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Financial Services - Banks - Regional - NASDAQ - US
$ 61.67
-0.0329 %
$ 4.25 B
Market Cap
11.3
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ABCB stock under the worst case scenario is HIDDEN Compared to the current market price of 61.7 USD, Ameris Bancorp is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ABCB stock under the base case scenario is HIDDEN Compared to the current market price of 61.7 USD, Ameris Bancorp is HIDDEN

This DCF valuation model was last updated on Jun, 6, 2025.

The intrinsic value of one ABCB stock under the best case scenario is HIDDEN Compared to the current market price of 61.7 USD, Ameris Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ABCB

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$70.0$70.0$68.0$68.0$66.0$66.0$64.0$64.0$62.0$62.0$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.015 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '25
FINANCIALS
1.63 B REVENUE
56.63%
476 M OPERATING INCOME
16980.40%
359 M NET INCOME
33.29%
154 M OPERATING CASH FLOW
-72.90%
-847 M INVESTING CASH FLOW
-150.35%
746 M FINANCING CASH FLOW
510.57%
398 M REVENUE
41.46%
113 M OPERATING INCOME
-10.38%
15.7 M NET INCOME
-83.38%
0 OPERATING CASH FLOW
0.00%
348 K INVESTING CASH FLOW
100.75%
140 M FINANCING CASH FLOW
162.78%
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 209 M
Other Non-Current Assets 877 M
70.69 %5.65 %23.66 %Total Assets$3.7b
Current Liabilities 21.7 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 21.7 B
Non-Current Liabilities 424 M
Long-Term Debt 424 M
Other Non-Current Liabilities 0
98.09 %Total Liabilities$22.1b
EFFICIENCY
Earnings Waterfall Ameris Bancorp
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Revenue 1.63 B
Cost Of Revenue 588 M
Gross Profit 1.1 B
Operating Expenses 1.1 B
Operating Income 476 M
Other Expenses 117 M
Net Income 359 M
2b2b2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m002b(588m)1b(1b)476m(117m)359mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
67.60% GROSS MARGIN
67.60%
29.14% OPERATING MARGIN
29.14%
21.97% NET MARGIN
21.97%
1.38% ROE
1.38%
1.37% ROA
1.37%
-1.99% ROIC
-1.99%
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 -13.5 M
Stock-Based Compensation 13.4 M
Change in Working Capital 0
Others -206 M
Free Cash Flow 141 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 $67.3 , with forecasts ranging from a low of $64 to a high of $71 .
ABCB Lowest Price Target Wall Street Target
64 USD 3.78%
ABCB Average Price Target Wall Street Target
67.3 USD 9.18%
ABCB Highest Price Target Wall Street Target
71 USD 15.13%
Price
Max Price Target
Min Price Target
Average Price Target
7575707065656060555550504545Jul '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 '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
0.36% 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 14
6. Ownership
Insider Ownership Ameris Bancorp
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
559 K USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
57 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
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 July 7, 2025, to shareholders of record as of June 30, 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 select. businesswire.com - 1 week ago
Ameris Bancorp (ABCB) Upgraded to Buy: Here's Why Ameris Bancorp (ABCB) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 1 month ago
Ameris Bancorp (ABCB) Q1 2025 Earnings Call Transcript Ameris Bancorp (NYSE:ABCB ) Q1 2025 Earnings Conference Call April 29, 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 Stephen Scouten – Piper Sandler Russell Gunther – Stephens Manuel Navas – D.A. Davidson Christopher Marinac – Janney Montgomery Scott Operator Good day, and welcome to the Ameris Bancorp First Quarter Conference Call. seekingalpha.com - 1 month ago
Ameris Bancorp (ABCB) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates The headline numbers for Ameris Bancorp (ABCB) give insight into how the company performed in the quarter ended March 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 1 month ago
Ameris Bancorp (ABCB) Surpasses Q1 Earnings and Revenue Estimates Ameris Bancorp (ABCB) came out with quarterly earnings of $1.28 per share, beating the Zacks Consensus Estimate of $1.15 per share. This compares to earnings of $1.10 per share a year ago. zacks.com - 1 month ago
Ameris Bancorp Announces First Quarter 2025 Financial Results ATLANTA--(BUSINESS WIRE)--Ameris Bancorp (NYSE: ABCB) (the “Company”) today reported net income of $87.9 million, or $1.27 per diluted share, for the quarter ended March 31, 2025, compared with $74.3 million, or $1.08 per diluted share, for the quarter ended March 31, 2024. Commenting on the Company's results, Palmer Proctor, the Company's Chief Executive Officer, said, “Our first quarter performance showed a strong start for 2025 for Ameris. Results included 12.5% annualized tangible book valu. businesswire.com - 1 month ago
Unlocking Q1 Potential of Ameris Bancorp (ABCB): Exploring Wall Street Estimates for Key Metrics Beyond analysts' top -and-bottom-line estimates for Ameris Bancorp (ABCB), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended March 2025. zacks.com - 1 month ago
Ameris Bancorp (ABCB) Earnings Expected to Grow: Should You Buy? Ameris Bancorp (ABCB) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago
Ameris Bancorp (ABCB) Moves 8.3% Higher: Will This Strength Last? Ameris Bancorp (ABCB) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions could translate into further price increase in the near term. zacks.com - 2 months ago
Will Ameris Bancorp (ABCB) Beat Estimates Again in Its Next Earnings Report? Ameris Bancorp (ABCB) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report. zacks.com - 2 months ago
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 months 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 - 2 months ago
8. Profile Summary

Ameris Bancorp ABCB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 4.25 B
Dividend Yield 0.36%
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 2045
Officers Ms. Nicole S. Stokes CPA Corporate Executive Vice President & Chief Financial Officer Mr. H. Palmer Proctor Jr. Vice Chairman & Chief Executive Officer Mr. James Allan LaHaise III Corporate Executive Vice President & Chief Strategy Officer Mr. Jody L. Spencer Esq., J.D. Corporate Executive Vice President & Chief Legal Officer Mr. Ross L. Creasy Corporate Executive Vice President & Chief Information Officer Ross McWilliams Executive Vice President & Managing Director in Homebuilder Division Mr. James B. Miller Jr. Executive Chairman Mr. Lawton E. Bassett III Chief Banking Officer Mr. William D. McKendry Corporate Executive Vice President & Chief Risk Officer Mr. Douglas D. Strange Corporate EVice President & Chief Credit Officer