Ameris Bancorp (ABCB)
NYSE:ABCB
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Ameris Bancorp
(NYSE:ABCB)
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Rating:78Outperform
Price Target:
$96.00
▲(12.57% Upside)
Action:ReiteratedDate:04/24/26
The score is driven primarily by strong operating performance and a solid balance sheet, reinforced by a constructive earnings call (profitability, growth, efficiency, and buybacks with ample capital). Technicals add support via a clear uptrend and positive momentum. The main constraint is cash flow inconsistency in 2024–2025, with valuation reasonable but not meaningfully boosted by the low dividend yield.
Positive Factors
Strong profitability metrics
Consistently healthy returns (ROA, ROTCE, PPNR ROA) indicate durable core profitability driven by lending and fee businesses. These metrics support reinvestment, capital returns and resilience through rate cycles, underpinning long‑term shareholder value and operational scalability.
Negative Factors
Volatile operating and free cash flow
Pronounced swings in operating and free cash flow reduce predictability of internal funding for loan growth, buybacks or capital expenditures. Persistent volatility can force reliance on external funding or constrain dividend/buyback pacing, limiting financial flexibility over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability metrics
Consistently healthy returns (ROA, ROTCE, PPNR ROA) indicate durable core profitability driven by lending and fee businesses. These metrics support reinvestment, capital returns and resilience through rate cycles, underpinning long‑term shareholder value and operational scalability.
Read all positive factors
Ameris Bancorp (ABCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.82B
Dividend Yield1.02%
Average Volume (3M)557.95K
Price to Earnings (P/E)12.0
Beta (1Y)1.03
Revenue Growth0.65%
EPS Growth17.91%
CountryUS
Employees2,045
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.63
Shares Outstanding68,269,020
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 Cap0.94
Enterprise Value/Revenue3.32
Enterprise Value/Gross Profit4.90
Enterprise Value/Ebitda9.15
Forecast
1Y Price Target
$92.07Price Target Upside7.96% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)6.73
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 range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through...
How the Company Makes Money
Ameris Bancorp makes money primarily through (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest income generated on interest-earning assets (primarily loans such as commercial and ind...
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
80
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.67B | 1.63B | 1.49B | 1.14B | 1.04B |
| Gross Profit | 1.14B | 1.05B | 899.85M | 976.89M | 1.03B |
| EBITDA | 533.76M | 522.59M | 402.87M | 506.72M | 544.04M |
| Net Income | 412.15M | 358.69M | 269.11M | 346.54M | 376.91M |
Balance Sheet | |||||
| Total Assets | 27.52B | 26.26B | 25.20B | 25.05B | 23.86B |
| Cash, Cash Equivalents and Short-Term Investments | 253.81M | 2.89B | 2.57B | 2.62B | 4.64B |
| Total Debt | 743.02M | 424.10M | 639.90M | 2.00B | 872.05M |
| Total Liabilities | 23.44B | 22.51B | 21.78B | 21.86B | 20.89B |
| Stockholders Equity | 4.08B | 3.75B | 3.43B | 3.20B | 2.97B |
Cash Flow | |||||
| Free Cash Flow | 369.64M | 140.72M | 551.43M | 1.05B | -16.31M |
| Operating Cash Flow | 390.18M | 154.19M | 568.96M | 1.06B | 9.14M |
| Investing Cash Flow | -1.30B | -846.68M | -338.19M | -4.87B | -420.98M |
| Financing Cash Flow | 781.16M | 745.56M | -181.59M | 865.53M | 2.36B |
Ameris Bancorp Technical Analysis
Positive
85.28
Price Trends
79.65
Positive
78.66
Positive
74.76
Positive
Market Momentum
1.67
Negative
72.19
Negative
81.48
Negative
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 above the 20-day moving average (MA) of 79.57, above the 50-day MA of 79.65, and above the 200-day MA of 74.76, indicating a bullish trend. The MACD of 1.67 indicates Negative momentum. The RSI at 72.19 is Negative, neither overbought nor oversold. The STOCH value of 81.48 is Negative, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $4.62B | 14.74 | 14.20% | 2.42% | 10.26% | 13.77% | |
78 Outperform | $5.82B | 11.96 | 10.81% | 1.02% | 0.65% | 17.91% | |
78 Outperform | $5.47B | 9.54 | 16.59% | ― | 2.93% | 6.16% | |
76 Outperform | $4.35B | 12.00 | 16.32% | 1.82% | 2.58% | 23.14% | |
69 Neutral | $5.39B | 10.37 | 0.03% | 3.83% | 60.27% | 7.08% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $5.51B | 27.58 | 9.35% | 2.74% | -5.16% | ― |
* Financial Sector Average
ABCB
Ameris Bancorp
85.25
25.44
42.53%
AX
Axos Financial
96.44
29.07
43.15%
FFIN
First Financial Bankshares
32.27
-1.59
-4.69%
HWC
Hancock Whitney
67.51
15.04
28.66%
AUB
Atlantic Union Bankshares
37.65
9.82
35.28%
SFBS
ServisFirst Bancshares
79.62
6.52
8.91%
Ameris Bancorp Corporate Events
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...
Executive/Board Changes
Ameris Bancorp Announces Retirement of Chief Strategy Officer
Neutral
Feb 24, 2026
Ameris Bancorp announced on February 24, 2026, that Corporate Executive Vice President and Chief Strategy Officer James A. LaHaise will retire effective April 30, 2026, after entering into a Retirement Agreement and Release on February 19, 2026. U...
Stock BuybackFinancial Disclosures
Ameris Bancorp Posts Record 2025 Earnings and Profitability
Positive
Jan 29, 2026
On January 29, 2026, Ameris Bancorp reported strong fourth-quarter and record full-year 2025 results, highlighted by fourth-quarter net income of $108.4 million, or $1.59 per diluted share, and a return on average assets of 1.57%, supported by a h...
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.