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ABCB stock logo

ABCB

Ameris Bancorp

$85.03
-0.82
 (-0.96%)
Exchange:  NYSE
Market Cap:  5.722B
Shares Outstanding:  5.462M
Delayed data
Calculate ABCB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  H. Palmer Proctor
Full Time Employees:  2673
Address: 
3490 Piedmont Road N.E.
Atlanta
GA
30305
US
Website:  https://www.amerisbank.com
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. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including home improvement and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans; equipment finance loans; and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/07/24 — 2 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,487,9001,632,8971,665,560
Gross Profit899,8531,045,0101,137,714
EBITDA402,868522,588572,200
Operating Income356,935475,860533,764
Net Income269,105358,685412,154

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets25,203,69926,262,05027,515,879
Total Liabilities21,776,95222,510,52823,439,851
Total Stockholders Equity3,426,7473,751,5224,076,028
Total Debt639,901424,097692,341
Cash and Cash Equivalents1,167,3041,220,3770

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow568,959154,193187,188
Capital Expenditure-17,531-13,4770
Free Cash Flow551,428140,716187,188
Net Income269,105358,685412,154
Net Change in Cash49,17253,073-59,015

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)1,343,747.038Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)1,364,103.293Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)1,353,850.400Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)511,183.610Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)518,927.466Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)515,027.096Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)469,106.811Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)496,701.854Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)482,904.333Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)361,214.350Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)366,686.341Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)363,930.248Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)7.030Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)7.230Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)6.830Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)5Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)6Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.55B  ?P/S
 (TTM)
: 
3.42
?Net Income
 (TTM)
: 
358.685M  ?P/E
 (TTM)
: 
15.56
?Enterprise Value
 (TTM)
: 
6.949B  ?EV/FCF
 (TTM)
: 
13.31
?Dividend Yield
 (TTM)
: 
0.93%  ?Payout Ratio
 (TTM)
: 
14.57%
?ROE
 (TTM)
: 
9.26%  ?ROIC
 (TTM)
: 
1.32%
?Net Debt
 (TTM)
: 
232.52M  ?Debt/Equity
 (TTM)
: 
0.34
?P/B
 (TTM)
: 
1.41  ?Current Ratio
 (TTM)
: 
0.19

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
13.58Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

Strengths (preview)

  • Solid Financial Performance: Ameris Bancorp reported a strong net income of $109.8 million in Q2 2025, reflecting robust profitability. Key metrics such as revenue and operating income from the income statements indicate consistent operational efficiency, positioning the company favorably within its industry.
  • Positive Earnings Outlook: The Q2 2025 earnings call summary highlights management’s confidence in sustained growth, supported by strategic initiatives. This aligns with historical performance data (perf1y, perf5y) showing steady gains, suggesting resilience in the banking sector.
  • Healthy Balance Sheet Metrics: Balance sheet data indicates a strong liquidity position with significant cash and cash equivalents relative to total current liabilities (currentRatioTTM, quickRatioTTM). This financial stability supports operational flexibility and potential for future investments.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates ABCB intrinsic value between $20.70 – $29.97 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about ABCB valuation

Is Ameris Bancorp (ABCB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Ameris Bancorp (ABCB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is ABCB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ABCB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is ABCB’s P/E ratio?

You can see ABCB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for ABCB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is ABCB a good long-term investment?

Whether ABCB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

ABCB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.96
MARKETSnap

Trading Metrics:

Open: 85.23   Previous Close: 85.85
Day Low: 84.56   Day High: 85.42
Year Low: 68.8   Year High: 93.22
Price Avg 50: 88.81   Price Avg 200: 82.3
Volume: 56079   Average Volume: 491586

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ABCB full analysis

09/09/2025

Welcome to MARKETSNAP’s SWOT analysis for Ameris Bancorp, ticker ABCB! If you’re a long-term investor looking to build wealth and grow your portfolio, you’re in the right place. Today, we’re diving deep into Ameris Bancorp, a regional banking player that might not be a household name like some of the big Wall Street giants, but it’s definitely worth a closer look. Let’s break down what makes this company tick, analyze its recent performance, and explore the strengths, weaknesses, opportunities, and…

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See in Nexus

Relevant news

Countdown to Ameris Bancorp (ABCB) Q2 Earnings: A Look at Estimates Beyond Revenue and EPS
22-07-2026 10:16
Countdown to Ameris Bancorp (ABCB) Q2 Earnings: A Look at Estimates Beyond Revenue and EPS
What Makes Ameris Bancorp (ABCB) a New Buy Stock
14-05-2026 13:00
What Makes Ameris Bancorp (ABCB) a New Buy Stock
Ameris Bancorp (ABCB) Is Up 2.92% in One Week: What You Should Know
24-04-2026 13:01
Ameris Bancorp (ABCB) Is Up 2.92% in One Week: What You Should Know
Ameris Bancorp (ABCB) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
23-04-2026 20:00
Ameris Bancorp (ABCB) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
Can Ameris Bancorp (ABCB) Keep the Earnings Surprise Streak Alive?
08-04-2026 13:10
Can Ameris Bancorp (ABCB) Keep the Earnings Surprise Streak Alive?
Are You Looking for a Top Momentum Pick? Why Ameris Bancorp (ABCB) is a Great Choice
08-04-2026 13:00
Are You Looking for a Top Momentum Pick? Why Ameris Bancorp (ABCB) is a Great Choice

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