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Financial Services - Banks - Regional - NASDAQ - US
$ 66.6
1.05 %
$ 4.59 B
Market Cap
11.62
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one ABCB stock under the worst case scenario is HIDDEN Compared to the current market price of 66.6 USD, Ameris Bancorp is HIDDEN

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one ABCB stock under the base case scenario is HIDDEN Compared to the current market price of 66.6 USD, Ameris Bancorp is HIDDEN

This DCF valuation model was last updated on Aug, 5, 2025.

The intrinsic value of one ABCB stock under the best case scenario is HIDDEN Compared to the current market price of 66.6 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 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 JulAug '25Aug '25
FINANCIALS
1.63 B REVENUE
9.75%
476 M OPERATING INCOME
33.32%
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%
170 M REVENUE
-56.26%
-126 M OPERATING INCOME
-111.47%
87.9 M NET INCOME
-6.82%
117 M OPERATING CASH FLOW
-10.46%
-185 M INVESTING CASH FLOW
-299.63%
140 M FINANCING CASH FLOW
162.78%
Balance Sheet Ameris Bancorp
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Current Assets 2.89 B
Cash & Short-Term Investments 2.89 B
Receivables 0
Other Current Assets 0
Non-Current Assets 23.4 B
Long-Term Investments 21.2 B
PP&E 209 M
Other Non-Current Assets 2 B
11.01 %80.58 %7.61 %Total Assets$26.3b
Current Liabilities 21.7 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 21.7 B
Non-Current Liabilities 788 M
Long-Term Debt 424 M
Other Non-Current Liabilities 364 M
96.50 %Total Liabilities$22.5b
EFFICIENCY
Earnings Waterfall Ameris Bancorp
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Revenue 1.63 B
Cost Of Revenue 588 M
Gross Profit 1.05 B
Operating Expenses 569 M
Operating Income 476 M
Other Expenses 117 M
Net Income 359 M
2b2b2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m002b(588m)1b(569m)476m(117m)359mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
64.00% GROSS MARGIN
64.00%
29.14% OPERATING MARGIN
29.14%
21.97% NET MARGIN
21.97%
9.56% ROE
9.56%
1.37% ROA
1.37%
7.90% ROIC
7.90%
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 -19.9 M
Others -233 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 $73 , with forecasts ranging from a low of $67 to a high of $81 .
ABCB Lowest Price Target Wall Street Target
67 USD 0.60%
ABCB Average Price Target Wall Street Target
73 USD 9.61%
ABCB Highest Price Target Wall Street Target
81 USD 21.62%
Price
Max Price Target
Min Price Target
Average Price Target
85858080757570706565606055555050Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.2 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.050.050.10.10.10.150.150.150.150.150.20.050.050.10.10.10.150.150.150.150.150.20.050.10.10.10.150.150.150.150.150.150.050.200.10.300.10.400.10.400.150.500.150.600.150.600.150.600.150.600.20.650.402015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
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 (ABCB) Q2 2025 Earnings Call Transcript Ameris Bancorp (NYSE:ABCB ) Q2 2025 Earnings Conference Call July 29, 2025 9:00 AM ET Company Participants H. Palmer Proctor - Vice Chairman & CEO Nicole S. seekingalpha.com - 1 week ago
Ameris Bancorp Posts 36% EPS Jump in Q2 Ameris Bancorp Posts 36% EPS Jump in Q2 fool.com - 1 week ago
Ameris Bancorp (ABCB) Reports Q2 Earnings: What Key Metrics Have to Say While the top- and bottom-line numbers for Ameris Bancorp (ABCB) give a sense of how the business performed in the quarter ended June 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 1 week ago
Ameris Bancorp (ABCB) Q2 Earnings and Revenues Beat Estimates Ameris Bancorp (ABCB) came out with quarterly earnings of $1.59 per share, beating the Zacks Consensus Estimate of $1.35 per share. This compares to earnings of $1.17 per share a year ago. zacks.com - 1 week ago
Ameris Bancorp Announces Second Quarter 2025 Financial Results ATLANTA--(BUSINESS WIRE)--Ameris Bancorp (NYSE: ABCB) (the “Company”) today reported net income of $109.8 million, or $1.60 per diluted share, for the quarter ended June 30, 2025, compared with $90.8 million, or $1.32 per diluted share, for the quarter ended June 30, 2024. For the year-to-date period ending June 30, 2025, the Company reported net income of $197.8 million, or $2.87 per diluted share, compared with $165.1 million, or $2.39 per diluted share, for the same period in 2024. Commentin. businesswire.com - 1 week ago
Ameris Bancorp: A Respectful Downgrade After A Great Run Ameris Bancorp has outperformed the market since my October 2023 "Buy" rating, but shares are now fairly valued after a 77% run-up. Fundamentals remain solid: deposit growth, rising securities, lower debt, and increasing profits, but asset quality and deposit mix raise some concerns. Valuation multiples are above my preferred thresholds, making the stock less attractive despite being cheaper than most peers on a relative basis. seekingalpha.com - 1 week ago
Are You Looking for a Top Momentum Pick? Why Ameris Bancorp (ABCB) is a Great Choice Does Ameris Bancorp (ABCB) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 4 weeks ago
Ameris Bancorp to Announce Second Quarter 2025 Earnings on July 28, 2025 ATLANTA--(BUSINESS WIRE)--Ameris Bancorp (NYSE: ABCB) (the “Company”) announced today that it intends to release its second quarter 2025 financial results in a press release after the market closes on Monday, July 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, July 29, 2025 to discuss the Company's results and answer appropriate qu. businesswire.com - 1 month 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 - 1 month ago
Ameris Bank Expands Down Payment Assistance to Promote Homeownership ATLANTA--(BUSINESS WIRE)--Ameris Bank is supporting first-time homebuyers with the expansion of its Ameris Choice homebuyer assistance program. Building on the success of its initial offering in Jacksonville, Florida, the expanded program now reaches additional communities across the Southeast, offering up to $7,500 in down payment assistance to qualified applicants in multiple markets. The program is now available to first-time homebuyers purchasing a primary residence located within specific. businesswire.com - 1 month ago
Ameris Bank Opens New Branch in Downtown Jacksonville ATLANTA--(BUSINESS WIRE)--Ameris Bank opened a new branch at 200 W. Forsyth Street in the heart of downtown Jacksonville today, expanding its service to the city with retail banking, business banking and mortgage lending. Ameris has completed an extensive renovation of the ground floor to modernize the 5,250-square foot space. The new location employs more than 10 people, bringing a total of more than 330 Ameris employees to metro Jacksonville. “Our investment in the new branch demonstrates our. businesswire.com - 1 month 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 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 - 2 months ago
8. Profile Summary

Ameris Bancorp ABCB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 4.59 B
Dividend Yield 0.00%
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