AMERIS BANCORP (ABCB) Stock Fundamental Analysis
USA - NYSE:ABCB - US03076K1088 - Common Stock
74.02 USD
+1.54 (+2.12%)
74.02 USD
0 (0%)
Overall ABCB gets a fundamental rating of 5 out of 10. We evaluated ABCB against 390 industry peers in the Banks industry. Both the profitability and the financial health of ABCB get a neutral evaluation. Nothing too spectacular is happening here. ABCB is not valued too expensively and it also shows a decent growth rate.
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.
ABCB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ABCB has a better Return On Assets (1.47%) than 88.24% of its industry peers.
ABCB has a better Return On Equity (9.99%) than 66.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 9.99% | ||
| 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
1.3 Margins
ABCB has a better Profit Margin (33.70%) than 88.75% of its industry peers.
In the last couple of years the Profit Margin of ABCB has grown nicely.
The Operating Margin and Gross Margin are not available for ABCB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.7% | ||
| 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
2. Health
2.1 Basic Checks
ABCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ABCB has about the same amount of shares outstanding.
ABCB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ABCB has an improved debt to assets ratio.
2.2 Solvency
ABCB has a debt to FCF ratio of 0.83. This is a very positive value and a sign of high solvency as it would only need 0.83 years to pay back of all of its debts.
ABCB has a better Debt to FCF ratio (0.83) than 75.45% 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.
The Debt to Equity ratio of ABCB (0.08) is better than 74.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.83 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.1%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 25.11% over the past year.
ABCB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.77% yearly.
Looking at the last year, ABCB shows a small growth in Revenue. The Revenue has grown by 5.44% in the last year.
ABCB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.19% yearly.
EPS 1Y (TTM)25.11%
EPS 3Y-2.4%
EPS 5Y5.77%
EPS Q2Q%35.9%
Revenue 1Y (TTM)5.44%
Revenue growth 3Y3.82%
Revenue growth 5Y10.19%
Sales Q2Q%-0.12%
3.2 Future
Based on estimates for the next years, ABCB will show a small growth in Earnings Per Share. The EPS will grow by 7.93% on average per year.
The Revenue is expected to grow by 6.66% on average over the next years.
EPS Next Y18.12%
EPS Next 2Y10.54%
EPS Next 3Y7.93%
EPS Next 5YN/A
Revenue Next Year8.11%
Revenue Next 2Y6.66%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.15, 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 26.89.
A Price/Forward Earnings ratio of 12.04 indicates a correct valuation of ABCB.
Based on the Price/Forward Earnings ratio, ABCB is valued a bit more expensive than the industry average as 66.24% of the companies are valued more cheaply.
ABCB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.15 | ||
| Fwd PE | 12.04 |
4.2 Price Multiples
ABCB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ABCB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.73
PEG (5Y)2.28
EPS Next 2Y10.54%
EPS Next 3Y7.93%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.10%, ABCB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.53, ABCB's dividend is way lower than its industry peers. On top of this 81.59% of the companies listed in the same industry pay a better dividend than ABCB!
Compared to an average S&P500 Dividend Yield of 2.31, ABCB's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
5.2 History
The dividend of ABCB is nicely growing with an annual growth rate of 7.29%!
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
5.3 Sustainability
12.40% 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.
DP12.4%
EPS Next 2Y10.54%
EPS Next 3Y7.93%
74.02
+1.54 (+2.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners95.87%
Inst Owner Change0.08%
Ins Owners5.08%
Ins Owner Change-1.84%
Market Cap5.08B
Revenue(TTM)1.16B
Net Income(TTM)391.36M
Analysts81.67
Price Target79.22 (7.03%)
Short Float %2.05%
Short Ratio3.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
Yearly Dividend0.6
Dividend Growth(5Y)7.29%
DP12.4%
Div Incr Years1
Div Non Decr Years10
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)13.63%
Min EPS beat(2)9.9%
Max EPS beat(2)17.37%
EPS beat(4)4
Avg EPS beat(4)12.29%
Min EPS beat(4)8.38%
Max EPS beat(4)17.37%
EPS beat(8)7
Avg EPS beat(8)6.15%
EPS beat(12)7
Avg EPS beat(12)-1.18%
EPS beat(16)9
Avg EPS beat(16)-0.19%
Revenue beat(2)1
Avg Revenue beat(2)0.21%
Min Revenue beat(2)-0.81%
Max Revenue beat(2)1.24%
Revenue beat(4)2
Avg Revenue beat(4)0.16%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)3.22%
Revenue beat(8)4
Avg Revenue beat(8)0.56%
Revenue beat(12)5
Avg Revenue beat(12)0.21%
Revenue beat(16)8
Avg Revenue beat(16)0.46%
PT rev (1m)0%
PT rev (3m)6.88%
EPS NQ rev (1m)-0.16%
EPS NQ rev (3m)7.1%
EPS NY rev (1m)0.03%
EPS NY rev (3m)9.19%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)1.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.15 | ||
| Fwd PE | 12.04 | ||
| P/S | 4.37 | ||
| P/FCF | 12.89 | ||
| P/OCF | 12.36 | ||
| P/B | 1.3 | ||
| P/tB | 1.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.63
EY7.61%
EPS(NY)6.15
Fwd EY8.3%
FCF(TTM)5.74
FCFY7.76%
OCF(TTM)5.99
OCFY8.09%
SpS16.93
BVpS57.12
TBVpS41.4
PEG (NY)0.73
PEG (5Y)2.28
Graham Number85.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.47% | ||
| ROE | 9.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.7% | ||
| GM | N/A | ||
| FCFM | 33.91% |
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
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 3Y-5.26%
PM growth 5Y6.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.83 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 57.45% | ||
| Cap/Sales | 1.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 100.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC15.1%
ROIC/WACCN/A
Cap/Depr(3y)39.75%
Cap/Depr(5y)49.85%
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)25.11%
EPS 3Y-2.4%
EPS 5Y5.77%
EPS Q2Q%35.9%
EPS Next Y18.12%
EPS Next 2Y10.54%
EPS Next 3Y7.93%
EPS Next 5YN/A
Revenue 1Y (TTM)5.44%
Revenue growth 3Y3.82%
Revenue growth 5Y10.19%
Sales Q2Q%-0.12%
Revenue Next Year8.11%
Revenue Next 2Y6.66%
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-29.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-28.26%
OCF growth 3Y156.85%
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 5 / 10 to ABCB.
What is the valuation status of AMERIS BANCORP (ABCB) stock?
ChartMill assigns a valuation rating of 4 / 10 to AMERIS BANCORP (ABCB). This can be considered as Fairly Valued.
What is the profitability of ABCB stock?
AMERIS BANCORP (ABCB) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for ABCB stock?
The Earnings per Share (EPS) of AMERIS BANCORP (ABCB) is expected to grow by 18.12% in the next year.
How sustainable is the dividend of AMERIS BANCORP (ABCB) stock?
The dividend rating of AMERIS BANCORP (ABCB) is 5 / 10 and the dividend payout ratio is 12.4%.