ABCB

Ameris Bancorp

Fundamental data last updated:June 7, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

07/27/2026

Business Summary

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 165 full service domestic banking offices and 35 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

 


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VALUATION

P/E

13.19

Market Cap ($M USD)

$5.69B

Forward P/E

11.81

PEG

1.01

PRICE TO SALES

3.41

PRICE TO BOOK

1.41

EV / EBITDA

8.74

5-Year Average P/E

Free Cash Flow Yield

8.87%

DCF Value

$50.50

Graham Number

$93.22

Price to FCF

11.28

EV to FCF

10.67

Earnings Yield

7.58%

FCF Yield

8.87%

DIVIDEND

Yield

0.95%

Annual Payout

$0.80

Payout Ratio

12.69%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$6.41

Next Year EPS Growth Estimate

$7.16

Next Year Revenue Growth Estimate

$137.22B

Return on Equity (ROE)

10.81%

FREE CASH FLOW

Operating Margin

33.59%

Debt-to-Equity

0.18

Piotroski F-Score

7

Altman Z-Score

-0.54

Return on Invested Capital (ROIC)

12.25%

Current Ratio

0.08

Quick Ratio

0.08

Net Debt to EBITDA

-0.50

Interest Coverage

1.24

Gross Profit margin

70.01%

FCF PER SHARE

$7.45

REVENUE PER SHARE

$24.67

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Gainseekers Quantitative Analysis

Summary

ABCB Ameris Bancorp’s valuation paints a complex picture. The market has priced it significantly above its DCF Value and Graham Number, suggesting a potential overvaluation. However, with a Forward P/E of 12.08 and an Earnings Yield of 7.41%, it offers a reasonable entry point for growth at a reasonable price (GARP) investors. The Altman Z-score of -0.54 raises red flags about financial distress, indicating potential risks. Overall, while the valuation metrics suggest caution, the earnings potential remains attractive.

AI Exposure / Tech Reliance

In the rapidly evolving financial services sector, ABCB Ameris Bancorp must navigate the integration of AI and tech advancements. As a regional bank, its ability to leverage technology for customer service and operational efficiency will be crucial. The industry demands adaptability, and those who fail to innovate risk obsolescence.

The Bull Case

For value and GARP investors, ABCB Ameris Bancorp presents a compelling case. With a robust ROIC of 12.25% and a solid FCF Yield of 4.33%, the company demonstrates efficient capital allocation and cash generation. The Piotroski F-Score of 6 indicates moderate financial health, while an operating margin of 33.59% underscores its pricing power. These metrics suggest a well-managed entity capable of delivering shareholder value.

The Bear Case

Despite some strengths, ABCB Ameris Bancorp faces significant structural risks. The Price/Book ratio of 1.44 and Price/Sales of 3.53 suggest a premium valuation, potentially limiting upside. Its proximity to the 52-week high signals technical overextension, raising concerns about a pullback. Additionally, the negative Altman Z-score highlights financial vulnerability, warranting caution for prospective investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$91.25

Institutional Ownership %

1-Year Beta

0.94

Insider Buying % (6 Mo)

Distance to 52-Week High

3.99%

Distance to 52-Week Low

29.63%

EARNINGS SURPRISE %

5.84%

50-DAY SMA

$82.33

200-DAY SMA

$77.60

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.