Ameris Bancorp (ABCB) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, interest-bearing savings, money market, individual retirement, and certificates of deposit accounts.
Analysis Summary
Ameris Bancorp reported revenue of $1.67B in the most recent fiscal year, growing at a 5-year CAGR of 7.7%. Net income reached $412.2M, with a 9.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 69.7%, operating margin 28.6%, net margin 22.2%. Free cash flow grew at -13.9% CAGR over 5 years.
At the current price of $83.61, ABCB trades at a P/E of 15.14 and an ROE of 9.25%. Market capitalisation stands at $5.6B.
Balance sheet quality for ABCB: current ratio of 0.6, net debt of $489.2M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is decent: free cash flow of $369.6M represents 90% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $83.61 |
| Market Cap | $5.6B |
| Exchange | NYSE |
| Country | US |
Valuation Ratios
| P/E Ratio | 15.14 |
| Price / Book | 1.37 |
| EV / EBITDA | 12.78 |
| Dividend Yield | 0.95% |
Profitability
| Return on Equity | 9.25% |
| Return on Invested Capital | 1.32% |
| Return on Assets | 1.32% |
| Gross Margin | 69.74% |
| Operating Margin | 28.59% |
| Net Margin | 22.19% |
Financial Health
| Debt / Equity | 0.34 |
| Current Ratio | 0.19 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| ABCB | Ameris Bancorp | $5.6B | 15.14 | 1.37 | 9.3% |
| HWC | Hancock Whitney Corporation | $6.1B | 14.74 | 1.39 | 9.6% |
| FNB | F.N.B. Corporation | $6.4B | 10.56 | 0.92 | |
| GBCI | Glacier Bancorp, Inc. | $6.0B | 18.32 | 1.37 | 7.6% |
| HOMB | Home Bancshares, Inc. | $6.0B | 12.19 | 1.29 | 11.0% |
| IFS | Intercorp Financial Services Inc. | $6.1B | 9.74 | 1.58 | 16.9% |
| AUB | Atlantic Union Bankshares Corporation | $5.6B | 11.82 | 1.09 | 9.7% |
| AVAL | Grupo Aval Acciones y Valores S.A. | $6.3B | 11.39 | 1.09 | 9.5% |
Price Performance
| 1 month | -5.08% |
| 3 months | -4.42% |
| Year-to-date | +12.72% |
| 1 year | +12.91% |
| 3 years | +115.55% |
| 5 years | +75.04% |
52-Week Range
| 52-week High | $93.22 |
| 52-week Low | $68.80 |
| Avg Volume (90d) | 453K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-06-30 | $0.2000 | 0.96% |
| 2026-03-31 | $0.2000 | 0.96% |
| 2025-12-31 | $0.2000 | 0.96% |
| 2025-09-30 | $0.2000 | 0.96% |
| 2025-06-30 | $0.2000 | 0.96% |
| 2025-03-31 | $0.2000 | 0.96% |
| 2024-12-31 | $0.2000 | 0.96% |
| 2024-09-30 | $0.1500 | 0.72% |
| 2024-06-28 | $0.1500 | 0.72% |
| 2024-03-27 | $0.1500 | 0.72% |
Related companies: AUB · AVAL · AX · FNB · GBCI · HOMB · HWC
Explore sector: Financial Services · Banks - Regional
More sections of ABCB: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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