,348 | 22,504 | -31.8% |
| Interest Income Expense Net | 936,923 | 849,190 | +10.3% |
Show Business Segments breakouts |
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| Banking Division | 780,537 | 691,717 | +12.8% |
| Premium Finance Division | 45,123 | 36,405 | +23.9% |
| Retail Mortgage [Member] | 83,366 | 94,296 | -11.6% |
| Warehouse Lending [Member] | 27,897 | 26,772 | +4.2% |
| Provision For Loan Losses Expensed | 47,406 | 69,841 | -32.1% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 27,621 | 59,726 | -53.8% |
| Commercial Real Estate Portfolio Segment | 10,524 | 7,677 | +37.1% |
| Consumer Portfolio Segment | 12,641 | 5,967 | +111.8% |
| Mortgage Warehouse | 94 | 584 | -83.9% |
| Municipal | -1 | -287 | +99.7% |
| Premium Finance | 1,832 | 608 | +201.3% |
| Real Estate – Construction and Development | -8,026 | -655 | -1125.3% |
| Residential Portfolio Segment | 2,721 | -3,779 | +172.0% |
Show Financing Receivable Recorded Investment By Class Of Financing Receivable breakouts |
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| Unfunded Loan Commitment | 22,832 | -11,048 | +306.7% |
| Off Balance Sheet Credit Loss Liability Credit Loss Expense Reversal | 22,832 | -11,048 | +306.7% |
| Provision For Other Credit Losses | 6 | — | — |
| Provision For Loan Lease And Other Losses | 70,244 | 58,793 | +19.5% |
| Interest Income Expense After Provision For Loan Loss | 866,679 | 790,397 | +9.7% |
| Fees And Commissions Depositor Accounts1 | 54,645 | 50,893 | +7.4% |
| Fees And Commissions Mortgage Banking And Servicing | 147,015 | 160,475 | -8.4% |
| Fees And Commissions Other1 | 4,493 | 4,758 | -5.6% |
| Gain Loss On Investments | 1,633 | 12,304 | -86.7% |
| Equipment Finance Activity | 30,562 | 21,664 | +41.1% |
| Noninterest Income Other | 32,687 | 43,163 | -24.3% |
| Noninterest Income | 271,035 | 293,257 | -7.6% |
Show Business Segments breakouts |
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| Banking Division | 124,436 | 121,972 | +2.0% |
| Premium Finance Division | 68 | 45 | +51.1% |
| Retail Mortgage [Member] | 142,592 | 167,031 | -14.6% |
| Warehouse Lending [Member] | 3,939 | 4,209 | -6.4% |
| Labor And Related Expense | 348,868 | 347,641 | +0.4% |
Show Business Segments breakouts |
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| Banking Division | 248,600 | 243,795 | +2.0% |
| Premium Finance Division | 9,621 | 8,194 | +17.4% |
| Retail Mortgage [Member] | 88,355 | 92,436 | -4.4% |
| Warehouse Lending [Member] | 2,292 | 3,216 | -28.7% |
| Occupancy Net | 44,923 | 48,784 | -7.9% |
Show Business Segments breakouts |
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| Banking Division | 41,592 | 44,568 | -6.7% |
| Premium Finance Division | 149 | 225 | -33.8% |
| Retail Mortgage [Member] | 3,154 | 3,965 | -20.5% |
| Warehouse Lending [Member] | 28 | 26 | +7.7% |
| Marketing And Advertising Expense | 11,989 | 12,612 | -4.9% |
| Amortization Of Intangible Assets | 15,937 | 17,189 | -7.3% |
| Information Technology And Data Processing | 62,515 | 59,699 | +4.7% |
Show Business Segments breakouts |
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| Banking Division | 56,645 | 54,121 | +4.7% |
| Premium Finance Division | 427 | 370 | +15.4% |
| Retail Mortgage [Member] | 5,235 | 5,048 | +3.7% |
| Warehouse Lending [Member] | 208 | 160 | +30.0% |
| Professional Fees | 18,145 | 16,737 | +8.4% |
| Credit Resolution Expense | 3,145 | 2,487 | +26.5% |
| F D I C Indemnification Asset Period Increase Decrease | 10,368 | 15,499 | -33.1% |
| Loan Portfolio Expense | 31,129 | 36,157 | -13.9% |
| Other Noninterest Expense | 56,931 | 50,989 | +11.7% |
Show Consolidated Entities breakouts |
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| Parent Company | 18,439 | 18,651 | -1.1% |
| Noninterest Expense | 603,950 | 607,794 | -0.6% |
Show Business Segments breakouts |
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| Banking Division | 440,840 | 438,533 | +0.5% |
| Premium Finance Division | 14,596 | 13,225 | +10.4% |
| Retail Mortgage [Member] | 145,230 | 151,658 | -4.2% |
| Warehouse Lending [Member] | 3,284 | 4,378 | -25.0% |
| Income Before Taxes | 533,764 | 475,860 | +12.2% |
Show Business Segments breakouts |
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| Banking Division | 400,382 | 314,722 | +27.2% |
| Premium Finance Division | 28,036 | 22,342 | +25.5% |
| Retail Mortgage [Member] | 77,140 | 112,468 | -31.4% |
| Warehouse Lending [Member] | 28,206 | 26,328 | +7.1% |
| Income Tax Expense (Benefit) | 121,610 | 117,175 | +3.8% |
Show Business Segments breakouts |
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| Banking Division | 93,745 | 83,503 | +12.3% |
| Premium Finance Division | 5,743 | 4,525 | +26.9% |
| Retail Mortgage [Member] | 16,199 | 23,618 | -31.4% |
| Warehouse Lending [Member] | 5,923 | 5,529 | +7.1% |
Show Consolidated Entities breakouts |
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| Parent Company | -8,499 | -9,586 | +11.3% |
| Net Income | 412,154 | 358,685 | +14.9% |
Show Business Segments breakouts |
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| Banking Division | 306,637 | 231,219 | +32.6% |
| Premium Finance Division | 22,293 | 17,817 | +25.1% |
| Retail Mortgage [Member] | 60,941 | 88,850 | -31.4% |
| Warehouse Lending [Member] | 22,283 | 20,799 | +7.1% |
Show Equity Components breakouts |
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| Retained Earnings | 412,154 | 358,685 | +14.9% |
Show Consolidated Entities breakouts |
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| Parent Company | 412,154 | 358,685 | +14.9% |
| EPS (Basic) | 6.02 | 5.21 | +15.5% |
| EPS (Diluted) | 6 | 5.19 | +15.6% |
| Wtd Avg Shares (Basic) | 68,448,812 | 68,808,830 | -0.5% |
| Wtd Avg Shares (Diluted) | 68,705,914 | 69,061,832 | -0.5% |
| Other Revenue (FY) | — | — | — |
Show Product Lines breakouts |
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| Other service charges, commissions and fees | 1,157 | 1,246 | -7.1% |
| Operating Expenses (FY) | — | — | — |
Show Consolidated Entities breakouts |
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| Parent Company | 33,787 | 41,155 | -17.9% |
| Comprehensive Income | 450,585 | 364,505 | +23.6% |
| Other Comprehensive Income | 38,431 | 5,820 | +560.3% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 38,431 | 5,820 | +560.3% |
| Income Loss From Equity Method Investments (FY) | — | — | — |
Show Consolidated Entities breakouts |
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| Parent Company | 239,557 | 240,883 | -0.6% |
| Income Loss From Continuing Operations Before Income Taxes Minority Interest And Income Loss From Equity Method Investments (FY) | — | — | — |
Show Consolidated Entities breakouts |
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| Parent Company | 164,098 | 108,216 | +51.6% |
| Revenue From Contract With Customer Including Assessed Tax (FY) | — | — | — |
Show Product Lines breakouts |
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| ATM fees | 3,336 | 3,512 | -5.0% |
| Debit card interchange fees | 17,669 | 17,160 | +3.0% |
| Other service charges on deposit accounts | 18,608 | 16,394 | +13.5% |
| Other service charges, commissions and fees | 3,336 | 3,512 | -5.0% |
| Overdraft fees | 18,368 | 17,339 | +5.9% |
| Service charges on deposit accounts | 54,645 | 50,893 | +7.4% |
| Other Expenses | 147,644 | 151,670 | -2.7% |
Show Business Segments breakouts |
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| Banking Division | 94,003 | 96,049 | -2.1% |
| Premium Finance Division | 4,399 | 4,436 | -0.8% |
| Retail Mortgage [Member] | 48,486 | 50,209 | -3.4% |
| Warehouse Lending [Member] | 756 | 976 | -22.5% |
| Net Income Loss Available To Common Stockholders Basic | 412,154 | 358,685 | +14.9% |
Balance Sheet
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Non-Current Assets | |||
| Property, Plant & Equipment | 213,097 | 209,460 | +1.7% |
| Goodwill | 1,015,646 | 1,015,646 | 0.0% |
Show Business Segments breakouts |
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| Banking Division | 951,148 | 951,148 | 0.0% |
| Premium Finance Division | 64,498 | 64,498 | 0.0% |
| Total Assets | 27,515,879 | 26,262,050 | +4.8% |
Show Business Segments breakouts |
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| Banking Division | 19,935,718 | 18,954,256 | +5.2% |
| Premium Finance Division | 1,747,183 | 1,495,723 | +16.8% |
| Retail Mortgage [Member] | 4,661,294 | 4,828,842 | -3.5% |
| Warehouse Lending [Member] | 1,171,684 | 983,229 | +19.2% |
Show Consolidated Entities breakouts |
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| Parent Company | 4,248,195 | 4,029,553 | +5.4% |
| Operating Lease Right-of-Use Assets | 42,200 | 45,069 | -6.4% |
| Intangible Assets | 54.8 | 70.8 | -22.6% |
| Other Assets | |||
| Cash And Due From Banks | 253,807 | 244,980 | +3.6% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · Estimate Of Fair Value Fair Value Disclosure | 253,807 | 244,980 | +3.6% |
Show Consolidated Entities breakouts |
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| Parent Company | 82,821 | 141,836 | -41.6% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 253,807 | 244,980 | +3.6% |
| Estimate Of Fair Value Fair Value Disclosure | 253,807 | 244,980 | +3.6% |
| Interest Bearing Deposits In Banks | 835,113 | 975,397 | -14.4% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · Estimate Of Fair Value Fair Value Disclosure | 835,113 | 975,397 | -14.4% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 835,113 | 975,397 | -14.4% |
| Estimate Of Fair Value Fair Value Disclosure | 835,113 | 975,397 | -14.4% |
| Cash Cash Equivalents And Federal Funds Sold | 1,088,920 | 1,220,377 | -10.8% |
| Debt Securities Available For Sale Excluding Accrued Interest | 2,207,173 | 1,671,260 | +32.1% |
Show Financial Instrument breakouts |
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| Corporate Debt Securities | 5,875 | 10,283 | -42.9% |
| Mortgage Backed Securities | 1,509,404 | 768,297 | +96.5% |
| SBA pool securities | 12,208 | 70,482 | -82.7% |
| US States And Political Subdivisions | 19,061 | 24,740 | -23.0% |
| US Treasury Securities | 660,625 | 796,464 | -17.1% |
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 203,242 | 164,677 | +23.4% |
Show Financial Instrument breakouts |
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| Mortgage Backed Securities | 169,828 | 131,054 | +29.6% |
| US States And Political Subdivisions | 33,414 | 33,623 | -0.6% |
| Other Investments | 85,443 | 66,298 | +28.9% |
| Loans Receivable Held For Sale Amount | 623,152 | 528,599 | +17.9% |
| Financing Receivable Excluding Accrued Interest Before Allowance For Credit Loss | 21,513,522 | 20,739,906 | +3.7% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | 3,288,505 | 2,953,135 | +11.4% |
| Commercial Portfolio Segment · Financial Asset Not Past Due | 3,265,207 | 2,922,078 | +11.7% |
| Commercial Portfolio Segment · Financial Asset Past Due | 23,298 | 31,057 | -25.0% |
| Commercial Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 8,470 | 12,849 | -34.1% |
| Commercial Portfolio Segment · Financing Receivables30 To59 Days Past Due | 8,890 | 12,300 | -27.7% |
| Commercial Portfolio Segment · Financing Receivables60 To89 Days Past Due | 5,938 | 5,908 | +0.5% |
| Commercial Portfolio Segment · Pass | 3,263,967 | 2,914,868 | +12.0% |
| Commercial Portfolio Segment · Special Mention | 5,102 | 11,225 | -54.5% |
| Commercial Portfolio Segment · Substandard | 19,436 | 27,042 | -28.1% |
| Commercial Real Estate Portfolio Segment | 9,311,405 | 8,445,958 | +10.2% |
| Commercial Real Estate Portfolio Segment · Financial Asset Not Past Due | 9,303,912 | 8,430,756 | +10.4% |
| Commercial Real Estate Portfolio Segment · Financial Asset Past Due | 7,493 | 15,202 | -50.7% |
| Commercial Real Estate Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 5,770 | 5,980 | -3.5% |
| Commercial Real Estate Portfolio Segment · Financing Receivables30 To59 Days Past Due | 1,707 | 6,787 | -74.8% |
| Commercial Real Estate Portfolio Segment · Financing Receivables60 To89 Days Past Due | 16 | 2,435 | -99.3% |
| Commercial Real Estate Portfolio Segment · Pass | 9,234,245 | 8,304,349 | +11.2% |
| Commercial Real Estate Portfolio Segment · Special Mention | 32,234 | 96,336 | -66.5% |
| Commercial Real Estate Portfolio Segment · Substandard | 44,926 | 45,273 | -0.8% |
| Consumer Portfolio Segment | 180,010 | 221,735 | -18.8% |
| Consumer Portfolio Segment · Financial Asset Not Past Due | 173,958 | 218,187 | -20.3% |
| Consumer Portfolio Segment · Financial Asset Past Due | 6,052 | 3,548 | +70.6% |
| Consumer Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 198 | 319 | -37.9% |
| Consumer Portfolio Segment · Financing Receivables30 To59 Days Past Due | 3,655 | 2,672 | +36.8% |
| Consumer Portfolio Segment · Financing Receivables60 To89 Days Past Due | 2,199 | 557 | +294.8% |
| Consumer Portfolio Segment · Pass | 178,871 | 220,253 | -18.8% |
| Consumer Portfolio Segment · Special Mention | 42 | 92 | -54.3% |
| Consumer Portfolio Segment · Substandard | 1,097 | 1,390 | -21.1% |
| Mortgage Warehouse | 1,150,782 | 965,053 | +19.2% |
| Mortgage Warehouse · Financial Asset Not Past Due | 1,150,782 | 965,053 | +19.2% |
| Mortgage Warehouse · Pass | 1,150,782 | 965,053 | +19.2% |
| Municipal | 434,234 | 441,408 | -1.6% |
| Municipal · Financial Asset Not Past Due | 434,234 | 441,408 | -1.6% |
| Municipal · Pass | 434,234 | 441,408 | -1.6% |
| Premium Finance | 1,306,267 | 1,155,614 | +13.0% |
| Premium Finance · Financial Asset Not Past Due | 1,277,351 | 1,121,746 | +13.9% |
| Premium Finance · Financial Asset Past Due | 28,916 | 33,868 | -14.6% |
| Premium Finance · Financing Receivables Equal To Greater Than90 Days Past Due | 8,492 | 12,485 | -32.0% |
| Premium Finance · Financing Receivables30 To59 Days Past Due | 13,463 | 15,068 | -10.7% |
| Premium Finance · Financing Receivables60 To89 Days Past Due | 6,961 | 6,315 | +10.2% |
| Premium Finance · Pass | 1,297,774 | 1,143,129 | +13.5% |
| Premium Finance · Substandard | 8,493 | 12,485 | -32.0% |
| Real Estate – Construction and Development | 1,469,250 | 1,998,506 | -26.5% |
| Real Estate – Construction and Development · Financial Asset Not Past Due | 1,465,725 | 1,971,157 | -25.6% |
| Real Estate – Construction and Development · Financial Asset Past Due | 3,525 | 27,349 | -87.1% |
| Real Estate – Construction and Development · Financing Receivables Equal To Greater Than90 Days Past Due | 938 | 3,786 | -75.2% |
| Real Estate – Construction and Development · Financing Receivables30 To59 Days Past Due | 2,238 | 23,102 | -90.3% |
| Real Estate – Construction and Development · Financing Receivables60 To89 Days Past Due | 349 | 461 | -24.3% |
| Real Estate – Construction and Development · Pass | 1,465,380 | 1,993,947 | -26.5% |
| Real Estate – Construction and Development · Special Mention | 390 | 500 | -22.0% |
| Real Estate – Construction and Development · Substandard | 3,480 | 4,059 | -14.3% |
| Residential Portfolio Segment | 4,373,069 | 4,558,497 | -4.1% |
| Residential Portfolio Segment · Financial Asset Not Past Due | 4,233,577 | 4,424,543 | -4.3% |
| Residential Portfolio Segment · Financial Asset Past Due | 139,492 | 133,954 | +4.1% |
| Residential Portfolio Segment · Financing Receivables Equal To Greater Than90 Days Past Due | 79,502 | 71,070 | +11.9% |
| Residential Portfolio Segment · Financing Receivables30 To59 Days Past Due | 42,310 | 47,020 | -10.0% |
| Residential Portfolio Segment · Financing Receivables60 To89 Days Past Due | 17,680 | 15,864 | +11.4% |
| Residential Portfolio Segment · Pass | 4,280,492 | 4,474,333 | -4.3% |
| Residential Portfolio Segment · Special Mention | 1,941 | 2,783 | -30.3% |
| Residential Portfolio Segment · Substandard | 90,636 | 81,381 | +11.4% |
Show Financing Receivables Period Past Due breakouts |
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| Financial Asset Not Past Due | 21,304,746 | 20,494,928 | +4.0% |
| Financial Asset Past Due | 208,776 | 244,978 | -14.8% |
| Financing Receivables Equal To Greater Than90 Days Past Due | 103,370 | 106,489 | -2.9% |
| Financing Receivables30 To59 Days Past Due | 72,263 | 106,949 | -32.4% |
| Financing Receivables60 To89 Days Past Due | 33,143 | 31,540 | +5.1% |
Show Internal Credit Assessment breakouts |
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| Pass | 21,305,745 | 20,457,340 | +4.1% |
| Special Mention | 39,709 | 110,936 | -64.2% |
| Substandard | 168,068 | 171,630 | -2.1% |
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | -348,141 | -338,084 | -3.0% |
Show Financing Receivable Portfolio breakouts |
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| Commercial Portfolio Segment | -88,242 | -87,242 | -1.1% |
| Commercial Real Estate Portfolio Segment | -128,454 | -118,377 | -8.5% |
| Consumer Portfolio Segment | -11,503 | -7,327 | -57.0% |
| Mortgage Warehouse | -2,356 | -2,262 | -4.2% |
| Municipal | -57 | -58 | +1.7% |
| Premium Finance | -892 | -736 | -21.2% |
| Real Estate – Construction and Development | -52,432 | -60,421 | +13.2% |
| Residential Portfolio Segment | -64,205 | -61,661 | -4.1% |
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 21,165,381 | 20,401,822 | +3.7% |
| Real Estate Acquired Through Foreclosure | 2,918 | 2,433 | +19.9% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level3 · Fair Value Measurements Nonrecurring | 201 | 1,010 | -80.1% |
| Other Intangible Assets Net | 54,824 | 70,761 | -22.5% |
Show Business Segments breakouts |
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| Banking Division | 54,591 | 67,721 | -19.4% |
| Premium Finance Division | 233 | 3,040 | -92.3% |
| Bank Owned Life Insurance | 420,583 | 408,574 | +2.9% |
| Other Assets | 435,500 | 502,143 | -13.3% |
Show Consolidated Entities breakouts |
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| Parent Company | 29,589 | 29,920 | -1.1% |
| Non-Current Liabilities | |||
| Total Liabilities | 23,439,851 | 22,510,528 | +4.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 172,167 | 278,031 | -38.1% |
| Other Liabilities | |||
| Noninterest Bearing Deposit Liabilities | 6,426,145 | 6,498,293 | -1.1% |
| Interest Bearing Deposit Liabilities | 15,949,850 | 15,224,155 | +4.8% |
| Deposits | 22,375,995 | 21,722,448 | +3.0% |
| Other Borrowings | 558,039 | 291,788 | +91.2% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level1 · Estimate Of Fair Value Fair Value Disclosure | 524,908 | — | — |
| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 31,183 | 291,213 | -89.3% |
Show Credit Facility breakouts |
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| Advance from correspondent bank due December 1, 2025; secured by a loan receivable; variable interest rate at one-month SOFR plus 2.65% | 9,908 | 10,000 | -0.9% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 558,039 | 291,788 | +91.2% |
| Estimate Of Fair Value Fair Value Disclosure | 556,091 | 291,213 | +91.0% |
| Subordinated Debt | 134,302 | 132,309 | +1.5% |
Show Fair Value Hierarchy breakouts |
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| Fair Value Inputs Level2 · Estimate Of Fair Value Fair Value Disclosure | 142,340 | 142,202 | +0.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 134,302 | 132,309 | +1.5% |
Show Fair Value By Measurement Basis breakouts |
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| Carrying Reported Amount Fair Value Disclosure | 134,302 | 132,309 | +1.5% |
| Estimate Of Fair Value Fair Value Disclosure | 142,340 | 142,202 | +0.1% |
| Other Liabilities | 371,515 | 363,983 | +2.1% |
Show Consolidated Entities breakouts |
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| Parent Company | 37,865 | 36,883 | +2.7% |
| Stockholders' Equity | |||
| Common Stock | 72,898 | 72,699 | +0.3% |
| Additional Paid In Capital Common Stock | 1,971,131 | 1,958,642 | +0.6% |
| Retained Earnings | 2,210,385 | 1,853,428 | +19.3% |
| Accumulated Other Comprehensive Income | 8,312 | -30,119 | +127.6% |
| Treasury Stock Common Value | -186,698 | -103,128 | -81.0% |
| Total Stockholders' Equity | 4,076,028 | 3,751,522 | +8.6% |
Show Equity Components breakouts |
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| Accumulated Other Comprehensive Income | 8,312 | -30,119 | +127.6% |
| Additional Paid In Capital | 1,971,131 | 1,958,642 | +0.6% |
| Common Stock | 72,898 | 72,699 | +0.3% |
| Retained Earnings | 2,210,385 | 1,853,428 | +19.3% |
| Treasury Stock Common | -186,698 | -103,128 | -81.0% |
Show Consolidated Entities breakouts |
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| Parent Company | 4,076,028 | 3,751,522 | +8.6% |
| Total Liabilities & Equity | 27,515,879 | 26,262,050 | +4.8% |
Show Consolidated Entities breakouts |
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| Parent Company | 4,248,195 | 4,029,553 | +5.4% |
Cash Flow Statement
| Metric | FY 2025 | FY 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation Amortization And Accretion Net | 29,655 | 36,798 | -19.4% |
| Gain Loss On Sale Of Property Plant Equipment | 19 | 1,401 | -98.6% |
| Allowance For Credit Loss Expense Reversal | 70,244 | 58,793 | +19.5% |
Show Business Segments breakouts |
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| Banking Division | 63,751 | 60,434 | +5.5% |
| Premium Finance Division | 2,559 | 883 | +189.8% |
| Retail Mortgage [Member] | 3,588 | -2,799 | +228.2% |
| Warehouse Lending [Member] | 346 | 275 | +25.8% |
| Gains Losses On Sales Of Other Real Estate | 171 | 532 | -67.9% |
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| Credit Resolution Related Expense | -291 | 148 | -296.6% |
| Stock-Based Compensation | 12,688 | 13,440 | -5.6% |
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| Parent Company | 12,688 | 13,440 | -5.6% |
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| Performance Shares | 7.5 | 7.8 | -3.8% |
| Restricted Stock | 5.2 | 5.7 | -8.8% |
| Operating Lease Right Of Use Asset Amortization Expense | 8,781 | 9,930 | -11.6% |
| Deferred Income Taxes | -10,551 | -20,078 | +47.4% |
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| Parent Company | -281 | -788 | +64.3% |
| Servicing Asset Impairment Recovery | 910 | — | — |
| Payments For Origination Of Mortgage Loans Held For Sale | -4,281,600 | -4,420,439 | +3.1% |
| Proceeds From Collection Of Mortgage Loans Held For Sale | 31,354 | 20,479 | +53.1% |
| Proceeds From Sale Of Mortgage Loans Held For Sale | 4,201,851 | 4,179,314 | +0.5% |
| Gain Loss On Sale Of Mortgage Loans | -53,192 | -41,298 | -28.8% |
| Payments For Origination And Purchases Of S B A Loans | -28,620 | -28,805 | +0.6% |
| Proceeds From Sale Of S B A Loans | 30,401 | 32,999 | -7.9% |
| Gain Loss On Sale Of S B A Loans Net | -1,781 | -4,194 | +57.5% |
| Increase In Cash Surrender Value Of Bank Owned Life Insurance | -13,922 | -12,298 | -13.2% |
| Bank Owned Life Insurance Income | -621 | -1,464 | +57.6% |
| Gain Loss On Sale Of Mortgage Servicing Rights | 660 | -10,494 | +106.3% |
| Gains Losses On Extinguishment Of Debt | 437 | 890 | -50.9% |
| Increase Decrease In Accrued Interest Receivable Net | -4,849 | -747 | -549.1% |
| Increase Decrease In Interest Payable Net | -4,333 | -11,176 | +61.2% |
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| Parent Company | -1,066 | -204 | -422.5% |
| Increase Decrease In Accrued Income Taxes Payable | -20,233 | 29,846 | -167.8% |
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| Parent Company | 5,113 | 1,540 | +232.0% |
| Other Operating Activities Cash Flow Statement | 12,193 | -25,496 | +147.8% |
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| Parent Company | -279 | 2,179 | -112.8% |
| Net Cash from Operations | 390,183 | 154,193 | +153.0% |
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| Parent Company | 187,188 | 133,945 | +39.7% |
| Investing Activities | |||
| Purchases of Investments | -1,015,456 | -693,401 | -46.4% |
| Payments To Acquire Held To Maturity Securities | -44,089 | -26,071 | -69.1% |
| Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities | 493,027 | 434,711 | +13.4% |
| Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities | 5,776 | 3,084 | +87.3% |
| Proceeds From Sale Of Available For Sale Securities Debt | 45,039 | — | — |
| Increase Decrease Of Restricted Investments | -19,407 | 16,712 | -216.1% |
| Payments For Proceeds From Loans And Leases | -836,952 | -610,502 | -37.1% |
| Proceeds From Sale Of Mortgage Servicing Rights M S R | 23,728 | 82,328 | -71.2% |
| Capital Expenditures | -20,539 | -13,477 | -52.4% |
| Proceeds From Sale Of Property Plant And Equipment | 172 | 250 | -31.2% |
| Proceeds From Sale Of Other Real Estate | 7,458 | 14,625 | -49.0% |
| Proceeds From Life Insurance Policies | 58,441 | 55,059 | +6.1% |
| Net Cash from Investing | -1,302,802 | -846,682 | -53.9% |
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| Parent Company | 1,944 | — | — |
| Financing Activities | |||
| Increase Decrease In Deposits | 653,547 | 1,013,939 | -35.5% |
| Proceeds From Other Debt | 8,163,000 | 6,308,000 | +29.4% |
| Repayments Of Other Debt | -7,897,238 | -6,526,963 | -21.0% |
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| Parent Company | -110,000 | -107,874 | -2.0% |
| Payments Of Dividends Common Stock | -55,252 | -41,460 | -33.3% |
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| Parent Company | -55,252 | -41,460 | -33.3% |
| Payments For Repurchase Of Equity | -82,895 | -7,954 | -942.2% |
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| Parent Company | -82,895 | -7,954 | -942.2% |
| Net Cash from Financing | 781,162 | 745,562 | +4.8% |
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| Parent Company | -248,147 | -157,288 | -57.8% |
| Supplemental | |||
| Interest Paid | 461,935 | 540,270 | -14.5% |
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| Parent Company | 16,414 | 22,708 | -27.7% |
| Transfer To Other Real Estate | 8,114 | 11,391 | -28.8% |
| Transfer Of Loans Held For Sale To Portfolio Loans1 | 22,443 | 14,677 | +52.9% |
| Transfer Of Portfolio Loans To Loans Held For Sale | 15,409 | — | — |
| Right Of Use Asset Obtained In Exchange For Operating Lease Liability | 3,309 | 5,488 | -39.7% |
| Security Purchases Settled In Subsequent Period | 500 | — | — |
| Income Taxes Paid | 155,979 | 106,379 | +46.6% |
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| Parent Company | -13,330 | -10,338 | -28.9% |
| Other Cash Flow | |||
| Net Change in Cash | -131,457 | 53,073 | -347.7% |
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| Parent Company | -59,015 | -23,343 | -152.8% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 1,088,920 | 1,220,377 | -10.8% |
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| Parent Company | 82,821 | 141,836 | -41.6% |
Values in thousands USD. Source: SEC EDGAR 10-K filing.