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Ameris Bancorp (ABCB)
NYSE:ABCB
US Market
ABCB
Ameris Bancorp
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Ameris Bancorp (ABCB) Ratios

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Ameris Bancorp Ratios

ABCB's free cash flow for Q4 2025 was $0.68. For the 2025 fiscal year, ABCB's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.08 0.62 0.13 0.12 0.13
Quick Ratio
 0.08 0.62 0.13 0.12 0.13
Cash Ratio
 0.06 0.47 0.06 0.06 0.06
Solvency Ratio
 0.02 0.02 0.02 0.01 0.02
Operating Cash Flow Ratio
 0.02 0.73 <0.01 0.03 0.05
Short-Term Operating Cash Flow Coverage
 0.44 0.73 0.00 0.00 0.00
Net Current Asset Value
$ -22.20B$ -23.11B$ -19.62B$ -19.21B$ -19.24B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.03 0.02 0.03 0.08
Debt-to-Equity Ratio
 0.25 0.18 0.11 0.19 0.63
Debt-to-Capital Ratio
 0.20 0.15 0.10 0.16 0.39
Long-Term Debt-to-Capital Ratio
 0.03 0.04 0.10 0.16 0.39
Financial Leverage Ratio
 6.89 6.75 7.00 7.35 7.84
Debt Service Coverage Ratio
 0.36 0.42 0.77 0.71 4.31
Interest Coverage Ratio
 1.24 1.17 0.90 0.80 4.88
Debt to Market Cap
 0.18 0.14 0.10 0.17 0.61
Interest Debt Per Share
 21.77 17.54 13.85 15.73 30.30
Net Debt to EBITDA
 -0.50 0.92 -1.52 -1.31 1.75
Profitability Margins
Gross Profit Margin
70.01%68.31%64.00%60.48%85.58%
EBIT Margin
33.59%32.05%29.14%23.99%39.70%
EBITDA Margin
36.85%32.05%32.00%27.08%44.39%
Operating Profit Margin
33.59%32.05%29.14%23.99%39.70%
Pretax Profit Margin
33.59%32.05%29.14%23.99%39.70%
Net Profit Margin
26.00%24.75%21.97%18.09%30.36%
Continuous Operations Profit Margin
26.00%24.75%21.97%18.09%30.36%
Net Income Per EBT
77.41%77.22%75.38%75.39%76.48%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.55%1.50%1.37%1.07%1.38%
Return on Equity (ROE)
10.81%10.11%9.56%7.85%10.84%
Return on Capital Employed (ROCE)
12.25%1.98%10.48%7.94%8.10%
Return on Invested Capital (ROIC)
7.94%1.50%7.90%5.99%6.20%
Return on Tangible Assets
1.61%1.56%1.42%1.12%1.45%
Earnings Yield
7.61%8.11%8.33%7.35%10.62%
Efficiency Ratios
Receivables Turnover
 3.37 20.82 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 7.73 7.82 7.80 6.87 5.18
Asset Turnover
 0.06 0.06 0.06 0.06 0.05
Working Capital Turnover Ratio
 -0.15 -0.18 -0.09 -0.09 -0.07
Cash Conversion Cycle
 108.42 17.53 0.00 0.00 0.00
Days of Sales Outstanding
 108.42 17.53 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 108.42 17.53 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 5.76 5.70 2.24 8.25 15.35
Free Cash Flow Per Share
 5.45 5.40 2.05 7.99 15.16
CapEx Per Share
 0.30 0.30 0.20 0.25 0.20
Free Cash Flow to Operating Cash Flow
 0.95 0.95 0.91 0.97 0.99
Dividend Paid and CapEx Coverage Ratio
 5.15 5.15 2.81 9.61 19.26
Capital Expenditure Coverage Ratio
 19.00 19.00 11.44 32.45 78.31
Operating Cash Flow Coverage Ratio
 0.38 0.53 0.36 0.89 0.53
Operating Cash Flow to Sales Ratio
 0.23 0.23 0.09 0.38 0.93
Free Cash Flow Yield
6.42%7.27%3.27%15.07%32.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.34 12.33 12.00 13.60 9.41
Price-to-Sales (P/S) Ratio
 3.49 3.05 2.64 2.46 2.86
Price-to-Book (P/B) Ratio
 1.42 1.25 1.15 1.07 1.02
Price-to-Free Cash Flow (P/FCF) Ratio
 15.80 13.75 30.60 6.64 3.11
Price-to-Operating Cash Flow Ratio
 14.86 13.03 27.92 6.43 3.07
Price-to-Earnings Growth (PEG) Ratio
 0.75 0.79 0.36 -0.61 -1.22
Price-to-Fair Value
 1.42 1.25 1.15 1.07 1.02
Enterprise Value Multiple
 8.98 10.44 6.71 7.77 8.19
Enterprise Value
 5.45B 5.57B 3.51B 3.13B 4.15B
EV to EBITDA
 8.85 10.44 6.71 7.77 8.19
EV to Sales
 3.26 3.35 2.15 2.10 3.63
EV to Free Cash Flow
 14.74 15.08 24.94 5.68 3.95
EV to Operating Cash Flow
 13.97 14.28 22.76 5.50 3.90
Tangible Book Value Per Share
 44.48 43.91 38.73 33.68 30.00
Shareholders’ Equity Per Share
 60.22 59.55 54.52 49.68 46.21
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.25 0.25 0.24
Revenue Per Share
 24.67 24.33 23.73 21.57 16.50
Net Income Per Share
 6.41 6.02 5.21 3.90 5.01
Tax Burden
 0.77 0.77 0.75 0.75 0.76
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.25 0.24 0.23 0.23 0.29
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 0.95 0.95 0.43 2.11 3.07
Currency in USD