ABCB Stock Analysis: Ameris Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 5.399m USD | 12M Return: 8.5% | US03076K1088 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 39.3M
EPS Trend: 99.1%
Qual. Beats: 0
Rev. Trend: 90.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Ameris Bancorp (NYSE: ABCB) is a U.S. bank holding company headquartered in Atlanta, Georgia, founded in 1971 and publicly traded since 1994. Operating primarily through its subsidiary Ameris Bank, the company serves retail and commercial customers across four business segments: Banking, Retail Mortgage, Warehouse Lending, and Premium Finance. Its deposit products span commercial and retail checking, savings, money market, IRA, and certificate of deposit accounts, while its lending activities include commercial and residential real estate, agricultural, commercial and industrial, consumer, equipment finance, SBA, and commercial insurance premium loans. The company distributes these services through full-service domestic banking offices and mortgage and loan production offices.
As a regional bank, Ameris operates within the U.S. Financials sector, where holding companies are regulated at the federal level by the Federal Reserve and benefit from a diversified fee-income mix. Two of its more specialized segments reflect niche banking models: warehouse lending provides short-term, collateralized funding to mortgage originators awaiting loan sale or securitization, while premium finance involves lending against commercial insurance premiums as an alternative to traditional premium financing channels.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan losses pressure credit costs
- Premium Finance Division growth boosts noninterest income
| Net Income: 376.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.36 > 1.0 |
| NWC/Revenue: -1.37k% < 20% (prev -1.21k%; Δ -164.9% < -1%) |
| CFO/TA 0.02 > 3% & CFO 548.5m > Net Income 376.3m |
| Net Debt (1.15b) to EBITDA (536.5m): 2.14 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (67.1m) vs 12m ago -2.80% < -2% |
| Gross Margin: 69.74% > 18% (prev 66.84%; Δ 2.91% > 0.5%) |
| Asset Turnover: 6.15% > 50% (prev 6.07%; Δ 0.08% > 0%) |
| Interest Coverage Ratio: 1.08 > 6 (EBIT TTM 484.9m / Interest Expense TTM 450.3m) |
| A: -0.82 (Total Current Assets 237.4m - Total Current Liabilities 23.5b) / Total Assets 28.5b |
| B: 0.08 (Retained Earnings 2.35b / Total Assets 28.5b) |
| C: 0.02 (EBIT TTM 484.9m / Avg Total Assets 27.6b) |
| D: 0.17 (Book Value of Equity 4.09b / Total Liabilities 24.4b) |
| Altman-Z'' = -4.80 = D |
As of October 06, 2026, the stock is trading at USD 80.40 with a total of 570,506 shares traded. Over the past week, the price has changed by -1.03%, over one month by -5.16%, over three months by -11.26% and over the past year by +8.45%.
Current recommended Stop Loss: 78.60 (which is 2.2% or 1.2 ATR below the current price).
Ameris Bancorp has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy ABCB.
- StrongBuy: 2
- Buy: 3
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 94.2 | 17.1% |
P/E Trailing = 14.7363
P/E Forward = 13.0039
P/S = 4.5632
P/B = 1.3392
P/EG = 1.1019
Revenue TTM = 1.70b USD
EBIT TTM = 484.9m USD
EBITDA TTM = 536.5m USD
Long Term Debt = 1.39b USD (from longTermDebt, last quarter)
Short Term Debt = 1.23b USD (from shortTermDebt, last quarter)
Debt = 1.39b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.15b USD (calculated: Debt 1.39b - CCE 237.4m)
Enterprise Value = 6.55b USD (5.40b + Debt 1.39b - CCE 237.4m)
Interest Coverage Ratio = 1.08 (Ebit TTM 484.9m / Interest Expense TTM 450.3m)
EV/FCF = 12.54x (Enterprise Value 6.55b / FCF TTM 522.0m)
FCF Yield = 7.97% (FCF TTM 522.0m / Enterprise Value 6.55b)
FCF Margin = 30.78% (FCF TTM 522.0m / Revenue TTM 1.70b)
Net Margin = 22.19% (Net Income TTM 376.3m / Revenue TTM 1.70b)
Gross Margin = 69.74% ((Revenue TTM 1.70b - Cost of Revenue TTM 513.1m) / Revenue TTM)
Gross Margin QoQ = 69.82% (prev 74.55%)
Tobins Q-Ratio = 0.23 (Enterprise Value 6.55b / Total Assets 28.5b)
Interest Expense / Debt = 32.50% (Interest Expense 450.3m / Debt 1.39b)
Taxrate = 22.39% (108.6m / 484.9m)
NOPAT = 376.3m (EBIT 484.9m * (1 - 22.39%))
Current Ratio = 0.01 (Total Current Assets 237.4m / Total Current Liabilities 23.5b)
Debt / Equity = 0.34 (Debt 1.39b / totalStockholderEquity, last quarter 4.09b)
Debt / EBITDA = 2.14 (Net Debt 1.15b / EBITDA 536.5m)
Debt / FCF = 2.20 (Net Debt 1.15b / FCF TTM 522.0m)
Total Stockholder Equity = 4.07b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.36% (Net Income 376.3m / Total Assets 28.5b)
RoE = 9.25% (Net Income TTM 376.3m / Total Stockholder Equity 4.07b)
RoCE = 8.89% (EBIT 484.9m / Capital Employed (Equity 4.07b + L.T.Debt 1.39b))
RoIC = 1.32% (NOPAT 376.3m / Invested Capital 28.4b)
WACC = 12.50% (E(5.40b)/V(6.78b) * Re(9.23%) + D(1.39b)/V(6.78b) * Rd(32.50%) * (1-Tc(0.22)))
Discount Rate = 9.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -83.02 | Cagr: -1.24%
[DCF] Terminal Value 65.77% ; FCFF base≈470.7m ; Y1≈539.6m ; Y5≈794.1m
[DCF] Fair Price = 85.30 (EV 6.87b - Net Debt 1.15b = Equity 5.72b / Shares 67.1m; r=12.50% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.13 | EPS CAGR: 20.24% | SUE: -0.72 | # QB: 0
Revenue Correlation: 90.46 | Revenue CAGR: 5.24% | SUE: 0.63 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.68 | Chg30d=-0.09% | Revisions=-22% | Analysts=7
EPS current Year (2026-12-31): EPS=6.63 | Chg30d=-0.13% | Revisions=-22% | GrowthEPS=+10.6% | GrowthRev=+6.5%
EPS next Year (2027-12-31): EPS=7.03 | Chg30d=+0.00% | Revisions=-22% | GrowthEPS=+6.1% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: -29% (up=6, down=12)