Ameris Bancorp
S&P 600
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $-5.60M | $31.17M | $-123.15M | $5.71M |
| FY2015 | $-25.22M | $-167.86M | $413.29M | $12.58M |
| FY2016 | $-69.77M | $-802.87M | $680.45M | $10.98M |
| FY2017 | $-62.56M | $-666.91M | $861.74M | $3.76M |
| FY2018 | $-108.80M | $-53.31M | $510.99M | $10.01M |
| FY2019 | $-940.21M | $-487.09M | $1.37B | $11.58M |
| FY2020 | $798.40M | $-1.20B | $1.90B | $18.12M |
| FY2021 | $9.14M | $-420.98M | $2.36B | $25.45M |
| FY2022 | $1.06B | $-4.87B | $865.53M | $13.57M |
| FY2023 | $568.96M | $-338.19M | $-181.59M | $17.53M |
| FY2024 | $154.19M | $-846.68M | $745.56M | $13.48M |
| FY2025 | $390.18M | $-1.30B | $781.16M | $20.54M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.