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Ameris Bancorp
(NYSE:ABCB)
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Rating:72Outperform
Price Target:
$95.00
▲(11.40% Upside)
Action:Reiterated
Date:06/19/26
The score is driven primarily by solid underlying financial performance and a strong, upbeat earnings call featuring profitable growth, operating leverage, and buybacks supported by ample capital. Technicals add modest support with an established uptrend but neutral momentum indicators. The main offset is elevated event risk from the large jury verdict, with valuation appearing reasonable but not boosted by a high dividend yield.
Positive Factors
Strong profitability and return metrics
Ameris reports durable profitability metrics (ROA, ROTCE, PPNR ROA) that generate recurring internal capital. Consistent earnings and strong PPNR support reinvestment, dividend/buyback capacity and buffer against stress, underpinning long-term franchise resilience and strategic flexibility.
Negative Factors
Major adverse jury verdict with material exposure
The large jury award creates uncertain but potentially material cash and capital implications. An adverse final outcome or accrual could pressure liquidity, constrain buybacks or organic growth, and require capital reallocation, introducing durable event risk until fully resolved.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and return metrics
Ameris reports durable profitability metrics (ROA, ROTCE, PPNR ROA) that generate recurring internal capital. Consistent earnings and strong PPNR support reinvestment, dividend/buyback capacity and buffer against stress, underpinning long-term franchise resilience and strategic flexibility.
Read all positive factors
Ameris Bancorp Key Performance Indicators (KPIs)
Ameris Bancorp (ABCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.06B
Dividend Yield1.02%
Average Volume (3M)557.95K
Price to Earnings (P/E)14.1
Beta (1Y)1.00
Revenue Growth0.32%
EPS Growth17.91%
CountryUS
Employees2,750
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap0.90
Enterprise Value/Revenue3.28
Enterprise Value/Gross Profit4.68
Enterprise Value/Ebitda8.90
Forecast
1Y Price Target
$92.67Price Target Upside8.66% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)6.74
Revenue Forecast (FY)$1.30B
Ameris Bancorp Business Overview & Revenue Model
Company Description
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 Divisio...
How the Company Makes Money
Ameris Bancorp primarily makes money through its banking subsidiary by earning interest income and generating noninterest (fee) income, offset by interest paid on funding sources and operating costs. (1) Net interest income: The core revenue engin...
Ameris Bancorp Earnings Call Summary
Earnings Call Date:Apr 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 23, 2026
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.Positive Updates
Strong Profitability Metrics
Net income of $110.5 million ($1.63 diluted EPS); return on assets (ROA) 1.62%; PPNR ROA 2.30%; return on tangible common equity ~14.75%.
Negative Updates
Anticipated Margin Compression
Management expects slight net interest margin compression of a few basis points per quarter (5–10 basis points total over the next few quarters) due to pressure on deposit costs while funding growth.
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Profitability Metrics
Net income of $110.5 million ($1.63 diluted EPS); return on assets (ROA) 1.62%; PPNR ROA 2.30%; return on tangible common equity ~14.75%.
Read all positive updates
Company Guidance
Management guided to mid‑single‑digit loan and deposit growth for 2026 while emphasizing continued focus on core deposit funding, and said capital remains ample (CET1 roughly 13%, TCE slightly above 11%, total risk‑based ~14.8%) after repurchasing $74.9M (950,400 shares, ~1.4%) in Q1 with $84.3M of buyback authorization remaining (management noted scenarios for completing the $200M program that would still allow roughly 9% to ~11% asset growth and keep capital flat); they expect slight NIM compression of roughly 5–10 bps over the next few quarters from the current 3.88% (3 bps expansion in Q1), see PPNR ROA of 2.30% (ROA 1.62%, ROTCE ~14.75%), project net charge‑offs of 20–25 bps (Q1 annualized NCOs ~21 bps) with a reserve at 1.62%, and forecast the efficiency ratio to be slightly above 50% for the rest of the year (Q1 was 49.97%), while loan production, pipelines ($2.2B production; $2.8B pipeline), earning‑asset growth (~9.7% annualized), and fee income (≈22% of revenue) should help support revenue growth.Ameris Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.67B | 1.67B | 1.63B | 1.49B | 1.14B | 1.04B |
| Gross Profit | 1.17B | 1.14B | 1.05B | 899.85M | 976.89M | 1.03B |
| EBITDA | 616.15M | 572.20M | 522.59M | 402.87M | 506.72M | 544.04M |
| Net Income | 434.71M | 412.15M | 358.69M | 269.11M | 346.54M | 376.91M |
Balance Sheet | ||||||
| Total Assets | 28.11B | 27.52B | 26.26B | 25.20B | 25.05B | 23.86B |
| Cash, Cash Equivalents and Short-Term Investments | 1.33B | 253.81M | 2.89B | 2.57B | 2.62B | 4.64B |
| Total Debt | 1.02B | 743.02M | 424.10M | 639.90M | 2.00B | 872.05M |
| Total Liabilities | 24.03B | 23.44B | 22.51B | 21.78B | 21.86B | 20.89B |
| Stockholders Equity | 4.08B | 4.08B | 3.75B | 3.43B | 3.20B | 2.97B |
Cash Flow | ||||||
| Free Cash Flow | 504.89M | 369.64M | 140.72M | 551.43M | 1.05B | -16.31M |
| Operating Cash Flow | 530.48M | 390.18M | 154.19M | 568.96M | 1.06B | 9.14M |
| Investing Cash Flow | -1.63B | -1.30B | -846.68M | -338.19M | -4.87B | -420.98M |
| Financing Cash Flow | 1.13B | 781.16M | 745.56M | -181.59M | 865.53M | 2.36B |
Ameris Bancorp Technical Analysis
Positive
85.28
Price Trends
85.88
Positive
82.68
Positive
79.01
Positive
Market Momentum
1.59
Negative
59.89
Neutral
76.16
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ABCB, the sentiment is Positive. The current price of 85.28 is below the 20-day moving average (MA) of 88.00, below the 50-day MA of 85.88, and above the 200-day MA of 79.01, indicating a bullish trend. The MACD of 1.59 indicates Negative momentum. The RSI at 59.89 is Neutral, neither overbought nor oversold. The STOCH value of 76.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ABCB.
Ameris Bancorp Risk Analysis
Ameris Bancorp disclosed 38 risk factors in its most recent earnings report. Ameris Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Ameris Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $5.00B | 18.85 | 14.20% | 2.42% | 10.27% | 13.77% | |
76 Outperform | $4.74B | 15.99 | 16.32% | 1.82% | 2.58% | 23.10% | |
72 Outperform | $6.06B | 14.15 | 10.81% | 1.02% | 0.32% | 17.91% | |
72 Outperform | $5.57B | 11.63 | 16.60% | ― | 8.53% | 12.29% | |
71 Outperform | $6.05B | 15.09 | 6.99% | 3.83% | 60.27% | 7.08% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $6.06B | 15.20 | 9.35% | 2.74% | -5.31% | -9.60% |
* Financial Sector Average
ABCB
Ameris Bancorp
90.12
23.77
35.83%
AX
Axos Financial
97.90
14.90
17.95%
FFIN
First Financial Bankshares
34.88
-1.54
-4.23%
HWC
Hancock Whitney
74.61
16.38
28.12%
AUB
Atlantic Union Bankshares
42.26
10.59
33.43%
SFBS
ServisFirst Bancshares
86.64
6.84
8.57%
Ameris Bancorp Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
Ameris Bancorp Adopts Amended Bylaws with Forum Provision
Positive
Jun 19, 2026
On June 18, 2026, Ameris Bancorp’s board of directors approved an amendment and restatement of the company’s bylaws, effective that same day. The revised bylaws introduce an exclusive forum provision that designates the Georgia State-w...
Financial DisclosuresLegal Proceedings
Ameris Bancorp Faces Major Jury Verdict, Plans Appeal
Negative
Jun 12, 2026
On June 12, 2026, a federal jury in the Central District of California found Ameris Bank liable in a lawsuit brought by former executive Patrick Byrne, who served as chief executive officer of the bank’s equipment finance division from Decem...
Executive/Board ChangesShareholder Meetings
Ameris Bancorp Shareholders Back Board, Auditor and Pay
Positive
May 26, 2026
At its May 21, 2026 annual meeting, Ameris Bancorp reported that shareholders representing 88.38% of outstanding common stock were present in person or by proxy and elected 10 directors to serve until the 2027 annual meeting. The vote results show...
Business Operations and StrategyStock BuybackFinancial Disclosures
Ameris Bancorp Posts Strong First-Quarter 2026 Financial Results
Positive
Apr 23, 2026
Ameris Bancorp reported a strong first quarter of 2026, with net income rising to $110.5 million, or $1.63 per diluted share, for the period ended March 31, 2026, up from $87.9 million a year earlier, driven by higher net interest income and robus...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.