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AMERIS BANCORP (ABCB) Stock Fundamental Analysis

NYSE:ABCB - New York Stock Exchange, Inc. - US03076K1088 - Common Stock - Currency: USD

66.81  +0.5 (+0.75%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ABCB. ABCB was compared to 395 industry peers in the Banks industry. ABCB has only an average score on both its financial health and profitability. ABCB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year ABCB was profitable.
In the past year ABCB had a positive cash flow from operations.
ABCB had positive earnings in each of the past 5 years.
In the past 5 years ABCB always reported a positive cash flow from operatings.
ABCB Yearly Net Income VS EBIT VS OCF VS FCFABCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.40%, ABCB belongs to the top of the industry, outperforming 87.85% of the companies in the same industry.
With a decent Return On Equity value of 9.74%, ABCB is doing good in the industry, outperforming 64.05% of the companies in the same industry.
Industry RankSector Rank
ROA 1.4%
ROE 9.74%
ROIC N/A
ROA(3y)1.27%
ROA(5y)1.34%
ROE(3y)9.42%
ROE(5y)10.17%
ROIC(3y)N/A
ROIC(5y)N/A
ABCB Yearly ROA, ROE, ROICABCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

ABCB's Profit Margin of 32.07% is amongst the best of the industry. ABCB outperforms 86.08% of its industry peers.
ABCB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for ABCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 32.07%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.26%
PM growth 5Y6.47%
GM growth 3YN/A
GM growth 5YN/A
ABCB Yearly Profit, Operating, Gross MarginsABCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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4

2. Health

2.1 Basic Checks

ABCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ABCB remains at a similar level compared to 1 year ago.
The number of shares outstanding for ABCB has been reduced compared to 5 years ago.
ABCB has a better debt/assets ratio than last year.
ABCB Yearly Shares OutstandingABCB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
ABCB Yearly Total Debt VS Total AssetsABCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

ABCB has a debt to FCF ratio of 1.36. This is a very positive value and a sign of high solvency as it would only need 1.36 years to pay back of all of its debts.
ABCB's Debt to FCF ratio of 1.36 is fine compared to the rest of the industry. ABCB outperforms 64.56% of its industry peers.
ABCB has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
ABCB has a Debt to Equity ratio of 0.08. This is in the better half of the industry: ABCB outperforms 75.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.36
Altman-Z N/A
ROIC/WACCN/A
WACC16.12%
ABCB Yearly LT Debt VS Equity VS FCFABCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ABCB Yearly Current Assets VS Current LiabilitesABCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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5

3. Growth

3.1 Past

ABCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.88%, which is quite impressive.
The Earnings Per Share has been growing slightly by 5.77% on average over the past years.
Looking at the last year, ABCB shows a small growth in Revenue. The Revenue has grown by 7.76% in the last year.
Measured over the past years, ABCB shows a quite strong growth in Revenue. The Revenue has been growing by 10.19% on average per year.
EPS 1Y (TTM)22.88%
EPS 3Y-2.4%
EPS 5Y5.77%
EPS Q2Q%16.36%
Revenue 1Y (TTM)7.76%
Revenue growth 3Y3.82%
Revenue growth 5Y10.19%
Sales Q2Q%6.96%

3.2 Future

The Earnings Per Share is expected to grow by 8.34% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.57% on average over the next years.
EPS Next Y8.18%
EPS Next 2Y8.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.97%
Revenue Next 2Y6.57%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ABCB Yearly Revenue VS EstimatesABCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
ABCB Yearly EPS VS EstimatesABCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.82, ABCB is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as ABCB.
ABCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
Based on the Price/Forward Earnings ratio of 11.32, the valuation of ABCB can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ABCB indicates a slightly more expensive valuation: ABCB is more expensive than 61.01% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of ABCB to the average of the S&P500 Index (21.70), we can say ABCB is valued slightly cheaper.
Industry RankSector Rank
PE 12.82
Fwd PE 11.32
ABCB Price Earnings VS Forward Price EarningsABCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ABCB is valued a bit more expensive than the industry average as 72.91% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 19.2
EV/EBITDA N/A
ABCB Per share dataABCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

ABCB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.57
PEG (5Y)2.22
EPS Next 2Y8.34%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.23%, ABCB has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.23, ABCB pays less dividend than the industry average, which is at 3.47. 80.25% of the companies listed in the same industry pay a better dividend than ABCB!
With a Dividend Yield of 1.23, ABCB pays less dividend than the S&P500 average, which is at 2.42.
Industry RankSector Rank
Dividend Yield 1.23%

5.2 History

On average, the dividend of ABCB grows each year by 7.29%, which is quite nice.
ABCB has paid a dividend for at least 10 years, which is a reliable track record.
ABCB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.29%
Div Incr Years1
Div Non Decr Years10
ABCB Yearly Dividends per shareABCB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

12.12% of the earnings are spent on dividend by ABCB. This is a low number and sustainable payout ratio.
The dividend of ABCB is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP12.12%
EPS Next 2Y8.34%
EPS Next 3YN/A
ABCB Yearly Income VS Free CF VS DividendABCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B
ABCB Dividend Payout.ABCB Dividend Payout, showing the Payout Ratio.ABCB Dividend Payout.PayoutRetained Earnings

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AMERIS BANCORP

NYSE:ABCB (7/2/2025, 3:22:23 PM)

66.81

+0.5 (+0.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-24 2025-07-24/amc
Inst Owners93.95%
Inst Owner Change2.02%
Ins Owners5.03%
Ins Owner Change0.34%
Market Cap4.60B
Analysts81.67
Price Target73.95 (10.69%)
Short Float %2.79%
Short Ratio4.7
Dividend
Industry RankSector Rank
Dividend Yield 1.23%
Yearly Dividend0.6
Dividend Growth(5Y)7.29%
DP12.12%
Div Incr Years1
Div Non Decr Years10
Ex-Date06-30 2025-06-30 (0.2)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.7%
Min EPS beat(2)9.9%
Max EPS beat(2)13.5%
EPS beat(4)4
Avg EPS beat(4)8.14%
Min EPS beat(4)0.78%
Max EPS beat(4)13.5%
EPS beat(8)6
Avg EPS beat(8)1.37%
EPS beat(12)7
Avg EPS beat(12)-2.02%
EPS beat(16)9
Avg EPS beat(16)-0.95%
Revenue beat(2)2
Avg Revenue beat(2)2.23%
Min Revenue beat(2)1.24%
Max Revenue beat(2)3.22%
Revenue beat(4)3
Avg Revenue beat(4)2.37%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)8.04%
Revenue beat(8)5
Avg Revenue beat(8)1.32%
Revenue beat(12)6
Avg Revenue beat(12)0.5%
Revenue beat(16)8
Avg Revenue beat(16)0.09%
PT rev (1m)0%
PT rev (3m)-4.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.8%
EPS NY rev (1m)0%
EPS NY rev (3m)5.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.75%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.59%
Valuation
Industry RankSector Rank
PE 12.82
Fwd PE 11.32
P/S 3.97
P/FCF 19.2
P/OCF 18.24
P/B 1.2
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)5.21
EY7.8%
EPS(NY)5.9
Fwd EY8.84%
FCF(TTM)3.48
FCFY5.21%
OCF(TTM)3.66
OCFY5.48%
SpS16.85
BVpS55.49
TBVpS39.78
PEG (NY)1.57
PEG (5Y)2.22
Profitability
Industry RankSector Rank
ROA 1.4%
ROE 9.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 32.07%
GM N/A
FCFM 20.65%
ROA(3y)1.27%
ROA(5y)1.34%
ROE(3y)9.42%
ROE(5y)10.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.26%
PM growth 5Y6.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.36
Debt/EBITDA N/A
Cap/Depr 27.98%
Cap/Sales 1.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 64.39%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC16.12%
ROIC/WACCN/A
Cap/Depr(3y)33.51%
Cap/Depr(5y)46.11%
Cap/Sales(3y)1.35%
Cap/Sales(5y)1.64%
Profit Quality(3y)182.29%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)22.88%
EPS 3Y-2.4%
EPS 5Y5.77%
EPS Q2Q%16.36%
EPS Next Y8.18%
EPS Next 2Y8.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.76%
Revenue growth 3Y3.82%
Revenue growth 5Y10.19%
Sales Q2Q%6.96%
Revenue Next Year6.97%
Revenue Next 2Y6.57%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-70.78%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-69.72%
OCF growth 3Y156.85%
OCF growth 5YN/A