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Ameris Bancorp
(NYSE:ABCB)
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Rating:70Outperform
Price Target:
$91.00
â–²(7.10% Upside)
Action:Upgraded
Date:10/23/26
ABCB’s score is driven primarily by good underlying financial quality (profitable with strong recent free-cash-flow conversion) and a notably constructive earnings-call outlook (growth, efficiency improvements, strong capital/asset quality). The main offsets are recent margin/net-income softness and rising leverage in the financial statements, plus only neutral-to-soft technical signals (negative MACD and trading below key longer-term moving averages). Valuation is reasonable but not deeply compelling given the modest dividend yield.
Positive Factors
Core Deposit and Loan Growth
Organic growth in deposits and earning assets supports recurring net interest income while reducing reliance on externally sourced funding. The bank’s relationship-banking model and meaningful checking-account base provide a durable platform for continued loan growth and customer expansion.
Negative Factors
Deposit Competition May Compress Margins
Rising deposit pricing and possible migration from non-interest-bearing to interest-bearing accounts can increase funding costs faster than loan yields. Persistent competition would pressure net interest margin, limiting the earnings benefit from otherwise solid asset growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Core Deposit and Loan Growth
Organic growth in deposits and earning assets supports recurring net interest income while reducing reliance on externally sourced funding. The bank’s relationship-banking model and meaningful checking-account base provide a durable platform for continued loan growth and customer expansion.
Read all positive factors
Ameris Bancorp Key Performance Indicators (KPIs)
Any
Income Before Taxes by Segment
Reports pre-tax profit contributed by each business segment, before taxes and one-time items. Reveals which lines are most profitable or loss-making, highlights operational efficiency, and shows which businesses are driving return on equity or may need strategic changes.
Reports pre-tax profit contributed by each business segment, before taxes and one-time items. Reveals which lines are most profitable or loss-making, highlights operational efficiency, and shows which businesses are driving return on equity or may need strategic changes.
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The Fly
The FlyAmeris Bancorp (ABCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.55B
Dividend Yield0.97%
Average Volume (3M)521.77K
Price to Earnings (P/E)14.4
Beta (1Y)0.97
Revenue Growth3.39%
EPS Growth-1.12%
CountryUS
Employees2,673
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.54
Shares Outstanding67,107,240
10 Day Avg. Volume503,099
30 Day Avg. Volume521,771
Financial Highlights & Ratios
PEG Ratio0.79
Price to Book (P/B)1.25
Price to Sales (P/S)3.05
P/FCF Ratio13.75
Enterprise Value/Market Cap1.11
Enterprise Value/Revenue3.65
Enterprise Value/Gross Profit5.23
Enterprise Value/Ebitda11.99
Forecast
1Y Price Target
$91.80Price Target Upside8.04% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)6.63
Revenue Forecast (FY)$1.29B
Ameris Bancorp Business Overview & Revenue Model
Company Description
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 Divisio...
How the Company Makes Money
Ameris Bancorp primarily makes money through its banking operations. The core earnings engine is net interest income: the bank earns interest and fees on loans and other interest-earning assets (such as commercial loans, consumer loans, and real e...
Ameris Bancorp Earnings Call Summary
Earnings Call Date:Oct 22, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 28, 2027
Earnings Call Sentiment Positive
The call was strongly positive overall. Ameris reported record five-year EPS, solid profitability, continued mid-single-digit growth, an improved efficiency ratio, strong capital and reserve levels, and asset quality that management described as well above peer. The main challenges were mortgage production and revenue declines, deposit competition, possible margin compression, elevated CRE payoffs, and some normalization in credit metrics, but management characterized these issues as manageable and maintained a disciplined outlook for profitable growth.Positive Updates
Five-Year Record EPS and Strong Quarterly Profitability
Third-quarter net income was $116.1 million, or $1.73 per diluted share, representing a five-year record high EPS. Return on assets was 1.61%, PPNROA was 2.27%, and return on tangible common equity was 15.01%.
Negative Updates
Potential Net Interest Margin Compression
Management said some margin compression was possible over the next few quarters because of higher deposit costs and competition, with the margin expected to move up and down by a few basis points as conditions settle.
Read all updates
Q3-2026 Updates
Positive
Negative
Five-Year Record EPS and Strong Quarterly Profitability
Third-quarter net income was $116.1 million, or $1.73 per diluted share, representing a five-year record high EPS. Return on assets was 1.61%, PPNROA was 2.27%, and return on tangible common equity was 15.01%.
Read all positive updates
Company Guidance
Ameris projected loan and deposit growth in the mid-single digit range near term, with longer term deposit growth serving as the governor of loan growth, and said it expects net charge-offs in that 20-25 basis point range near term. The company anticipates ending the year around that 50% ratio for adjusted efficiency, while 2027 core expenses were described as probably somewhere in the $165 million to $169 million a quarter for the year; mortgage revenue is anticipated to be pretty consistent, maybe even down a little next year. Management said net interest income will continue to grow through earning asset growth, although some margin compression is possible over the next few quarters due to higher deposit costs and competition, with the margin expected to bump around a few basis points up and down for a few quarters.Ameris Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
71
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.70B | 1.67B | 1.63B | 1.49B | 1.14B | 1.04B |
| Gross Profit | 1.18B | 1.14B | 1.05B | 899.85M | 976.89M | 1.03B |
| EBITDA | 515.71M | 572.20M | 522.59M | 402.87M | 506.72M | 544.04M |
| Net Income | 376.32M | 412.15M | 358.69M | 269.11M | 346.54M | 376.91M |
Balance Sheet | ||||||
| Total Assets | 28.49B | 27.52B | 26.26B | 25.20B | 25.05B | 23.86B |
| Cash, Cash Equivalents and Short-Term Investments | 237.43M | 253.81M | 2.89B | 2.57B | 2.62B | 4.64B |
| Total Debt | 1.39B | 743.02M | 424.10M | 639.90M | 2.00B | 872.05M |
| Total Liabilities | 24.40B | 23.44B | 22.51B | 21.78B | 21.86B | 20.89B |
| Stockholders Equity | 4.09B | 4.08B | 3.75B | 3.43B | 3.20B | 2.97B |
Cash Flow | ||||||
| Free Cash Flow | 521.98M | 369.64M | 140.72M | 551.43M | 1.05B | -16.31M |
| Operating Cash Flow | 548.53M | 390.18M | 154.19M | 568.96M | 1.06B | 9.14M |
| Investing Cash Flow | -1.84B | -1.30B | -846.68M | -338.19M | -4.87B | -420.98M |
| Financing Cash Flow | 1.32B | 781.16M | 745.56M | -181.59M | 865.53M | 2.36B |
Ameris Bancorp Technical Analysis
Neutral
84.97
Price Trends
82.89
Negative
85.62
Negative
83.30
Negative
Market Momentum
-0.43
Negative
57.74
Neutral
90.09
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ABCB, the sentiment is Neutral. The current price of 84.97 is above the 20-day moving average (MA) of 80.10, above the 50-day MA of 82.89, and above the 200-day MA of 83.30, indicating a neutral trend. The MACD of -0.43 indicates Negative momentum. The RSI at 57.74 is Neutral, neither overbought nor oversold. The STOCH value of 90.09 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for ABCB.
Ameris Bancorp Risk Analysis
Ameris Bancorp disclosed 38 risk factors in its most recent earnings report. Ameris Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Ameris Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $6.02B | 12.19 | 10.95% | 2.86% | 2.37% | 5.57% | |
73 Outperform | $4.51B | 13.13 | 17.61% | 1.84% | 4.88% | 34.03% | |
72 Outperform | $3.25B | 20.22 | 5.61% | 2.26% | 23.80% | -3.35% | |
72 Outperform | $4.46B | 31.08 | 4.03% | 2.73% | -18.50% | -52.84% | |
70 Outperform | $5.55B | 14.42 | 9.44% | 0.97% | 3.39% | -1.12% | |
69 Neutral | $10.21B | 11.17 | 10.23% | 2.33% | 17.60% | 28.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
ABCB
Ameris Bancorp
82.63
8.96
12.16%
HOMB
Home Bancshares
30.10
3.56
13.42%
SBCF
Seacoast Banking Of Florida
33.56
2.88
9.37%
UCB
United Community Banks
36.99
7.83
26.85%
SFBS
ServisFirst Bancshares
41.22
6.45
18.54%
SSB
SouthState Corporation
105.51
17.30
19.61%
Ameris Bancorp Corporate Events
Business Operations and StrategyStock BuybackFinancial Disclosures
Ameris Bancorp Announces New $200 Million Share Repurchase
Positive
Oct 22, 2026
Ameris Bancorp reported strong financial performance for the third quarter of 2026, posting net income of $116.1 million, or $1.73 per diluted share, up from $106.0 million, or $1.54 per diluted share, a year earlier. Return on average assets reac...
Business Operations and StrategyStock BuybackFinancial DisclosuresLegal Proceedings
Ameris Bancorp Reports Solid Q2 2026 Results
Positive
Jul 23, 2026
Ameris Bancorp, a Southeast-focused regional bank, reported its second-quarter 2026 results on July 23, 2026, highlighting net income of $51.4 million, or $0.77 per diluted share, and adjusted net income of $107.3 million, or $1.60 per diluted sha...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.