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Ameris Bancorp
(NYSE:ABCB)
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Rating:67Neutral
Price Target:
$87.00
▲(2.39% Upside)
Action:Downgraded
Date:10/23/26
ABCB scores as a moderately attractive setup driven mainly by solid underlying financial performance (profitability and strong recent free-cash-flow conversion) and a constructive earnings call focused on growth, efficiency, and capital strength. The score is held back by rising leverage and some recent earnings/margin softness, plus weaker technical momentum with the stock trading below key moving averages.
Positive Factors
Organic loan and earning-asset growth
Strong organic expansion in loans and earning assets supports recurring net interest income and demonstrates continued customer demand. The sizable pipeline and diversified production channels give Ameris a foundation for disciplined balance-sheet growth over the next several quarters.
Negative Factors
Rising leverage
The sharp increase in leverage makes the balance sheet more sensitive to any deterioration in earnings or credit conditions. Although capitalization remains adequate, higher debt can constrain financial flexibility and raise the burden of maintaining returns if profitability continues to soften.
Read all positive and negative factors
Positive Factors
Negative Factors
Organic loan and earning-asset growth
Strong organic expansion in loans and earning assets supports recurring net interest income and demonstrates continued customer demand. The sizable pipeline and diversified production channels give Ameris a foundation for disciplined balance-sheet growth over the next several quarters.
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.
Data provided by:
The Fly
The FlyAmeris Bancorp (ABCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$5.41B
Dividend Yield0.99%
Average Volume (3M)502.30K
Price to Earnings (P/E)14.6
Beta (1Y)0.98
Revenue Growth2.30%
EPS Growth-2.55%
CountryUS
Employees2,673
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.54
Shares Outstanding67,107,240
10 Day Avg. Volume438,909
30 Day Avg. Volume502,296
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 Cap1.33
Enterprise Value/Revenue4.25
Enterprise Value/Gross Profit6.09
Enterprise Value/Ebitda13.97
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:Jul 23, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Jan 28, 2027
Earnings Call Sentiment Positive
Overall the call was positive: Ameris reported strong core profitability, robust organic earning-asset and loan growth, solid capital levels, improving efficiency and stable credit metrics. The primary negatives were a sizeable $82.5 million litigation accrual that materially reduced reported earnings, some pressure on mortgage-related non-interest income, and potential near-term margin compression as deposit costs rise and brokered funding was used tactically. Management emphasizes disciplined, profitable growth and remains opportunistic on buybacks while maintaining strong capital and reserve coverage.Positive Updates
Strong Core Profitability
Adjusted ROA of 1.53%, adjusted PPNR ROA of 2.24%, and adjusted return on tangible common equity of 14.08% (quarter) demonstrating peer-leading profitability despite high capital levels.
Negative Updates
Large Litigation Accrual Impacting Reported Results
Recorded an $82.5 million litigation accrual related to a jury verdict in a California employment case (full accrual recorded despite intention to appeal), which materially impacted reported expenses and reported net income.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Core Profitability
Adjusted ROA of 1.53%, adjusted PPNR ROA of 2.24%, and adjusted return on tangible common equity of 14.08% (quarter) demonstrating peer-leading profitability despite high capital levels.
Read all positive updates
Company Guidance
Management guided to mid-single-digit loan and deposit growth for 2026, reaffirmed net charge-offs of 20–25 bps for the remainder of the year, and warned of slight margin compression—“a few” basis points per quarter—while noting asset-liability sensitivity is effectively neutral; key current metrics cited include NIM 3.88%, adjusted ROA 1.53%, adjusted PPNR ROA 2.24%, adjusted ROTCE 14.08%, adjusted efficiency ratio 50.4%, tangible book value $45.10, CET1 ~12.8% and TCE ~11%. They also highlighted funding and growth details: NIB at 30% of deposits, average deposits +4.4% annualized (ending deposits down ~$49M), average earning assets +8.5% annualized, loans +6% annualized, Q2 loan production $2.4B with a $2.7B pipeline, $240M of securities maturing in Q3 (expected to reprice ~75–90 bps), reserves at 1.62% (162; 1.86% including unfunded) and annualized NCOs ~20 bps, and capital actions including Q2 buybacks of $19M (YTD ~$93.8M, ~1.7% of shares) with ~$65.4M remaining authorization.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
83.02
Negative
85.64
Negative
83.27
Negative
Market Momentum
-0.67
Negative
56.63
Neutral
89.34
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 80.07, above the 50-day MA of 83.02, and above the 200-day MA of 83.27, indicating a neutral trend. The MACD of -0.67 indicates Negative momentum. The RSI at 56.63 is Neutral, neither overbought nor oversold. The STOCH value of 89.34 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 | $5.88B | 11.89 | 10.95% | 2.93% | 2.37% | 5.57% | |
73 Outperform | $4.33B | 12.67 | 17.61% | 1.91% | 4.88% | 34.03% | |
72 Outperform | $3.18B | 19.73 | 5.61% | 2.32% | 23.80% | -3.35% | |
72 Outperform | $4.28B | 30.13 | 4.03% | 2.82% | -18.50% | -52.84% | |
69 Neutral | $9.95B | 14.39 | 10.23% | 2.39% | 33.25% | 41.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $5.41B | 14.55 | 9.25% | 0.99% | 2.30% | -2.55% |
* Financial Sector Average
ABCB
Ameris Bancorp
80.62
8.86
12.35%
HOMB
Home Bancshares
29.37
2.99
11.32%
SBCF
Seacoast Banking Of Florida
32.76
3.34
11.37%
UCB
United Community Banks
35.85
6.89
23.80%
SFBS
ServisFirst Bancshares
39.79
5.09
14.66%
SSB
SouthState Corporation
102.78
15.06
17.17%
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.