Valuation dashboard for Ameris Bancorp (ABCB) with P/E 14.71, P/B 1.36, EV/EBITDA 12.5 and dividend yield 0.95%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
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.
What would it be worth at its usual multiples?
Versus its usual multiples: fairly priced · Current P/B 1.4× · Multiples range: $72.57 · $73.50.
At a P/B Kaplio accepts for its ROTCE 13.7 % (1.2×) $74 (-13 %); at its peers' median (1.2×) $73 (-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.
Analysis Summary
Ameris Bancorp reported revenue of $1.21B in the most recent fiscal year, growing at a 5-year CAGR of 2.7%. Net income reached $412.2M, with a 9.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 70.5%, operating margin 29.2%, net margin 22.7%.
At $84.12 (closing price, November 2, 2026), ABCB trades at a P/E of 14.71 and an ROE of 9.44%. Market capitalisation stands at $5.6B.
Balance sheet quality for ABCB: debt-to-equity ratio of 0.26, current ratio of 0.00 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 14.71 |
| Price / Book | 1.36 |
| EV / EBITDA | 12.5 |
| Dividend Yield | 0.95% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| ABCB | Ameris Bancorp | $5.6B | 14.71 | 1.36 | 9.4% |
| UBSI | United Bankshares, Inc. | $6.7B | 13.40 | 1.24 | 9.4% |
| HWC | Hancock Whitney Corporation | $5.9B | 14.75 | 1.40 | 9.3% |
| OZK | Bank OZK | $5.7B | 8.72 | 0.95 | 10.9% |
| FNB | F.N.B. Corporation | $6.5B | 10.85 | 0.96 | 8.9% |
| GBCI | Glacier Bancorp, Inc. | $6.5B | 18.71 | 1.50 | 8.1% |
| HOMB | Home Bancshares, Inc. | $6.1B | 12.42 | 1.32 | 11.0% |
| IFS | Intercorp Financial Services Inc. | $5.1B | 8.56 | 1.39 | 16.9% |
Price
| Price | $84.12 (closing price, November 2, 2026) |
| Market Cap | $5.6B |
| Exchange | NYSE |
| Country | US |
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% |
Related companies: UBSI · HWC · OZK · FNB · GBCI · HOMB · IFS · AUB
Explore sector: Financial Services · Banks - Regional
More sections of ABCB: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
Discover more: Weekly Radar: the S&P 500 through the Buffett and Lynch methods · Companies that pass the Buffett method · Companies that pass the Lynch method · Stocks that pass Graham's defensive investor test today · Investment Academy — learn to analyze stocks