ABCB Ameris Bancorp

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 3/4 quarters. Q1 2026: $21M, Q3 2025: $0M, Q2 2025: $3M, Q1 2025: $5M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $21M vs trailing avg $3M (+693%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Buyback $29M / FCF $252M = 11% of FCF

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Missing shares repurchased or outstanding data

Are officers and directors buying stock with their own money on the open market?

2 open-market purchases by 1 insiders

• STERN WILLIAM H () bought 308 shares at $77.22 on 2025-12-08
• STERN WILLIAM H () bought 320 shares at $74.14 on 2025-09-15

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Company buybacks in 3 quarters and 2 insider purchases by 1 insiders (no calendar overlap, but both independently active)

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $1M in the last 90 days (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

Company buying back stock while insiders sold 11.9x more than bought. 4 C-suite officers among sellers

• Strange Douglas D (Chief Credit Officer) sold 1 shares on 2026-02-24
• Stokes Nicole S (CFO) sold 1 shares on 2026-02-24
• Creasy Ross L (Chief Information Officer) sold 1 shares on 2026-02-24
• Strange Douglas D (Chief Credit Officer) sold 205 shares on 2025-12-31
• LaHaise James A (Chief Strategy Officer) sold 6,641 shares on 2026-02-19