Regional Banks Stocks Q3 Highlights: Ameris Bancorp (NYSE:ABCB)

Quarterly earnings results are a good time to check in on a company’s progress, especially compared to its peers in the same sector. Today we are looking at Republic Bancorp and the best and worst performers in the regional banks industry.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 94 regional banks stocks we track reported a satisfactory Q3. As a group, revenues missed analysts’ consensus estimates by 1.1%.

Thankfully, share prices of the companies have been resilient as they are up 5.9% on average since the latest earnings results.

Republic Bancorp

With roots dating back to 1974 and operating across multiple states including Kentucky, Indiana, Florida, Ohio, and Tennessee, Republic Bancorp (NASDAQGS:RBCA.A) is a Kentucky-based financial holding company that operates a bank offering traditional banking, mortgage services, and specialized financial products.

Republic Bancorp reported revenues of $91.52 million, up 11% year on year. This print fell short of analysts’ expectations by 0.9%. Overall, it was a mixed quarter for the company with a narrow beat of analysts’ tangible book value per share estimates but a slight miss of analysts’ revenue estimates.

Interestingly, the stock is up 2.9% since reporting and currently trades at $70.40.

Read our full report on Republic Bancorp here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $232.1 million, up 38.9% year on year, outperforming analysts’ expectations by 7%. The business had a stunning quarter with a solid beat of analysts’ net interest income estimates and an impressive beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 10.6% since reporting. It currently trades at $72.53.

Is now the time to buy Customers Bancorp? Access our full analysis of the earnings results here, it’s free for active Edge members.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.6 million, up 38.8% year on year, falling short of analysts’ expectations by 10%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

As expected, the stock is down 12.6% since the results and currently trades at $67.50.

Read our full analysis of The Bancorp’s results here.

1st Source

Tracing its roots back to 1863 during the Civil War era, 1st Source Corporation is a regional bank holding company that provides commercial, consumer, specialty finance, and wealth management services across Indiana, Michigan, and Florida.

1st Source reported revenues of $110.7 million, up 13% year on year. This number topped analysts’ expectations by 1.3%. Overall, it was a strong quarter as it also logged an impressive beat of analysts’ net interest income estimates and a beat of analysts’ EPS estimates.

The stock is up 9% since reporting and currently trades at $64.21.

Read our full, actionable report on 1st Source here, it’s free for active Edge members.

Columbia Banking System

Created through the merger of two Pacific Northwest banking institutions with deep regional roots, Columbia Banking System operates Umpqua Bank, providing commercial, consumer, and wealth management services across eight western states.

Columbia Banking System reported revenues of $582 million, up 17.2% year on year. This print surpassed analysts’ expectations by 1.9%. It was a very strong quarter as it also recorded a beat of analysts’ EPS estimates and an impressive beat of analysts’ tangible book value per share estimates.

The stock is up 8.2% since reporting and currently trades at $28.17.

Read our full, actionable report on Columbia Banking System here, it’s free for active Edge members.

What Happened?

Shares of regional banking company Customers Bancorp jumped 3.2% in the afternoon session after positive sentiment from Wall Street analysts supported the stock. The favorable view was reflected in a "Moderate Buy" consensus rating derived from seven analysts. This consensus was built on five "buy" ratings and two "hold" ratings, with no analysts recommending to sell. The average price target among these analysts was $85.43. A separate report covering six analysts also showed a "Buy" consensus, reinforcing the positive outlook on the company's shares among market experts.

After the initial pop the shares cooled down to $70.60, up 3.2% from previous close.

Is now the time to buy Customers Bancorp? Access our full analysis report here.

What Is The Market Telling Us

Customers Bancorp’s shares are somewhat volatile and have had 10 moves greater than 5% over the last year. In that context, today’s move indicates the market considers this news meaningful but not something that would fundamentally change its perception of the business.

The previous big move we wrote about was 12 days ago when the stock gained 3.8% on the news that comments from a key Federal Reserve official boosted hopes for an interest rate cut. New York Federal Reserve President John Williams stated he sees “room for a further adjustment” in the near term, sparking a significant market rally. Following his remarks, the probability of the central bank cutting rates at its December meeting jumped from 39% to over 73%, according to the CME FedWatch tool. This positive sentiment provided relief to markets amid concerns over high valuations, particularly in AI-related stocks.

Customers Bancorp is up 48.8% since the beginning of the year, and at $70.60 per share, it is trading close to its 52-week high of $72.43 from September 2025. Investors who bought $1,000 worth of Customers Bancorp’s shares 5 years ago would now be looking at an investment worth $3,969.

The end of the earnings season is always a good time to take a step back and see who shined (and who not so much). Let’s take a look at how regional banks stocks fared in Q3, starting with WesBanco .

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 94 regional banks stocks we track reported a satisfactory Q3. As a group, revenues missed analysts’ consensus estimates by 1.1%.

In light of this news, share prices of the companies have held steady as they are up 4.3% on average since the latest earnings results.

WesBanco

Tracing its roots back to 1870 in West Virginia, WesBanco is a bank holding company that provides retail and commercial banking, trust services, insurance, and investment products through its subsidiaries across several Midwestern and Mid-Atlantic states.

WesBanco reported revenues of $261.6 million, up 73.5% year on year. This print was in line with analysts’ expectations, but overall, it was a mixed quarter for the company with a beat of analysts’ EPS estimates but a slight miss of analysts’ net interest income estimates.

"Our third quarter results demonstrate the successful integration of Premier and continued operational discipline. Despite elevated commercial real estate payoffs, we delivered strong loan growth, fully funded by deposit growth, while meaningfully expanding our net interest margin and fee income. Combined with our focus on cost control, these efforts drove positive operating leverage and an improved efficiency ratio in the mid-50s," said Jeff Jackson, President and CEO.

Interestingly, the stock is up 4.4% since reporting and currently trades at $32.73.

Read our full report on WesBanco here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $232.1 million, up 38.9% year on year, outperforming analysts’ expectations by 7%. The business had a stunning quarter with a solid beat of analysts’ net interest income and revenue estimates.

The market seems content with the results as the stock is up 4.3% since reporting. It currently trades at $68.36.

Is now the time to buy Customers Bancorp? Access our full analysis of the earnings results here, it’s free for active Edge members.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.6 million, up 38.8% year on year, falling short of analysts’ expectations by 10%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates.

As expected, the stock is down 16.6% since the results and currently trades at $64.41.

Read our full analysis of The Bancorp’s results here.

M&T Bank

Tracing its roots back to 1856 when it was founded as Manufacturers and Traders Bank in Buffalo, New York, M&T Bank is a regional bank holding company that provides retail and commercial banking, trust, wealth management, and investment services to consumers and businesses.

M&T Bank reported revenues of $2.51 billion, up 7.7% year on year. This number surpassed analysts’ expectations by 3.2%. Overall, it was a strong quarter as it also recorded an impressive beat of analysts’ revenue estimates and a beat of analysts’ EPS estimates.

The stock is up 2.9% since reporting and currently trades at $190.32.

Read our full, actionable report on M&T Bank here, it’s free for active Edge members.

Coastal Financial

Pioneering the intersection of traditional banking and financial technology in the Pacific Northwest, Coastal Financial operates as a bank holding company that provides traditional banking services and Banking-as-a-Service (BaaS) solutions to consumers and businesses.

Coastal Financial reported revenues of $144.7 million, up 25.6% year on year. This print topped analysts’ expectations by 2%. Aside from that, it was a slower quarter as it recorded a miss of analysts’ net interest income estimates and EPS in line with analysts’ estimates.

The stock is up 7.8% since reporting and currently trades at $113.73.

Read our full, actionable report on Coastal Financial here, it’s free for active Edge members.