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AMERIS BANCORP (ABCB) Stock Fundamental Analysis

NYSE:ABCB - US03076K1088 - Common Stock

73.59 USD
-0.23 (-0.31%)
Last: 8/28/2025, 8:04:00 PM
73.59 USD
0 (0%)
After Hours: 8/28/2025, 8:04:00 PM
Fundamental Rating

5

Overall ABCB gets a fundamental rating of 5 out of 10. We evaluated ABCB against 393 industry peers in the Banks industry. ABCB has only an average score on both its financial health and profitability. ABCB has a correct valuation and a medium 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.
ABCB had a positive operating cash flow in the past year.
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

ABCB's Return On Assets of 1.47% is amongst the best of the industry. ABCB outperforms 88.30% of its industry peers.
Looking at the Return On Equity, with a value of 9.99%, ABCB is in the better half of the industry, outperforming 66.41% of the companies in the same industry.
Industry RankSector 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
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 has a Profit Margin of 33.70%. This is amongst the best in the industry. ABCB outperforms 88.80% of its industry peers.
ABCB's Profit Margin has improved in the last couple of years.
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) 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
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.
Compared to 5 years ago, ABCB has less shares outstanding
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

The Debt to FCF ratio of ABCB is 0.84, which is an excellent value as it means it would take ABCB, only 0.84 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 0.84, ABCB is doing good in the industry, outperforming 77.10% of the companies in the same industry.
A Debt/Equity ratio of 0.08 indicates that ABCB is not too dependend on debt financing.
ABCB has a better Debt to Equity ratio (0.08) than 75.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.84
Altman-Z N/A
ROIC/WACCN/A
WACC15.33%
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 25.11%, which is quite impressive.
Measured over the past 5 years, ABCB shows a small growth in Earnings Per Share. The EPS has been growing by 5.77% on average per year.
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 quite strong growth in Earnings Per Share. The EPS will grow by 9.99% on average per year.
The Revenue is expected to grow by 6.57% on average over the next years.
EPS Next Y16.06%
EPS Next 2Y9.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.76%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 2 4 6

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.07, the valuation of ABCB can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of ABCB is on the same level as its industry peers.
When comparing the Price/Earnings ratio of ABCB to the average of the S&P500 Index (27.17), we can say ABCB is valued rather cheaply.
A Price/Forward Earnings ratio of 12.09 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 64.89% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.78, ABCB is valued a bit cheaper.
Industry RankSector Rank
PE 13.07
Fwd PE 12.09
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 12.97
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.81
PEG (5Y)2.27
EPS Next 2Y9.99%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

ABCB has a Yearly Dividend Yield of 1.16%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.30, ABCB's dividend is way lower than its industry peers. On top of this 80.15% of the companies listed in the same industry pay a better dividend than ABCB!
Compared to an average S&P500 Dividend Yield of 2.34, ABCB's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.16%

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 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

12.40% of the earnings are spent on dividend by ABCB. This is a low number and sustainable payout ratio.
The dividend of ABCB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP12.4%
EPS Next 2Y9.99%
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 (8/28/2025, 8:04:00 PM)

After market: 73.59 0 (0%)

73.59

-0.23 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-28 2025-07-28/amc
Earnings (Next)10-22 2025-10-22/amc
Inst Owners94.9%
Inst Owner Change2.05%
Ins Owners5.05%
Ins Owner Change-1.82%
Market Cap5.05B
Analysts81.67
Price Target79.22 (7.65%)
Short Float %2.67%
Short Ratio4.23
Dividend
Industry RankSector Rank
Dividend Yield 1.16%
Yearly Dividend0.6
Dividend Growth(5Y)7.29%
DP12.4%
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)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)6.88%
PT rev (3m)7.13%
EPS NQ rev (1m)5.82%
EPS NQ rev (3m)9.27%
EPS NY rev (1m)7.28%
EPS NY rev (3m)7.28%
Revenue NQ rev (1m)0.87%
Revenue NQ rev (3m)1.49%
Revenue NY rev (1m)0.74%
Revenue NY rev (3m)0.74%
Valuation
Industry RankSector Rank
PE 13.07
Fwd PE 12.09
P/S 4.35
P/FCF 12.97
P/OCF 12.42
P/B 1.29
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)5.63
EY7.65%
EPS(NY)6.09
Fwd EY8.27%
FCF(TTM)5.67
FCFY7.71%
OCF(TTM)5.92
OCFY8.05%
SpS16.93
BVpS57.12
TBVpS41.4
PEG (NY)0.81
PEG (5Y)2.27
Profitability
Industry RankSector 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 33.52%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.84
Debt/EBITDA N/A
Cap/Depr 43.08%
Cap/Sales 1.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 99.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC15.33%
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)25.11%
EPS 3Y-2.4%
EPS 5Y5.77%
EPS Q2Q%35.9%
EPS Next Y16.06%
EPS Next 2Y9.99%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.44%
Revenue growth 3Y3.82%
Revenue growth 5Y10.19%
Sales Q2Q%-0.12%
Revenue Next Year7.76%
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-30.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-29.07%
OCF growth 3Y156.85%
OCF growth 5YN/A