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Financial Services - Banks - Regional - NASDAQ - US
$ 50.88
0.138 %
$ 3.51 B
Market Cap
9.8
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ABCB stock under the worst case scenario is HIDDEN Compared to the current market price of 50.9 USD, Ameris Bancorp is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ABCB stock under the base case scenario is HIDDEN Compared to the current market price of 50.9 USD, Ameris Bancorp is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ABCB stock under the best case scenario is HIDDEN Compared to the current market price of 50.9 USD, Ameris Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ABCB

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$75.0$75.0$70.0$70.0$65.0$65.0$60.0$60.0$55.0$55.0$50.0$50.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.1 B REVENUE
-23.74%
0 OPERATING INCOME
0.00%
359 M NET INCOME
33.29%
134 M OPERATING CASH FLOW
-76.46%
-24 K INVESTING CASH FLOW
99.99%
-157 M FINANCING CASH FLOW
13.38%
281 M REVENUE
2.16%
-262 M OPERATING INCOME
0.00%
94.4 M NET INCOME
-4.87%
131 M OPERATING CASH FLOW
27.73%
-46.3 M INVESTING CASH FLOW
-66.06%
-223 M FINANCING CASH FLOW
-27.27%
Balance Sheet Ameris Bancorp
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Current Assets 2.62 B
Cash & Short-Term Investments 2.62 B
Receivables 0
Other Current Assets 0
Non-Current Assets 1.09 B
Long-Term Investments 0
PP&E 0
Other Non-Current Assets 1.09 B
70.69 %29.31 %Total Assets$3.7b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 424 M
Long-Term Debt 424 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$424.1m
EFFICIENCY
Earnings Waterfall Ameris Bancorp
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Revenue 1.1 B
Cost Of Revenue 0
Gross Profit 1.1 B
Operating Expenses 1.1 B
Operating Income 0
Other Expenses -359 M
Net Income 359 M
1b1b1b1b800m800m600m600m400m400m200m200m001b01b(1b)0359m359mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
32.50% NET MARGIN
32.50%
1.38% ROE
1.38%
1.37% ROA
1.37%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Ameris Bancorp
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2b2b1b1b500m500m00(500m)(500m)(1b)(1b)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 359 M
Depreciation & Amortization 46.7 M
Capital Expenditures 0
Stock-Based Compensation 13.4 M
Change in Working Capital 0
Others -245 M
Free Cash Flow 134 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Ameris Bancorp
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Wall Street analysts predict an average 1-year price target for ABCB of $64.8 , with forecasts ranging from a low of $57 to a high of $71 .
ABCB Lowest Price Target Wall Street Target
57 USD 12.03%
ABCB Average Price Target Wall Street Target
64.8 USD 27.26%
ABCB Highest Price Target Wall Street Target
71 USD 39.54%
Price
Max Price Target
Min Price Target
Average Price Target
7575707065656060555550504545May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.24% DIVIDEND YIELD
0.2 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.050.050.10.10.10.150.150.150.150.150.20.050.050.10.10.10.150.150.150.150.150.050.10.10.10.150.150.150.150.150.150.050.200.10.300.10.400.10.400.150.500.150.600.150.600.150.600.150.600.20.650.202015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership Ameris Bancorp
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
559 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
57 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Ameris Bancorp to Announce First Quarter 2025 Earnings on April 28, 2025 ATLANTA--(BUSINESS WIRE)--Ameris Bancorp (NYSE: ABCB) (the “Company”) announced today that it intends to release its first quarter 2025 financial results in a press release after the market closes on Monday, April 28, 2025. H. Palmer Proctor, Jr., Chief Executive Officer, Nicole S. Stokes, Chief Financial Officer, and Douglas D. Strange, Chief Credit Officer, will host a teleconference at 9:00 a.m. Eastern time on Tuesday, April 29, 2025 to discuss the Company's results and answer appropriate q. businesswire.com - 2 weeks ago
Ameris Bancorp Announces Quarterly Dividend ATLANTA--(BUSINESS WIRE)--The board of directors of Ameris Bancorp (NYSE: ABCB) (the “Company”) has declared a dividend of $0.20 per share of the Company's common stock, payable on April 7, 2025, to shareholders of record as of March 31, 2025. About Ameris Bancorp Ameris Bancorp is the parent of Ameris Bank, a state-chartered bank headquartered in Atlanta, Georgia. Ameris operates 164 financial centers across the Southeast and also serves consumer and business customers nationwide through selec. businesswire.com - 1 month ago
Is the Options Market Predicting a Spike in Ameris Bancorp (ABCB) Stock? Investors need to pay close attention to Ameris Bancorp (ABCB) stock based on the movements in the options market lately. zacks.com - 1 month ago
Ameris Bancorp (ABCB) Q4 2024 Earnings Call Transcript Ameris Bancorp (NYSE:ABCB ) Q4 2024 Earnings Conference Call January 31, 2025 9:00 AM ET Company Participants Nicole Stokes - Chief Financial Officer Palmer Proctor - Chief Executive Officer Doug Strange - Chief Credit Officer Conference Call Participants Catherine Mealor - KBW David Feaster - Raymond James Russell Gunther - Stephens Christopher Marinac - Janney Montgomery Scott Manuel Navas - D.A. Davidson Operator Good day, and welcome to the Ameris Bancorp Fourth Quarter Conference Call. seekingalpha.com - 2 months ago
Compared to Estimates, Ameris Bancorp (ABCB) Q4 Earnings: A Look at Key Metrics The headline numbers for Ameris Bancorp (ABCB) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
Ameris Bancorp (ABCB) Q4 Earnings and Revenues Surpass Estimates Ameris Bancorp (ABCB) came out with quarterly earnings of $1.38 per share, beating the Zacks Consensus Estimate of $1.20 per share. This compares to earnings of $1.07 per share a year ago. zacks.com - 2 months ago
Ameris Bancorp Announces Fourth Quarter and Full Year 2024 Financial Results ATLANTA--(BUSINESS WIRE)--Ameris Bancorp (NYSE: ABCB) (the “Company”) today reported net income of $94.4 million, or $1.37 per diluted share, for the quarter ended December 31, 2024, compared with $65.9 million, or $0.96 per diluted share, for the quarter ended December 31, 2023. Excluding gain on sale of mortgage servicing rights (MSR), FDIC special assessment, natural disaster expenses and gain/loss of bank premises, adjusted net income(1) was $95.1 million, or $1.38 per diluted share, for th. businesswire.com - 2 months ago
Ameris Bank Boosts Commercial Banking with Key New Hires in Southeast Markets ATLANTA--(BUSINESS WIRE)--Ameris Bank is announcing several recent new hires and appointments among its Commercial Banking team in high growth Southeast markets. Tampa: John Krusoe has joined Ameris as the new Tampa market president, reporting to Ameris Florida State President Emily Dawkins. Krusoe brings a wealth of senior leadership experience in corporate banking, capital markets and strategic planning and has provided advisory services to a range of financial, health care and commercial rea. businesswire.com - 2 months ago
Ameris Bancorp Named to Forbes' List of America's Best Companies ATLANTA--(BUSINESS WIRE)--Ameris Bancorp (NYSE: ABCB) has been recognized on Forbes' list of America's Best Companies 2025. This inaugural Forbes list is developed from a comprehensive analysis of more than 60 metrics including customer sentiment, public trust, cybersecurity, employee satisfaction, workforce stability and financial strength. “This award is a testament to our team for maintaining a relentless commitment to an excellent customer experience while achieving high performance metrics. businesswire.com - 3 months ago
Ameris Bancorp to Announce Fourth Quarter 2024 Earnings on January 30, 2025 ATLANTA--(BUSINESS WIRE)--Ameris Bancorp (NYSE: ABCB) (the “Company”) announced today that it intends to release its fourth quarter and full year 2024 financial results in a press release after the market closes on Thursday, January 30, 2025. H. Palmer Proctor, Jr., Chief Executive Officer, Nicole S. Stokes, Chief Financial Officer, and Douglas D. Strange, Chief Credit Officer, will host a teleconference at 9:00 a.m. Eastern time on Friday, January 31, 2025 to discuss the Company's results and. businesswire.com - 3 months ago
Ameris Bancorp (ABCB) Loses -9.76% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner The heavy selling pressure might have exhausted for Ameris Bancorp (ABCB) as it is technically in oversold territory now. In addition to this technical measure, strong agreement among Wall Street analysts in revising earnings estimates higher indicates that the stock is ripe for a trend reversal. zacks.com - 3 months ago
Ameris Bancorp (ABCB) Upgraded to Buy: Here's What You Should Know Ameris Bancorp (ABCB) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 3 months ago
8. Profile Summary

Ameris Bancorp ABCB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 3.51 B
Dividend Yield 0.24%
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.
Contact 3490 Piedmont Road NE, Atlanta, GA, 30305 https://www.amerisbank.com
IPO Date May 19, 1994
Employees 2691
Officers Mr. James Allan LaHaise III Corporate Executive Vice President & Chief Strategy Officer Mr. William D. McKendry Corporate Executive Vice President & Chief Risk Officer Mr. Lawton E. Bassett III Chief Banking Officer Mr. Jody L. Spencer Esq., J.D. Corporate Executive Vice President & Chief Legal Officer Ross McWilliams Executive Vice President & Managing Director in Homebuilder Division Ms. Nicole S. Stokes CPA Corporate Executive Vice President & Chief Financial Officer Mr. Ross L. Creasy Corporate Executive Vice President & Chief Information Officer Mr. Douglas D. Strange Corporate EVice President & Chief Credit Officer Mr. H. Palmer Proctor Jr. Vice Chairman & Chief Executive Officer Mr. James B. Miller Jr. Executive Chairman