For the quarter ended September 2026, Ameris Bancorp (ABCB Quick QuoteABCB - Free Report) reported revenue of $322.79 million, up 2.4% over the same period last year. EPS came in at $1.73, compared to $1.53 in the year-ago quarter.

The reported revenue represents a surprise of -1.19% over the Zacks Consensus Estimate of $326.66 million. With the consensus EPS estimate being $1.68, the EPS surprise was +2.98%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Ameris Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin (TE): 3.9% compared to the 3.8% average estimate based on five analysts.
• Efficiency ratio: 49.3% compared to the 50% average estimate based on five analysts.
• Book value per share (period end): $45.65 compared to the $62.18 average estimate based on four analysts.
• Net charge-offs as a percent of average loans (annualized): 0.2% versus 0.2% estimated by four analysts on average.
• Total non-performing assets: $153.96 million compared to the $126.67 million average estimate based on two analysts.
• Average Balances - Total Earning Assets: $26.51 billion versus the two-analyst average estimate of $26.56 billion.
• Net Interest Income (TE): $258.62 million compared to the $258.68 million average estimate based on five analysts.
• Total Non-Interest Income: $64.17 million compared to the $67.97 million average estimate based on five analysts.
• Other service charges, commissions and fees: $1.05 million compared to the $1.11 million average estimate based on three analysts.
• Service charges on deposit accounts: $14.07 million compared to the $14.41 million average estimate based on three analysts.
• Net Interest Income: $257.68 million versus the three-analyst average estimate of $257.4 million.
• Mortgage banking activity: $29.23 million versus $34.11 million estimated by three analysts on average.

View all Key Company Metrics for Ameris Bancorp here>>>

Shares of Ameris Bancorp have returned -1.2% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.