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. Q3 2025: $0M, Q2 2025: $3M, Q1 2025: $5M, Q3 2024: $0M

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

Latest quarter $0M vs trailing avg $3M (-100%)

What percentage of free cash flow is going to buybacks? Bull: 30-80%. Bear: <10% or >80%.

Buyback $8M / FCF $406M = 2% 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?

1 open-market purchase by STERN WILLIAM H

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

Are insider purchases happening during the same quarters the company is actively buying back stock?

Insider buying coincided with company buybacks in 0 of 4 quarters

Looking at all open-market transactions, are insiders net buyers or net sellers?

Insiders bought $0M, sold $1M (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 23.8x 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