(ABCB) Ameris Bancorp - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 5.705m USD | Total Return: 39.7% in 12m
Avg Turnover: 31.7M
EPS Trend: 96.8%
Qual. Beats: 0
Rev. Trend: 88.0%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
Confidence
Ameris Bancorp (ABCB) is a bank holding company headquartered in Atlanta, Georgia, providing financial services through four primary segments: Banking, Retail Mortgage, Warehouse Lending, and Premium Finance. Its portfolio includes commercial and retail deposit products, alongside a diverse lending suite featuring real estate, agricultural, commercial, and industrial loans. The company also specializes in niche financial services such as equipment finance and the administration of commercial insurance premium loans.
As a regional bank, Ameris Bancorp operates within a business model that relies heavily on the net interest margin-the spread between interest earned on loans and interest paid to depositors. Regional banks often maintain a competitive advantage through localized market knowledge and specialized lending divisions, such as Small Business Administration (SBA) loan origination. Economic indicators like regional employment rates and central bank interest rate policies significantly impact the profitability and credit quality of this sector.
Investors can evaluate the companys valuation metrics and historical performance trends by exploring ValueRay. Detailed analysis of asset quality and liquidity ratios remains essential for understanding the risk profile of regional banking institutions.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Mortgage banking volume fluctuations driven by Southeast residential housing demand
- Credit quality performance across commercial real estate and agricultural loan portfolios
- Operational efficiency improvements through Banking Division and Premium Finance integration
- Deposit beta management and stability of low-cost retail funding sources
| Net Income: 434.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.89 > 1.0 |
| NWC/Revenue: -1.30k% < 20% (prev -1.19k%; Δ -112.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 530.5m > Net Income 434.7m |
| Net Debt (-306.5m) to EBITDA (616.1m): -0.50 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (67.8m) vs 12m ago -1.80% < -2% |
| Gross Margin: 70.01% > 18% (prev 0.65%; Δ 6.94k% > 0.5%) |
| Asset Turnover: 6.12% > 50% (prev 6.17%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 1.24 > 6 (EBITDA TTM 616.1m / Interest Expense TTM 453.0m) |
| A: -0.77 (Total Current Assets 1.83b - Total Current Liabilities 23.5b) / Total Assets 28.1b |
| B: 0.08 (Retained Earnings 2.31b / Total Assets 28.1b) |
| C: 0.02 (EBIT TTM 561.6m / Avg Total Assets 27.3b) |
| D: 0.10 (Book Value of Equity 2.38b / Total Liabilities 24.0b) |
| Altman-Z'' = -4.55 = D |
As of May 24, 2026, the stock is trading at USD 84.69 with a total of 217,615 shares traded.
Over the past week, the price has changed by +2.58%,
over one month by +1.00%,
over three months by +6.51% and
over the past year by +39.67%.
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 | 93.9 | 10.8% |
P/E Forward = 13.0039
P/S = 4.8659
P/B = 1.3616
P/EG = 1.1019
Revenue TTM = 1.67b USD
EBIT TTM = 561.6m USD
EBITDA TTM = 616.1m USD
Long Term Debt = 1.02b USD (from longTermDebt, last quarter)
Short Term Debt = 888.0m USD (from shortTermDebt, last quarter)
Debt = 1.02b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -306.5m USD (calculated: Debt 1.02b - CCE 1.33b)
Enterprise Value = 5.40b USD (5.71b + Debt 1.02b - CCE 1.33b)
Interest Coverage Ratio = 1.24 (Ebit TTM 561.6m / Interest Expense TTM 453.0m)
EV/FCF = 10.69x (Enterprise Value 5.40b / FCF TTM 504.9m)
FCF Yield = 9.35% (FCF TTM 504.9m / Enterprise Value 5.40b)
FCF Margin = 30.20% (FCF TTM 504.9m / Revenue TTM 1.67b)
Net Margin = 26.00% (Net Income TTM 434.7m / Revenue TTM 1.67b)
Gross Margin = 70.01% ((Revenue TTM 1.67b - Cost of Revenue TTM 501.4m) / Revenue TTM)
Gross Margin QoQ = 74.55% (prev 67.68%)
Tobins Q-Ratio = 0.19 (Enterprise Value 5.40b / Total Assets 28.1b)
Interest Expense / Debt = 44.29% (Interest Expense 453.0m / Debt 1.02b)
Taxrate = 21.48% (30.2m / 140.7m)
NOPAT = 440.9m (EBIT 561.6m * (1 - 21.48%))
Current Ratio = 0.08 (Total Current Assets 1.83b / Total Current Liabilities 23.5b)
Debt / Equity = 0.25 (Debt 1.02b / totalStockholderEquity, last quarter 4.08b)
Debt / EBITDA = -0.50 (Net Debt -306.5m / EBITDA 616.1m)
Debt / FCF = -0.61 (Net Debt -306.5m / FCF TTM 504.9m)
Total Stockholder Equity = 4.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 434.7m / Total Assets 28.1b)
RoE = 10.81% (Net Income TTM 434.7m / Total Stockholder Equity 4.02b)
RoCE = 11.13% (EBIT 561.6m / Capital Employed (Equity 4.02b + L.T.Debt 1.02b))
RoIC = 10.64% (NOPAT 440.9m / Invested Capital 4.14b)
WACC = 13.50% (E(5.71b)/V(6.73b) * Re(9.68%) + D(1.02b)/V(6.73b) * Rd(44.29%) * (1-Tc(0.21)))
Discount Rate = 9.68% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -38.65 | Cagr: -0.80%
[DCF] Terminal Value 63.17% ; FCFF base≈398.8m ; Y1≈457.2m ; Y5≈672.9m
[DCF] Fair Price = 82.91 (EV 5.27b - Net Debt -306.5m = Equity 5.58b / Shares 67.3m; r=13.50% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.79 | EPS CAGR: 18.47% | SUE: 0.69 | # QB: 0
Revenue Correlation: 88.04 | Revenue CAGR: 7.04% | SUE: 0.66 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.66 | Chg30d=+3.50% | Revisions=+56% | Analysts=7
EPS next Quarter (2026-09-30): EPS=1.72 | Chg30d=+2.33% | Revisions=+40% | Analysts=7
EPS current Year (2026-12-31): EPS=6.75 | Chg30d=+3.41% | Revisions=+60% | GrowthEPS=+12.6% | GrowthRev=+7.3%
EPS next Year (2027-12-31): EPS=7.16 | Chg30d=+2.65% | Revisions=+60% | GrowthEPS=+6.2% | GrowthRev=+5.6%
[Analyst] Revisions Ratio: +60%