AMERIS BANCORP (ABCB) Fundamental Analysis & Valuation

NYSE:ABCB • US03076K1088

Current stock price

75.89 USD
-1.39 (-1.8%)
At close:
75.89 USD
0 (0%)
After Hours:

This ABCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. ABCB Profitability Analysis

1.1 Basic Checks

  • In the past year ABCB was profitable.
  • ABCB had a positive operating cash flow in the past year.
  • ABCB had positive earnings in each of the past 5 years.
  • ABCB had a positive operating cash flow in each of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 1.50%, ABCB belongs to the top of the industry, outperforming 87.11% of the companies in the same industry.
  • ABCB's Return On Equity of 10.11% is fine compared to the rest of the industry. ABCB outperforms 62.11% of its industry peers.
Industry RankSector Rank
ROA 1.5%
ROE 10.11%
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

  • With an excellent Profit Margin value of 34.12%, ABCB belongs to the best of the industry, outperforming 88.16% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ABCB has grown nicely.
  • ABCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 34.12%
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

5

2. ABCB Health Analysis

2.1 Basic Checks

  • ABCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ABCB has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, ABCB has less shares outstanding
  • Compared to 1 year ago, ABCB has an improved 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

  • ABCB has a debt to FCF ratio of 0.39. This is a very positive value and a sign of high solvency as it would only need 0.39 years to pay back of all of its debts.
  • The Debt to FCF ratio of ABCB (0.39) is better than 83.16% of its industry peers.
  • ABCB has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • ABCB has a better Debt to Equity ratio (0.03) than 83.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.39
Altman-Z N/A
ROIC/WACCN/A
WACC14.37%
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 2025 50M 100M

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

5

3. ABCB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 19.09% over the past year.
  • The Earnings Per Share has been growing slightly by 7.82% on average over the past years.
  • Looking at the last year, ABCB shows a small growth in Revenue. The Revenue has grown by 5.73% in the last year.
  • ABCB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.18% yearly.
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

  • The Earnings Per Share is expected to grow by 8.77% on average over the next years. This is quite good.
  • ABCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.90% yearly.
EPS Next Y10.74%
EPS Next 2Y8.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.83%
Revenue Next 2Y5.9%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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

More info and screens

Find the best growth stocksShow best growing peers

2

4. ABCB Valuation Analysis

4.1 Price/Earnings Ratio

  • ABCB is valuated correctly with a Price/Earnings ratio of 12.67.
  • Compared to the rest of the industry, the Price/Earnings ratio of ABCB indicates a slightly more expensive valuation: ABCB is more expensive than 60.00% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of ABCB to the average of the S&P500 Index (24.89), we can say ABCB is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 11.44, which indicates a very decent valuation of ABCB.
  • Based on the Price/Forward Earnings ratio, ABCB is valued a bit more expensive than 62.63% of the companies in the same industry.
  • ABCB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.67
Fwd PE 11.44
ABCB Price Earnings VS Forward Price EarningsABCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ABCB indicates a slightly more expensive valuation: ABCB is more expensive than 61.05% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.94
EV/EBITDA N/A
ABCB Per share dataABCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)1.18
PEG (5Y)1.62
EPS Next 2Y8.77%
EPS Next 3YN/A

More info and screens

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

6

5. ABCB Dividend Analysis

5.1 Amount

  • ABCB has a Yearly Dividend Yield of 1.04%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.66, ABCB's dividend is way lower than its industry peers. On top of this 81.32% of the companies listed in the same industry pay a better dividend than ABCB!
  • With a Dividend Yield of 1.04, ABCB pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 1.04%

5.2 History

  • The dividend of ABCB is nicely growing with an annual growth rate of 6.24%!
  • 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)6.24%
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

  • 13.41% 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.
DP13.41%
EPS Next 2Y8.77%
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

More info and screens

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ABCB Fundamentals: All Metrics, Ratios and Statistics

AMERIS BANCORP

NYSE:ABCB (3/27/2026, 8:04:00 PM)

After market: 75.89 0 (0%)

75.89

-1.39 (-1.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-23
Inst Owners96.45%
Inst Owner Change0.63%
Ins Owners5.25%
Ins Owner Change5.6%
Market Cap5.15B
Revenue(TTM)1.21B
Net Income(TTM)412.15M
Analysts78.46
Price Target91.87 (21.06%)
Short Float %2.79%
Short Ratio3.27
Dividend
Industry RankSector Rank
Dividend Yield 1.04%
Yearly Dividend0.81
Dividend Growth(5Y)6.24%
DP13.41%
Div Incr Years1
Div Non Decr Years10
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.46%
Min EPS beat(2)-0.94%
Max EPS beat(2)1.86%
EPS beat(4)3
Avg EPS beat(4)7.05%
Min EPS beat(4)-0.94%
Max EPS beat(4)17.37%
EPS beat(8)7
Avg EPS beat(8)6.82%
EPS beat(12)8
Avg EPS beat(12)0.15%
EPS beat(16)10
Avg EPS beat(16)0.1%
Revenue beat(2)1
Avg Revenue beat(2)-1.2%
Min Revenue beat(2)-2.97%
Max Revenue beat(2)0.57%
Revenue beat(4)2
Avg Revenue beat(4)-0.49%
Min Revenue beat(4)-2.97%
Max Revenue beat(4)1.24%
Revenue beat(8)5
Avg Revenue beat(8)0.98%
Revenue beat(12)6
Avg Revenue beat(12)0.53%
Revenue beat(16)8
Avg Revenue beat(16)0.54%
PT rev (1m)0%
PT rev (3m)9.65%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)4.6%
EPS NY rev (1m)0.02%
EPS NY rev (3m)3.92%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.08%
Valuation
Industry RankSector Rank
PE 12.67
Fwd PE 11.44
P/S 4.26
P/FCF 13.94
P/OCF 13.2
P/B 1.26
P/tB 1.71
EV/EBITDA N/A
EPS(TTM)5.99
EY7.89%
EPS(NY)6.63
Fwd EY8.74%
FCF(TTM)5.45
FCFY7.18%
OCF(TTM)5.75
OCFY7.57%
SpS17.8
BVpS60.05
TBVpS44.28
PEG (NY)1.18
PEG (5Y)1.62
Graham Number89.96
Profitability
Industry RankSector Rank
ROA 1.5%
ROE 10.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.12%
GM N/A
FCFM 30.6%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.39
Debt/EBITDA N/A
Cap/Depr 69.26%
Cap/Sales 1.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 89.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.37%
ROIC/WACCN/A
Cap/Depr(3y)50.94%
Cap/Depr(5y)53.48%
Cap/Sales(3y)1.5%
Cap/Sales(5y)1.65%
Profit Quality(3y)111.28%
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 Y10.74%
EPS Next 2Y8.77%
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 Year5.83%
Revenue Next 2Y5.9%
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 1Y162.69%
FCF growth 3Y-29.37%
FCF growth 5Y-13.88%
OCF growth 1Y153.05%
OCF growth 3Y-28.39%
OCF growth 5Y-13.34%

AMERIS BANCORP / ABCB Fundamental Analysis 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 for ABCB stock?

ChartMill assigns a valuation rating of 2 / 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 5 / 10.


What is the earnings growth outlook for AMERIS BANCORP?

The Earnings per Share (EPS) of AMERIS BANCORP (ABCB) is expected to grow by 10.74% in the next year.


Is the dividend of AMERIS BANCORP sustainable?

The dividend rating of AMERIS BANCORP (ABCB) is 6 / 10 and the dividend payout ratio is 13.41%.