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Ameris Bancorp ABCB R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.amerisbank.com
Company Profile ↓
$82.37
+16.17% 1Y
Mkt Cap$5.53B
P/E15.00
P/B1.29
Div. Yield1.01%
52W High$92.94
52W Low$68.39
Book Value$61.16
EPS (TTM)$5.49

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 15.0.

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:+16.17%
6 Months:-2.20%
3 Months:-5.88%
1 Month:+1.16%

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

Technical Snapshot Bearish
52-Week Range 57% of range
$68.39 $92.94
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • Death Cross2d ago
  • RSI (14)56.63 · Neutral
Price Performance
1M+1.16%
3M-5.88%
6M-2.20%
1Y+16.17%
Valuation vs Sector

P/E of 15.00 is above the sector median of 13.71 — 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.

CONS

  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
15.00
Industry PE
13.71
Forward P/E
11.72
PEG Ratio
1.10
Book Value
$61.16
Price to Book
1.29
P/S
4.48
EV/EBITDA
-
Dividend Yield
1.01%

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
50.19%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.77
EPS (TTM)
$5.49

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
0.00%
FII / Inst Holding
101.32%
Chg in FII Hold
-0.10%

Financial Snapshot

Enterprise Value
$5.53B
Total Revenue (TTM)
$1.18B
EBITDA
-
Free Cash Flow
$369.64M
Operating Cash Flow
$548.53M
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 82.37 15.00 $5.53B 1.01% - 9.40% 3.83% 5.95%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 336.54 14.43 $894.59B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 546.97 13.76 $770.15B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 414.34 35.23 $706.08B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 633.21 34.87 $550.55B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 820,500.00 13.76 $400.77B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 51.08 11.80 $357.19B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 91.89 13.13 $314.52B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 183.97 14.87 $288.94B 2.26% - 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
101.32%
Public Float
107.14%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.56% 9.77M $771.99M
2 Dimensional Fund Advisors LP 5.81% 3.90M $308.24M
3 Vanguard Portfolio Management LLC 5.54% 3.72M $293.64M
4 State Street Corporation 5.20% 3.49M $275.81M
5 Invesco Ltd. 4.61% 3.09M $244.32M
6 Wellington Management Group, LLP 4.31% 2.89M $228.57M
7 Vanguard Capital Management LLC 4.27% 2.87M $226.57M
8 North Reef Capital Management LP 4.07% 2.73M $215.90M
9 Independent Advisor Alliance 3.95% 2.65M $209.23M
10 Morgan Stanley 3.29% 2.21M $174.38M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for ABCB

Yahoo Finance hu, 22 Oct 2026

Ameris Bancorp (ABCB) Q3 Earnings Top Estimates

Ameris Bancorp (ABCB) delivered earnings and revenue surprises of +2.98% and -1.19%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?

Yahoo Finance hu, 22 Oct 2026

Ameris Bancorp (NYSE:ABCB) misses Q3 2026 revenue estimates

Regional banking company Ameris Bancorp (NYSE:ABCB) fell short of the market’s revenue expectations in Q3 2026 as sales rose 2.8% year on year to $321.8 million. Its non-GAAP profit of $1.73 per share was 3.1% above analysts’ consensus esti…

Yahoo Finance hu, 22 Oct 2026

Ameris Bancorp: Q3 Earnings Snapshot

ATLANTA (AP) — ATLANTA (AP) — Ameris Bancorp (ABCB) on Thursday reported third-quarter net income of $116.The Atlanta-based bank said it had earnings of $1.

Yahoo Finance Wed, 21 Oct 2026

Exploring Analyst Estimates for Ameris Bancorp (ABCB) Q3 Earnings, Beyond Revenue and EPS

Evaluate the expected performance of Ameris Bancorp (ABCB) for the quarter ended September 2026, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.…

Yahoo Finance Wed, 21 Oct 2026

What To Expect From Ameris Bancorp’s (ABCB) Q3 Earnings

Regional banking company Ameris Bancorp (NYSE:ABCB) will be announcing earnings results this Thursday after the bell. Here’s what to look for.

Yahoo Finance hu, 15 Oct 2026

Ameris Bancorp (ABCB) Reports Next Week: Wall Street Expects Earnings Growth

Ameris Bancorp (ABCB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

ABCB — Frequently Asked Questions

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

As of 2026-10-22 16:30 PDT, Ameris Bancorp (ABCB) trades at $82.37 on NYSE. Its 52-week range is $68.39 to $92.94.

What is the market capitalisation of ABCB?

Ameris Bancorp (ABCB) has a market capitalisation of $5.53B on NYSE.

What is the P/E ratio of ABCB?

ABCB trades at a trailing price-to-earnings (P/E) ratio of 15.00. The industry average P/E is 13.71. Its price-to-book (P/B) ratio is 1.29.

Does ABCB pay a dividend?

Ameris Bancorp (ABCB) currently offers a dividend yield of 1.01%.

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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