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ABCB stock logo

ABCB

Ameris Bancorp

$78.4
-0.1
 (-0.13%)
Exchange:  NYSE
Market Cap:  5.356B
Shares Outstanding:  5.462M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  H. Palmer Proctor Jr.
Full Time Employees:  2045
Address: 
3490 Piedmont Road NE
Atlanta
GA
30305
US
Website:  https://www.amerisbank.com
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 165 full service domestic banking offices and 35 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.

2026/01/30 — 4 quarter 2025

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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
EBITDA402,868522,588533,764
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 Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,333,866.763Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,404,602.121Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,364,181.917Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)501,268.682Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)527,851.112Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)512,661.152Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)449,931.677Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)511,754.633Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)466,484.570Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)358,558.421Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)377,572.883Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)366,707.476Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)6.990Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)7.450Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)6.550Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)5Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)6Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.55B  ?P/S
 (TTM)
: 
3.55
?Net Income
 (TTM)
: 
358.685M  ?P/E
 (TTM)
: 
14.07
?Enterprise Value
 (TTM)
: 
6.311B  ?EV/FCF
 (TTM)
: 
17.07
?Dividend Yield
 (TTM)
: 
0.01  ?Payout Ratio
 (TTM)
: 
0.13
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
232.52M  ?Debt/Equity
 (TTM)
: 
0.18
?P/B
 (TTM)
: 
1.42  ?Current Ratio
 (TTM)
: 
0.62

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
12.52Full AccessFull AccessFull AccessFull 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.


Calculate ABCB Intrinsic Value

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

-0.13
Chart data temporarily unavailable.
Daily snapshot

Trading Metrics:

Open: 77.22   Previous Close: 78.5
Day Low: 77.05   Day High: 78.52
Year Low: 48.27   Year High: 87.98
Price Avg 50: 79.57   Price Avg 200: 74.16
Volume: 302097   Average Volume: 574593

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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

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?
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Ameris Bancorp (ABCB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
29-01-2026 20:00
Ameris Bancorp (ABCB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

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