Skip to content
Company Analysis

Ameris Bancorp ABCB

A comprehensive view of key metrics, scores, and financial health for Ameris Bancorp

Overview of Ameris Bancorp

ABCB NYQ
Financial Services Banks - Regional Mid Cap
Ameris Bancorp (ABCB), is a Mid Cap company, in the Banks - Regional industry, last closed at $85.66, about 34.4% overvalued vs fair value, +46.2% 1Y return, ranked 571/1037 in sector.
Metrics Rev Growth 50.9% ROE 10.5% Gross Margin 68.3%
$85.66
0.63%
As of April 28, 2026
Previous close • Vol 90d: 24.9%
52-Week Range
Market Cap
$5.81B
Enterprise Value
$5.46B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.amerisbank.com
HQ Atlanta, GA
Employees 2,673
Fiscal year Dec 31

Next Events

Dividend Apr 6 Ex-div: Mar 31
Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$31
$56
$105
Current: $85.66 -34% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.4B
7.6%%
Interest Expense
$457.6M
Net Interest Income
$849.2M
1.7%%
Total Revenue
$1.7B
50.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.6%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$49.4M
13.8% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Ameris Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
66
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
66
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing ABCB's balance between Growth (39.0%), Profitability (38.8%), and Safety (22.3%). Growth 39% Safety 22% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

61th percentile vs peers
62
Key Signals
Asset Growth YoY 4.8% 55p NII Growth YoY 1.7% 51p EPS Growth YoY 33.4% 83p Equity Growth YoY 9.5% 67p
Strengths
  • EPS Growth YoY in top 20% of peers (33.4%, 83th percentile)
  • ROA in top 20% of peers (1.4%, 84th percentile)
  • Equity/Assets in top 20% of peers (14.8%, 89th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks

No significant risks identified for this axis.

Profitability

61th percentile vs peers
62
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

35th percentile vs peers
35
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Ameris Bancorp.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$56.23
- - -
-34.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info