ABCB Stock Analysis: Ameris Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 5.549m USD | 12M Return: 11.2% | US03076K1088 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 34.9M
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 bank holding company headquartered in Atlanta, Georgia, that operates Ameris Bank, a regional bank serving retail and commercial customers. Founded in 1971, the company runs through four reporting segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division, reflecting a diversified business model that extends beyond traditional branch banking.
The company provides a full suite of deposit products, including commercial and retail checking accounts, interest-bearing savings, money market accounts, IRAs, and certificates of deposit. On the lending side, it offers commercial real estate, residential mortgage, agricultural, commercial and industrial, and consumer loans (such as home equity and home improvement loans), as well as specialized products like equipment finance, SBA loans, and commercial insurance premium finance.
Distribution is supported by full-service domestic banking offices alongside mortgage and loan production offices. As a mid-cap U.S. regional bank within the GICS Financials sector, ABCBs segment structure is fairly typical of diversified regional banks that supplement net interest income with fee-generating activities such as mortgage origination, warehouse lending to other mortgage originators, and insurance premium financing.
- Net interest margin expands on higher-for-longer Fed rates
- Commercial real estate loan concentration raises credit and regulatory concerns
- Premium Finance Division outpaces core banking segment growth
| 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 September 27, 2026, the stock is trading at USD 82.29 with a total of 349,006 shares traded. Over the past week, the price has changed by -1.45%, over one month by -3.80%, over three months by -8.80% and over the past year by +11.18%.
Current recommended Stop Loss: 80.50 (which is 2.2% or 1.3 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 | 14.4% |
P/E Trailing = 15.0073
P/E Forward = 13.0039
P/S = 4.6896
P/B = 1.3616
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 = 6.70b USD (5.55b + Debt 1.39b - CCE 237.4m)
Interest Coverage Ratio = 1.08 (Ebit TTM 484.9m / Interest Expense TTM 450.3m)
EV/FCF = 12.83x (Enterprise Value 6.70b / FCF TTM 522.0m)
FCF Yield = 7.79% (FCF TTM 522.0m / Enterprise Value 6.70b)
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 = 0.24 (Enterprise Value 6.70b / 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 = 12.42% (E(5.55b)/V(6.93b) * Re(9.22%) + D(1.39b)/V(6.93b) * Rd(32.50%) * (1-Tc(0.22)))
Discount Rate = 9.22% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -83.02 | Cagr: -1.24%
[DCF] Terminal Value 65.98% ; FCFF base≈470.7m ; Y1≈539.6m ; Y5≈794.1m
[DCF] Fair Price = 86.14 (EV 6.93b - Net Debt 1.15b = Equity 5.78b / Shares 67.1m; r=12.42% [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=-1.77% | Revisions=-22% | Analysts=7
EPS current Year (2026-12-31): EPS=6.64 | Chg30d=-1.33% | Revisions=-22% | GrowthEPS=+10.8% | GrowthRev=+6.5%
EPS next Year (2027-12-31): EPS=7.03 | Chg30d=-0.51% | Revisions=-22% | GrowthEPS=+5.9% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: -29% (up=6, down=12)