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Ameris Bancorp (ABCB) Ratios
Ameris Bancorp Ratios
ABCB's free cash flow for Q2 2026 was $70.81M. For the 2026 fiscal year, ABCB's free cash flow was decreased by $-8.61M and operating cash flow was $79.42M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.62 | 0.13 | 0.12 | 0.13 | 0.24 |
| Quick Ratio | 0.62 | 0.13 | 0.12 | 0.13 | 0.24 |
| Cash Ratio | 0.47 | 0.06 | 0.06 | 0.06 | 0.21 |
| Solvency Ratio | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.73 | 0.01 | 0.03 | 0.05 | 0.00 |
| Short-Term Operating Cash Flow Coverage | 0.73 | 0.00 | 0.00 | 0.00 | 1.56 |
| Net Current Asset Value | $ -23.11B | $ -19.62B | $ -19.21B | $ -19.24B | $ -16.25B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.02 | 0.03 | 0.08 | 0.04 |
| Debt-to-Equity Ratio | 0.18 | 0.11 | 0.19 | 0.63 | 0.29 |
| Debt-to-Capital Ratio | 0.15 | 0.10 | 0.16 | 0.39 | 0.23 |
| Long-Term Debt-to-Capital Ratio | 0.04 | 0.10 | 0.16 | 0.39 | 0.23 |
| Financial Leverage Ratio | 6.75 | 7.00 | 7.35 | 7.84 | 8.04 |
| Debt Service Coverage Ratio | 0.45 | 0.77 | 0.71 | 4.31 | 7.92 |
| Interest Coverage Ratio | 1.17 | 0.90 | 0.80 | 4.88 | 10.38 |
| Debt to Market Cap | 0.14 | 0.10 | 0.17 | 0.61 | 0.25 |
| Interest Debt Per Share | 17.54 | 13.85 | 15.73 | 30.30 | 13.25 |
| Net Debt to EBITDA | 0.85 | -1.52 | -1.31 | 1.75 | -5.83 |
| Profitability Margins | |||||
| Gross Profit Margin | 68.31% | 64.00% | 60.48% | 85.58% | 98.80% |
| EBIT Margin | 32.05% | 29.14% | 23.99% | 39.70% | 47.77% |
| EBITDA Margin | 34.35% | 32.00% | 27.08% | 44.39% | 52.38% |
| Operating Profit Margin | 32.05% | 29.14% | 23.99% | 39.70% | 47.77% |
| Pretax Profit Margin | 32.05% | 29.14% | 23.99% | 39.70% | 47.77% |
| Net Profit Margin | 24.75% | 21.97% | 18.09% | 30.36% | 36.29% |
| Continuous Operations Profit Margin | 24.75% | 21.97% | 18.09% | 30.36% | 36.29% |
| Net Income Per EBT | 77.22% | 75.38% | 75.39% | 76.48% | 75.97% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.50% | 1.37% | 1.07% | 1.38% | 1.58% |
| Return on Equity (ROE) | 10.11% | 9.56% | 7.85% | 10.84% | 12.71% |
| Return on Capital Employed (ROCE) | 1.98% | 10.48% | 7.94% | 8.10% | 11.85% |
| Return on Invested Capital (ROIC) | 1.50% | 7.90% | 5.99% | 6.20% | 8.99% |
| Return on Tangible Assets | 1.56% | 1.42% | 1.12% | 1.45% | 1.66% |
| Earnings Yield | 8.11% | 8.33% | 7.35% | 10.62% | 10.93% |
| Efficiency Ratios | |||||
| Receivables Turnover | 20.82 | 0.00 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 7.82 | 7.80 | 6.87 | 5.18 | 4.61 |
| Asset Turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.18 | -0.09 | -0.09 | -0.07 | -0.07 |
| Cash Conversion Cycle | 17.53 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Sales Outstanding | 17.53 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 17.53 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 5.70 | 2.24 | 8.25 | 15.35 | 0.13 |
| Free Cash Flow Per Share | 5.40 | 2.05 | 7.99 | 15.16 | -0.23 |
| Dividend Paid and CapEx Coverage Ratio | 5.15 | 2.81 | 9.61 | 19.26 | 0.14 |
| Capital Expenditure Coverage Ratio | 19.00 | 11.44 | 32.45 | 78.31 | 0.36 |
| Operating Cash Flow Coverage Ratio | 0.53 | 0.36 | 0.89 | 0.53 | 0.01 |
| Operating Cash Flow to Sales Ratio | 0.23 | 0.09 | 0.38 | 0.93 | 0.01 |
| Free Cash Flow Yield | 7.27% | 3.27% | 15.07% | 32.16% | -0.47% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 12.34 | 12.01 | 13.60 | 9.41 | 9.15 |
| Price-to-Sales (P/S) Ratio | 3.05 | 2.64 | 2.46 | 2.86 | 3.32 |
| Price-to-Book (P/B) Ratio | 1.25 | 1.15 | 1.07 | 1.02 | 1.16 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 13.75 | 30.60 | 6.64 | 3.11 | -211.51 |
| Price-to-Operating Cash Flow Ratio | 13.03 | 27.92 | 6.43 | 3.07 | 377.39 |
| Price-to-Earnings Growth (PEG) Ratio | 0.79 | 0.36 | -0.61 | -1.22 | 0.21 |
| Enterprise Value Multiple | 9.74 | 6.71 | 7.77 | 8.19 | 0.51 |
| Enterprise Value | 5.57B | 3.51B | 3.13B | 4.15B | 276.78M |
| EV to EBITDA | 9.74 | 6.71 | 7.77 | 8.19 | 0.51 |
| EV to Sales | 3.35 | 2.15 | 2.10 | 3.63 | 0.27 |
| EV to Free Cash Flow | 15.08 | 24.94 | 5.68 | 3.95 | -16.97 |
| EV to Operating Cash Flow | 14.28 | 22.76 | 5.50 | 3.90 | 30.28 |
| Tangible Book Value Per Share | 43.91 | 38.73 | 33.68 | 30.00 | 26.33 |
| Shareholders’ Equity Per Share | 59.55 | 54.52 | 49.68 | 46.21 | 42.72 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.25 | 0.25 | 0.24 | 0.24 |
| Revenue Per Share | 24.33 | 23.73 | 21.57 | 16.50 | 14.96 |
| Net Income Per Share | 6.02 | 5.21 | 3.90 | 5.01 | 5.43 |
| Tax Burden | 0.77 | 0.75 | 0.75 | 0.76 | 0.76 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.24 | 0.23 | 0.23 | 0.29 | 0.33 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 0.95 | 0.43 | 2.11 | 3.07 | 0.02 |
Currency in USD
