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.
Is Ameris Bancorp stock overvalued or undervalued in 2026?
Ameris Bancorp (ABCB) trades at 14.4× earnings (P/E), against a median of 12.9× across the 321 financial services companies above $2bn in Kaplio's universe. At Kaplio's cap P/B for its ROTCE 13.7 % (1.3×) $80 (-3 %); at its peers' median (1.1×) $71 (-14 %).
Kaplio overview: Ameris Bancorp
Market cap $6B · 52 weeks $70 – $93 (12 % below the high) · P/E 14.4× · 2027 est. P/E 11.8× · Dividend 0.97 % · Next earnings February 4, 2027 · expected EPS $1.69 · Closing price, Oct 30 · accounts published Oct 22.
- Valuation: P/B 1.3× (fairly priced).
- Business: ROTCE 13.7 % (solid).
- Balance sheet: Capital/assets 14.8 % (solid).
- Earnings: 7 of 8 (on track).
What would it be worth at its usual multiples?
At Kaplio's cap P/B for its ROTCE 13.7 % (1.3×) $80 (-3 %); at its peers' median (1.1×) $71 (-14 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 3 of 4 pass
- P/B (Price / Book) 1.3×, borderline.
- ROA 1.4 %, passes.
- ROTCE 13.7 %, passes.
- Equity / Assets (Tier 1 proxy) 14.8 %, passes.
- Sustainable dividend yield 1.0 %, info.
Against its peers (reference peers) — Ameris Bancorp: P/E 14.4×; P/B 1.3×; ROE 9.4 %; $5.5B. Bank OZK (P/E 8.5×; P/B 0.9×; ROE 10.9 %; $5.5B), Atlantic Union Bankshares Corporation (P/E 10.7×; P/B 0.0×; ROE 0.0 %; $5.5B), Hancock Whitney Corporation (P/E 14.5×; P/B 1.4×; ROE 9.3 %; $5.8B).
Expensive or cheap against its last ten fiscal years?
P/B at each close: today 1.3× · median 1.3× · minimum 0.5× · maximum 3.1× · cheap below 1.1× · expensive above 2.0×. It has been cheaper than today 61% of the time over its last ten fiscal years.
Dividend
tight (only raised recently) · Yield 0.97 % ($0.81 per share in 2025) · Years raising it 1 · 5-year growth +6 % a year · Free cash flow coverage payout 13 % · With $1,000 invested today you'd collect $9.70 a year ($0.81 a month).
Profitability
| Return on Equity | 9.44% |
| Return on Invested Capital | 1.35% |
| Return on Assets | 1.35% |
| Gross Margin | 70.51% |
| Operating Margin | 29.23% |
| Net Margin | 22.66% |
Financial Health
| Debt / Equity | 0.26 |
| Current Ratio | 0.00 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.36 |
Price Performance
| 1 month | +1.20% |
| 3 months | -7.88% |
| Year-to-date | +10.97% |
| 1 year | +15.08% |
| 3 years | +96.99% |
| 5 years | +51.81% |
| 10 years | +128.31% |
Dividend History
Paid in the last 12 months: $0.80 per share in 4 payments.
| Date | Amount |
|---|---|
| September 30, 2026 | $0.20 |
| June 30, 2026 | $0.20 |
| March 31, 2026 | $0.20 |
| December 31, 2025 | $0.20 |
| September 30, 2025 | $0.20 |
| June 30, 2025 | $0.20 |
| March 31, 2025 | $0.20 |
| December 31, 2024 | $0.20 |
| September 30, 2024 | $0.15 |
| June 28, 2024 | $0.15 |
Amounts adjusted for stock splits.
Related companies: UBSI · HWC · OZK · FNB · GBCI · HOMB · IFS · AUB
Explore sector: Financial Services · Banks - Regional
More sections of ABCB: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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