AMERIS BANCORP (ABCB) Stock Fundamental Analysis

NYSE:ABCB • US03076K1088

83.73 USD
+0.8 (+0.96%)
At close: Feb 20, 2026
83.73 USD
0 (0%)
After Hours: 2/20/2026, 7:15:33 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, ABCB scores 4 out of 10 in our fundamental rating. ABCB was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of ABCB while its profitability can be described as average. While showing a medium growth rate, ABCB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

4

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.
  • Each year in the past 5 years ABCB has been profitable.
  • Of the past 5 years ABCB 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M -500M 1B

1.2 Ratios

  • ABCB has a Return On Assets of 1.47%. This is amongst the best in the industry. ABCB outperforms 88.13% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.91%, ABCB is in the better half of the industry, outperforming 62.27% of the companies in the same industry.
Industry RankSector Rank
ROA 1.47%
ROE 9.91%
ROIC N/A
ROA(3y)1.31%
ROA(5y)1.38%
ROE(3y)9.18%
ROE(5y)10.21%
ROIC(3y)N/A
ROIC(5y)N/A
ABCB Yearly ROA, ROE, ROICABCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 33.41%, ABCB belongs to the top of the industry, outperforming 86.28% of the companies in the same industry.
  • 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) 33.41%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.24%
PM growth 5Y7.14%
GM growth 3YN/A
GM growth 5YN/A
ABCB Yearly Profit, Operating, Gross MarginsABCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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 has been reduced compared to 1 year ago.
  • ABCB has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ABCB has a worse debt to assets ratio.
ABCB Yearly Shares OutstandingABCB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
ABCB Yearly Total Debt VS Total AssetsABCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • The Debt to FCF ratio of ABCB is 0.64, which is an excellent value as it means it would take ABCB, only 0.64 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of ABCB (0.64) is better than 77.57% of its industry peers.
  • A Debt/Equity ratio of 0.06 indicates that ABCB is not too dependend on debt financing.
  • ABCB has a better Debt to Equity ratio (0.06) than 77.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.64
Altman-Z N/A
ROIC/WACCN/A
WACC14.49%
ABCB Yearly LT Debt VS Equity VS FCFABCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 19.09% over the past year.
  • ABCB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.82% yearly.
  • The Revenue has been growing slightly by 5.73% in the past year.
  • The Revenue has been growing slightly by 2.18% on average over the past years.
EPS 1Y (TTM)19.09%
EPS 3Y6.28%
EPS 5Y7.82%
EPS Q2Q%15.22%
Revenue 1Y (TTM)5.73%
Revenue growth 3Y3.63%
Revenue growth 5Y2.18%
Sales Q2Q%5.62%

3.2 Future

  • Based on estimates for the next years, ABCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.86% on average per year.
  • ABCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.06% yearly.
EPS Next Y10.72%
EPS Next 2Y8.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6%
Revenue Next 2Y6.06%
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 stable.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ABCB Yearly Revenue VS EstimatesABCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
ABCB Yearly EPS VS EstimatesABCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.98, which indicates a correct valuation of ABCB.
  • Based on the Price/Earnings ratio, ABCB is valued a bit more expensive than 60.16% of the companies in the same industry.
  • ABCB is valuated rather cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • ABCB is valuated correctly with a Price/Forward Earnings ratio of 12.63.
  • ABCB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. ABCB is more expensive than 61.48% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. ABCB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 13.98
Fwd PE 12.63
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

  • ABCB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.5
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)1.3
PEG (5Y)1.79
EPS Next 2Y8.86%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.96%, ABCB is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.96, ABCB pays less dividend than the industry average, which is at 2.79. 82.85% of the companies listed in the same industry pay a better dividend than ABCB!
  • With a Dividend Yield of 0.96, ABCB pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 0.96%

5.2 History

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

5.3 Sustainability

  • 13.03% of the earnings are spent on dividend by ABCB. This is a low number and sustainable payout ratio.
  • ABCB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP13.03%
EPS Next 2Y8.86%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 (2/20/2026, 7:15:33 PM)

After market: 83.73 0 (0%)

83.73

+0.8 (+0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners95.74%
Inst Owner Change0.61%
Ins Owners5.09%
Ins Owner Change-0.2%
Market Cap5.72B
Revenue(TTM)1.21B
Net Income(TTM)398.17M
Analysts80
Price Target90.61 (8.22%)
Short Float %2.3%
Short Ratio2.96
Dividend
Industry RankSector Rank
Dividend Yield 0.96%
Yearly Dividend0.6
Dividend Growth(5Y)7.29%
DP13.03%
Div Incr Years1
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.61%
Min EPS beat(2)1.86%
Max EPS beat(2)17.37%
EPS beat(4)4
Avg EPS beat(4)10.66%
Min EPS beat(4)1.86%
Max EPS beat(4)17.37%
EPS beat(8)7
Avg EPS beat(8)6.32%
EPS beat(12)8
Avg EPS beat(12)-0.91%
EPS beat(16)10
Avg EPS beat(16)0.09%
Revenue beat(2)1
Avg Revenue beat(2)-0.12%
Min Revenue beat(2)-0.81%
Max Revenue beat(2)0.57%
Revenue beat(4)3
Avg Revenue beat(4)1.06%
Min Revenue beat(4)-0.81%
Max Revenue beat(4)3.22%
Revenue beat(8)5
Avg Revenue beat(8)1%
Revenue beat(12)6
Avg Revenue beat(12)0.36%
Revenue beat(16)9
Avg Revenue beat(16)0.78%
PT rev (1m)7.58%
PT rev (3m)9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.74%
EPS NY rev (1m)3.9%
EPS NY rev (3m)6.09%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.09%
Revenue NY rev (1m)0.93%
Revenue NY rev (3m)1.24%
Valuation
Industry RankSector Rank
PE 13.98
Fwd PE 12.63
P/S 4.8
P/FCF 14.5
P/OCF 13.83
P/B 1.42
P/tB 1.94
EV/EBITDA N/A
EPS(TTM)5.99
EY7.15%
EPS(NY)6.63
Fwd EY7.92%
FCF(TTM)5.78
FCFY6.9%
OCF(TTM)6.05
OCFY7.23%
SpS17.44
BVpS58.79
TBVpS43.07
PEG (NY)1.3
PEG (5Y)1.79
Graham Number89.02
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 9.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.41%
GM N/A
FCFM 33.11%
ROA(3y)1.31%
ROA(5y)1.38%
ROE(3y)9.18%
ROE(5y)10.21%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.24%
PM growth 5Y7.14%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.64
Debt/EBITDA N/A
Cap/Depr 75.75%
Cap/Sales 1.6%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.09%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.49%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.09%
EPS 3Y6.28%
EPS 5Y7.82%
EPS Q2Q%15.22%
EPS Next Y10.72%
EPS Next 2Y8.86%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.73%
Revenue growth 3Y3.63%
Revenue growth 5Y2.18%
Sales Q2Q%5.62%
Revenue Next Year6%
Revenue Next 2Y6.06%
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 1Y78.05%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y74.87%
OCF growth 3YN/A
OCF growth 5YN/A

AMERIS BANCORP / ABCB FAQ

What is the ChartMill fundamental rating of AMERIS BANCORP (ABCB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to ABCB.


What is the valuation status for ABCB stock?

ChartMill assigns a valuation rating of 3 / 10 to AMERIS BANCORP (ABCB). This can be considered as Overvalued.


What is the profitability of ABCB stock?

AMERIS BANCORP (ABCB) has a profitability rating of 4 / 10.


What is the earnings growth outlook for AMERIS BANCORP?

The Earnings per Share (EPS) of AMERIS BANCORP (ABCB) is expected to grow by 10.72% in the next year.


Is the dividend of AMERIS BANCORP sustainable?

The dividend rating of AMERIS BANCORP (ABCB) is 5 / 10 and the dividend payout ratio is 13.03%.