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Ameris Bancorp ABCB R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.amerisbank.com
Company Profile ↓
$86.05
+21.36% 1Y
Mkt Cap$5.77B
P/E15.56
P/B1.43
Div. Yield0.91%
52W High$93.17
52W Low$68.39
Book Value$61.16
EPS (TTM)$5.53

Company Overview

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including home improvement and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans; equipment finance loans; and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

Why Investors Should Care

Reasonable Valuation

Trades at an undemanding P/E of 15.6.

Healthy Margins

Maintains a net profit margin of 31.8%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.17.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $1.17B (+6.3% YoY); net profit $412.15M.
  • Trailing 12 Months Year-on-year growth — revenue +3.6%, earnings -51.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.8%, profit CAGR 6.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.83%
1 Year:3.60%

Compounded Profit Growth

5 Years:5.95%
1 Year:-51.90%

Stock Price Performance

1 Year:+21.36%
6 Months:+12.76%
3 Months:+0.90%
1 Month:-2.43%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 71% of range
$68.39 $93.17
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)46.54 · Neutral
Price Performance
1M-2.43%
3M+0.90%
6M+12.76%
1Y+21.36%
Valuation vs Sector

P/E of 15.56 is above the sector median of 14.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.8%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
15.56
Industry PE
14.52
Forward P/E
12.24
PEG Ratio
1.10
Book Value
$61.16
Price to Book
1.43
P/S
4.98
EV/EBITDA
-
Dividend Yield
0.91%

Growth (CAGR)

Revenue 5Y
3.83%
Profit 5Y
5.95%
Revenue (YoY)
3.60%
Earnings (YoY)
-51.90%

Profitability & Returns

ROCE
-
ROE
9.40%
ROA
1.36%
Profit Margin
31.80%
Op Margin
22.40%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.77
EPS (TTM)
$5.53

Balance Sheet & Liquidity

Debt/Equity
0.17
Quick Ratio
-
Current Ratio
-
Debt
$1.39B
Total Assets
$28.49B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
5.43%
Chg in Prom Hold
-0.08%
FII / Inst Holding
101.54%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$5.77B
Total Revenue (TTM)
$1.18B
EBITDA
-
Free Cash Flow
$369.64M
Operating Cash Flow
$390.18M
Shares Outstanding
67.11M
Gross Margin
0.00%
Payout Ratio
14.47%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ABCB Ameris Bancorp R2KR3KFINANCIAL 86.05 15.56 $5.77B 0.91% - 9.40% 3.83% 5.95%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------277.27M292.17M305.33M298.91M306.47M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------111.94M115.83M117.08M112.76M107.33M-
Pretax Income ----------------------------------112.94M142.69M137.04M141.09M140.72M-
Tax Provision ----------------------------------25.00M32.86M31.01M32.74M30.23M-
Net Income 15.63M14.15M12.32M20.05M21.56M18.18M21.15M23.09M20.16M9.15M26.66M9.39M41.44M43.54M39.91M38.90M21.38M61.25M19.32M32.24M116.14M94.28M124.96M88.33M81.68M81.70M90.07M92.56M60.42M62.63M80.11M74.31M90.78M99.21M87.94M109.83M106.03M108.36M110.49M-
Diluted EPS 0.480.430.370.570.610.520.590.620.540.240.700.240.870.910.840.820.310.880.280.471.671.361.791.271.171.171.301.340.870.911.161.081.321.44-1.601.541.591.630.77

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------1.05B1.04B1.10B1.17B
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------92.86M445.39M529.09M457.60M
Pretax Income -------------453.10M356.94M475.86M533.76M
Tax Provision -------------106.56M87.83M117.17M121.61M
Net Income -41.79M-3.99M21.09M14.44M20.02M38.72M40.85M72.10M73.55M121.03M161.44M261.99M-346.54M269.11M358.69M412.15M
Diluted EPS -3.27-0.350.760.460.751.461.272.081.982.802.753.77-4.993.895.196.00

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -2.97B2.99B3.02B3.67B4.04B5.59B6.89B7.86B11.44B18.24B20.44B23.86B25.05B25.20B26.26B27.52B
Current Assets -----------------
Cash & Equivalents -------------1.12B1.17B1.22B1.09B
Inventory -----------------
Receivables -----------------
Total Liabilities -2.70B2.70B2.74B3.35B3.67B5.07B6.25B7.05B9.99B15.77B17.79B20.89B21.86B21.78B22.51B23.44B
Current Liabilities -----------------
Long Term Debt -------------2.00B639.90M424.10M692.34M
Total Debt -------------2.00B639.90M424.10M692.34M
Total Equity 194.96M273.41M293.77M279.02M316.70M366.03M514.76M646.44M804.48M1.46B2.47B2.65B2.97B3.20B3.43B3.75B4.08B
Shares Outstanding -------------72.26M72.52M72.70M72.90M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 23.95M45.01M46.17M32.24M33.64M--25.22M-69.77M-62.56M-108.80M-940.21M798.40M-1.06B568.96M154.19M390.18M
Investing Cash Flow 180.48M120.47M278.50M414.55M40.16M--167.86M-802.87M-666.91M-53.31M-487.09M-1.20B--4.87B-338.19M-846.68M-1.30B
Financing Cash Flow -190.16M-172.21M-333.47M-432.06M-91.10M-413.29M680.45M861.74M510.99M1.37B1.90B-865.53M-181.59M745.56M781.16M
Capital Expenditure -6.88M-5.06M-12.02M-9.06M-5.63M-5.71M-12.58M-10.98M-3.76M-10.01M-11.58M-18.12M--13.57M-17.53M-13.48M-20.54M
Free Cash Flow 17.06M39.95M34.14M23.17M28.00M--37.80M-80.74M-66.32M-118.81M-951.79M780.28M-1.05B551.43M140.72M369.64M
Net Change in Cash --------------2.95B49.17M53.07M-131.46M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------33.0%25.8%32.5%35.1%
ROE % -21.4%-1.5%7.2%5.2%6.3%10.6%7.9%11.2%9.1%8.3%6.5%9.9%-10.8%7.9%9.6%10.1%
ROCE % -----------------

Shareholding Pattern

Insiders
5.43%
Institutions
101.54%
Public Float
107.37%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.56% 9.77M $836.17M
2 Dimensional Fund Advisors LP 5.81% 3.90M $333.86M
3 Vanguard Portfolio Management LLC 5.54% 3.72M $318.06M
4 State Street Corporation 5.20% 3.49M $298.74M
5 Invesco Ltd. 4.61% 3.09M $264.63M
6 Wellington Management Group, LLP 4.31% 2.89M $247.58M
7 Vanguard Capital Management LLC 4.27% 2.87M $245.41M
8 North Reef Capital Management LP 4.07% 2.73M $233.85M
9 Independent Advisor Alliance 3.95% 2.65M $226.63M
10 Morgan Stanley 3.29% 2.21M $188.88M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for ABCB

Yahoo Finance ue, 18 Aug 2026

1 Small-Cap Stock for Long-Term Investors and 2 We Question

Many small-cap stocks have limited Wall Street coverage, giving savvy investors the chance to act before everyone else catches on. But the flip side is that these businesses have increased downside risk because they lack the scale and stayi…

Yahoo Finance ue, 04 Aug 2026

ABCB Q2 Deep Dive: Margin Pressures and Deposit Competition Shape Growth Outlook

Regional banking company Ameris Bancorp (NYSE:ABCB) fell short of the market’s revenue expectations in Q2 CY2026, but sales rose 5.5% year on year to $317.8 million. Its non-GAAP profit of $1.60 per share was 3.6% below analysts’ consensus …

Yahoo Finance Sat, 01 Aug 2026

The 5 Most Interesting Analyst Questions From Ameris Bancorp’s Q2 Earnings Call

Ameris Bancorp’s second quarter results prompted a negative market reaction, with the company missing Wall Street’s revenue and adjusted profit expectations. Management attributed the quarter’s performance to strong organic loan growth and …

Yahoo Finance Sun, 26 Jul 2026

Ameris Bancorp (ABCB) Reports Mixed Q2 Results, Is The Premium Valuation Justified?

Ameris Bancorp (ABCB) stock is in focus after the bank reported second quarter 2026 results that showed higher net interest income alongside lower net income and earnings per share compared with the prior year period. See our latest analysi…

Yahoo Finance Fri, 24 Jul 2026

Ameris Bancorp (ABCB) Q2 2026 Earnings Call Highlights: Strong Loan Growth and Profitability ...

Ameris Bancorp (ABCB) reports robust loan production and profitability, despite facing litigation expenses and potential margin compression.

Yahoo Finance hu, 23 Jul 2026

Ameris Bancorp (ABCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for Ameris Bancorp (ABCB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers…

ABCB — Frequently Asked Questions

What is the current share price of Ameris Bancorp (ABCB)?

As of 2026-09-07 16:24 PDT, Ameris Bancorp (ABCB) trades at $86.05 on NYSE. Its 52-week range is $68.39 to $93.17.

What is the market capitalisation of ABCB?

Ameris Bancorp (ABCB) has a market capitalisation of $5.77B on NYSE.

What is the P/E ratio of ABCB?

ABCB trades at a trailing price-to-earnings (P/E) ratio of 15.56. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.43.

Does ABCB pay a dividend?

Ameris Bancorp (ABCB) currently offers a dividend yield of 0.91%.

What is the return on equity (ROE) of ABCB?

ABCB has a return on equity (ROE) of 9.40%.

Is ABCB a good stock to buy?

This page provides a data-driven analysis of Ameris Bancorp (ABCB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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