Ameris Bancorp (ABCB) AI Stock Analysis

• Market Cap: $5.05B
• Dividend Yield: 1.07%
• Average Volume (3M): 448.55K
• Price to Earnings (P/E): 12.7
• Beta (1Y): 1.08
• Revenue Growth: 2.20%
• EPS Growth: 20.88%
• Country: US
• Employees: 2,045
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.53
• Shares Outstanding: 68,315,150
• 10 Day Avg. Volume: 534,689
• 30 Day Avg. Volume: 448,546
• PEG Ratio: 0.36
• Price to Book (P/B): 1.15
• Price to Sales (P/S): 2.64
• P/FCF Ratio: 30.60
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 3.39
• Enterprise Value/Gross Profit: 5.33
• Enterprise Value/Ebitda: 11.95
• 1Y Price Target: $83.00
• Price Target Upside: 10.80% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 5.91
• Revenue Forecast (FY): $1.21B

• Rating: 76 Outperform
• Price Target: $84.00 ▲(12.13% Upside)

Ameris Bancorp's overall stock score is driven by its strong earnings call performance and stable financial position. The company's ability to maintain growth in deposits and tangible book value, along with efficient cash management, supports a positive outlook. Technical indicators suggest a stable trend, while valuation metrics indicate the stock is reasonably priced. The optimistic sentiment from the earnings call further enhances the stock's attractiveness, despite some concerns about margin compression and competition.

Ameris Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Ameris Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. The key revenue streams include interest from commercial loans, residential mortgages, and consumer loans, which are the core of the company's lending operations. Additionally, Ameris earns fees from services such as account maintenance, transaction processing, and wealth management services. The bank also benefits from net interest margin, which is the difference between the interest income generated and the interest paid out on deposits and borrowings. Significant partnerships with other financial institutions and participation in government programs further enhance its revenue potential by allowing for diversified financial offerings.

Ameris Bancorp Financial Statement Overview

Summary

Ameris Bancorp demonstrates a stable financial position with strong margins and efficient cash management. The company faces challenges in revenue growth and profitability, as seen in the declining net profit margin and return on equity. However, its low leverage and strong equity base provide a solid foundation for future growth. The significant improvement in free cash flow is a positive indicator of the company's ability to generate cash, which can support future investments and debt reduction.

Income Statement

Ameris Bancorp's income statement shows a mixed performance. The TTM data indicates a slight decline in total revenue, but the company maintains a healthy gross profit margin of 66.8% and an EBIT margin of 31.3%. However, the net profit margin has decreased to 11.3% from 21.9% in the previous year, reflecting a drop in profitability. Despite the revenue decline, the company has managed to keep its EBITDA margin stable at 34.1%, indicating efficient cost management.

Balance Sheet

The balance sheet of Ameris Bancorp is strong, with a low debt-to-equity ratio of 0.13, indicating prudent financial leverage. The return on equity has decreased to 4.8% in the TTM, which is a concern, but the equity ratio remains robust at 14.7%. The company has managed to maintain a solid equity base, which provides stability and reduces financial risk.

Cash Flow

The cash flow statement shows a significant improvement in free cash flow growth at 64.3% in the TTM, reflecting strong cash generation capabilities. However, the operating cash flow to net income ratio is low at 1.9%, suggesting potential challenges in converting income into cash. The free cash flow to net income ratio is high at 95.8%, indicating efficient cash management despite the low operating cash flow coverage.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.56B	1.63B	1.49B	1.14B	1.04B	1.15B
Gross Profit	991.85M	1.05B	899.85M	976.89M	1.03B	912.86M
EBITDA	442.50M	522.59M	402.87M	506.72M	544.04M	395.36M
Net Income	102.15M	358.69M	269.11M	346.54M	376.91M	261.99M
Balance Sheet
Total Assets	27.10B	26.26B	25.20B	25.05B	23.86B	20.44B
Cash, Cash Equivalents and Short-Term Investments	2.35B	2.89B	2.57B	2.62B	4.64B	3.08B
Total Debt	0.00	424.10M	639.90M	2.00B	872.05M	561.14M
Total Liabilities	23.08B	22.51B	21.78B	21.86B	20.89B	17.79B
Stockholders Equity	4.02B	3.75B	3.43B	3.20B	2.97B	2.65B
Cash Flow
Free Cash Flow	126.15M	140.72M	551.43M	1.05B	-16.31M	780.28M
Operating Cash Flow	130.50M	154.19M	568.96M	1.06B	9.14M	798.40M
Investing Cash Flow	2.85M	-846.68M	-338.19M	-4.87B	-420.98M	-1.20B
Financing Cash Flow	244.76M	745.56M	-181.59M	865.53M	2.36B	1.90B

Ameris Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 74.91
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 74.91 is above the 20-day moving average (MA) of 72.78, above the 50-day MA of 73.50, and above the 200-day MA of 65.23, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 58.92 is Neutral, neither overbought nor oversold. The STOCH value of 76.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ABCB.

Ameris Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ABCB	76 Outperform	$5.05B	12.75	10.34%	1.07%	2.20%	20.88%
AX	74 Outperform	$4.59B	10.96	16.65%	―	1.66%	-9.31%
HWC	72 Outperform	$4.91B	10.54	11.11%	3.14%	-0.78%	25.39%
AUB	72 Outperform	$4.65B	17.50	5.42%	4.18%	43.53%	-21.74%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBS	66 Neutral	$3.94B	15.44	15.24%	1.86%	3.97%	24.91%
FFIN	63 Neutral	$4.49B	18.53	13.89%	2.39%	12.90%	16.92%

Ameris Bancorp Corporate Events

Ameris Bancorp Reports Strong Q3 2025 Earnings

Ameris Bancorp, a state-chartered bank headquartered in Atlanta, Georgia, operates financial centers across five southeastern states and offers a range of banking and lending services, including treasury and cash management, insurance premium financing, and mortgage services. In the third quarter of 2025, Ameris Bancorp reported a net income of $106 million, or $1.54 per diluted share, marking an increase from the previous year’s $99.2 million. The company’s return on average assets stood at 1.56%, while the return on average tangible common equity was 14.57%. Ameris also saw a tangible book value growth of 15.2% annualized, reaching $42.90 per share. The bank’s net interest margin expanded to 3.80%, and its efficiency ratio improved to 49.19%. Ameris Bancorp’s financial performance was bolstered by a $6.2 million growth in net interest income and a 7.6% annualized increase in earning assets. Loan growth was recorded at $216.9 million, or 4.1% annualized, and the company maintained stable net charge-offs at 0.14% of average total loans. Looking ahead, Ameris Bancorp’s management remains optimistic about leveraging its robust capital levels and strong performance to capitalize on growth opportunities in the Southeast region in 2026 and beyond.

Ameris Shines in Earnings Call with Optimistic Growth Outlook

Ameris Reports Strong Earnings with Optimistic Outlook

Ameris Bancorp Announces New Share Repurchase Program

Ameris Bancorp reported strong financial results for the third quarter of 2025, with a net income of $106 million, up from $99.2 million in the same quarter of 2024. The company achieved significant growth in net interest income and maintained a low efficiency ratio, indicating effective cost management. The tangible book value per share increased by 15.2% annualized, and the company improved its net interest margin to 3.80%. Additionally, Ameris Bancorp announced a new share repurchase program of up to $200 million, reflecting confidence in its financial position and future growth prospects.

The most recent analyst rating on (ABCB) stock is a Buy with a $81.00 price target. To see the full list of analyst forecasts on Ameris Bancorp stock, see the ABCB Stock Forecast page.

Ameris Bancorp Expands Stock Repurchase Program

On October 20, 2025, Ameris Bancorp announced that its board of directors authorized an increase in its stock repurchase program, allowing the company to buy back up to $200 million of its outstanding common stock through October 31, 2026. This move is a continuation and expansion of a previous program under which $36.3 million in shares were repurchased over the past year. The repurchase plan reflects the company’s focus on long-term shareholder value and confidence in its financial strength, as stated by CEO H. Palmer Proctor, Jr.

The most recent analyst rating on (ABCB) stock is a Buy with a $77.00 price target. To see the full list of analyst forecasts on Ameris Bancorp stock, see the ABCB Stock Forecast page.