Ameris Bancorp (ABCB)
NYSE:ABCB
Want to see ABCB full AI Analyst Report?
ABCB Stock Chart & Stats
$85.28
-$0.23(-0.37%)
At close: 4:00 PM EST
$85.28
-$0.23(-0.37%)
Day’s Range― - ―
52-Week Range$59.54 - $87.99
Previous CloseN/A
Volume63.46K
Average Volume (3M)557.95K
Market Cap
$5.70B
Enterprise Value$5.39B
Total Cash (Recent Filing)$1.33B
Total Debt (Recent Filing)$1.02B
Price to Earnings (P/E)12.0
Beta1.03
Next Earnings
Jul 23, 2026EPS Estimate
1.66Next Dividend Ex-DateN/A
Dividend Yield1.02%
Share Statistics
EPS (TTM)6.37
Shares Outstanding67,292,500
10 Day Avg. Volume536,031
30 Day Avg. Volume557,949
Financial Highlights & Ratios
PEG Ratio0.79
Price to Book (P/B)1.25
Price to Sales (P/S)3.05
P/FCF Ratio13.75
Enterprise Value/Market Cap0.95
Enterprise Value/Revenue3.23
Enterprise Value/Gross Profit4.61
Enterprise Value/Ebitda8.75
Forecast
1Y Price Target
$90.60Price Target Upside6.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)6.73
Revenue Forecast (FY)$1.30B
Bulls Say, Bears Say
Bulls Say
Strong Profitability MetricsAmeris reports durable core profitability (ROA 1.62%, ROTCE ~14.75%, NIM 3.88%) and improved efficiency (~50%). These metrics support internal capital generation, consistent earnings retention and the ability to fund growth or buybacks, strengthening resilience over the next several quarters.
Strong Cash GenerationTTM free cash flow of roughly $505M that tracks ~95% of net income indicates high cash conversion and earnings quality. Reliable cash generation underpins capital returns, organic growth and loss absorption capacity, providing financial flexibility across 2–6 months.
Robust Loan Production & PipelineQuarterly loan production of $2.2B with a $2.8B pipeline and earning-asset growth supports sustainable balance-sheet expansion. Coupled with a strong deposit franchise, persistent loan origination capacity should drive durable net interest income and revenue diversification.
Bears Say
Concentrated CRE & Construction ExposureCommercial real estate and construction concentrations (~265% and ~46% of capital) create structural credit vulnerability. In a regional slowdown or commercial property stress, these concentrations can require elevated provisions, erode capital and constrain lending over the medium term.
Funding Competition And Margin RiskManagement-guided NIM compression (5–10 bps) and deposit-cost pressure reflect structural funding competition. Even modest, persistent margin erosion reduces net interest income and PPNR, limiting room for expense absorption, capital returns or reinvestment over coming quarters.
Volatile Cash Flow HistoryDespite strong latest TTM free cash flow, historical volatility (notably weak 2021 and lower 2024) weakens predictability of free cash generation. This makes planning for buybacks, dividends and loan growth less certain if earnings or credit trends reverse.
Ameris Bancorp News
ABCB FAQ
What was Ameris Bancorp’s price range in the past 12 months?
Ameris Bancorp lowest stock price was $59.54 and its highest was $87.99 in the past 12 months.
What is Ameris Bancorp’s market cap?
Ameris Bancorp’s market cap is $5.70B.
When is Ameris Bancorp’s upcoming earnings report date?
Ameris Bancorp’s upcoming earnings report date is Jul 23, 2026 which is in 57 days.
How were Ameris Bancorp’s earnings last quarter?
Ameris Bancorp released its earnings results on Apr 23, 2026. The company reported $1.63 earnings per share for the quarter, beating the consensus estimate of $1.554 by $0.076.
Is Ameris Bancorp overvalued?
According to Wall Street analysts Ameris Bancorp’s price is currently Undervalued.
Does Ameris Bancorp pay dividends?
Ameris Bancorp pays a Quarterly dividend of $0.2 which represents an annual dividend yield of 1.02%. See more information on Ameris Bancorp dividends here
What is Ameris Bancorp’s EPS estimate?
Ameris Bancorp’s EPS estimate is 1.66.
How many shares outstanding does Ameris Bancorp have?
Ameris Bancorp has 67,292,500 shares outstanding.
What happened to Ameris Bancorp’s price movement after its last earnings report?
Ameris Bancorp reported an EPS of $1.63 in its last earnings report, beating expectations of $1.554. Following the earnings report the stock price went up 0.319%.
Which hedge fund is a major shareholder of Ameris Bancorp?
Currently, no hedge funds are holding shares in ABCB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ameris Bancorp Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$90.60 (6.24% Upside)
$90.60 (6.24% Upside)
Blogger Sentiment
Neutral
ABCB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 18.9K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
62.08%
12-Months-Change
Fundamentals
Return on Equity
10.81%
Trailing 12-Months
Asset Growth
6.02%
Trailing 12-Months
Company Description
Ameris Bancorp
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.
ABCB Company Deck
ABCB Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple strong positives: solid profitability (ROA, ROTCE, PPNR), double-digit revenue growth year-over-year, robust loan production and a healthy deposit franchise (notably noninterest-bearing deposits), active share repurchases, improving tangible book value, and stable credit metrics. Management acknowledged manageable near-term headwinds — expected modest NIM compression (5–10 bps), competitive deposit costs, seasonal expense items, and mortgage revenue sensitivity — but characterized these as controllable or contingent on the macro/rate environment. Given the breadth and magnitude of operational and capital strengths relative to the described challenges, the call's tone and metrics skew clearly favorable.View all ABCB earnings summariesABCB Stock 12 Month Forecast
Average Price Target
$90.60
▲(6.24% Upside)
Technical Analysis
Axos Financial
―
First Financial Bankshares
―
Hancock Whitney
―
Atlantic Union Bankshares
―
ServisFirst Bancshares
―
Ownership Overview
5.76% Insiders
28.15% Mutual Funds
19.22% Other Institutional Investors
19.16% Public Companies and
Individual Investors