AMERIS BANCORP (ABCB) Fundamental Analysis & Valuation

NYSE:ABCB • US03076K1088

Current stock price

84.89 USD
+0.27 (+0.32%)
At close:
84.89 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

  • ABCB had positive earnings in the past year.
  • In the past year ABCB had a positive cash flow from operations.
  • Each year in the past 5 years ABCB has been profitable.
  • Each year in the past 5 years ABCB 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 better Return On Assets (1.50%) than 86.70% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.11%, ABCB is in the better half of the industry, outperforming 60.37% of the companies in the same industry.
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 88.03% 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) 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.
  • The number of shares outstanding for ABCB has been reduced 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 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.
  • ABCB has a Debt to FCF ratio of 0.39. This is amongst the best in the industry. ABCB outperforms 83.24% of its industry peers.
  • A Debt/Equity ratio of 0.03 indicates that ABCB is not too dependend on debt financing.
  • The Debt to Equity ratio of ABCB (0.03) is better than 84.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.39
Altman-Z N/A
ROIC/WACCN/A
WACC13.71%
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

  • ABCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.69%, which is quite impressive.
  • 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.
  • The Revenue has been growing slightly by 2.18% on average over the past years.
EPS 1Y (TTM)21.69%
EPS 3Y6.28%
EPS 5Y7.82%
EPS Q2Q%27.34%
Revenue 1Y (TTM)5.73%
Revenue growth 3Y3.63%
Revenue growth 5Y2.18%
Sales Q2Q%10.3%

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 8.83% on average per year.
  • Based on estimates for the next years, ABCB will show a small growth in Revenue. The Revenue will grow by 5.90% on average per year.
EPS Next Y10.86%
EPS Next 2Y8.83%
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.
  • 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. ABCB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.39, which indicates a correct valuation of ABCB.
  • Based on the Price/Earnings ratio, ABCB is valued a bit more expensive than the industry average as 61.44% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, ABCB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.97 indicates a reasonable valuation of ABCB.
  • Based on the Price/Forward Earnings ratio, ABCB is valued a bit more expensive than the industry average as 65.43% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. ABCB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.39
Fwd PE 11.97
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

  • 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 64.36% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.68
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.23
PEG (5Y)1.71
EPS Next 2Y8.83%
EPS Next 3YN/A

More info and screens

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

5

5. ABCB Dividend Analysis

5.1 Amount

  • ABCB has a yearly dividend return of 0.95%, which is pretty low.
  • With a Dividend Yield of 0.95, ABCB pays less dividend than the industry average, which is at 2.56. 82.18% of the companies listed in the same industry pay a better dividend than ABCB!
  • With a Dividend Yield of 0.95, ABCB pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 0.95%

5.2 History

  • The dividend of ABCB is nicely growing with an annual growth rate of 6.24%!
  • 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)6.24%
Div Incr Years2
Div Non Decr Years11
ABCB Yearly Dividends per shareABCB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 2Y8.83%
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 (4/24/2026, 8:19:49 PM)

After market: 84.89 0 (0%)

84.89

+0.27 (+0.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)N/A
Inst Owners96.52%
Inst Owner Change0.98%
Ins Owners5.25%
Ins Owner Change5.6%
Market Cap5.80B
Revenue(TTM)1.21B
Net Income(TTM)412.15M
Analysts78.46
Price Target91.73 (8.06%)
Short Float %3.75%
Short Ratio4.18
Dividend
Industry RankSector Rank
Dividend Yield 0.95%
Yearly Dividend0.81
Dividend Growth(5Y)6.24%
DP13.41%
Div Incr Years2
Div Non Decr Years11
Ex-Date03-31
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)-0.16%
PT rev (3m)8.91%
EPS NQ rev (1m)0.06%
EPS NQ rev (3m)4.6%
EPS NY rev (1m)0.11%
EPS NY rev (3m)4.04%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.77%
Valuation
Industry RankSector Rank
PE 13.39
Fwd PE 11.97
P/S 4.8
P/FCF 15.68
P/OCF 14.85
P/B 1.42
P/tB 1.93
EV/EBITDA N/A
EPS(TTM)6.34
EY7.47%
EPS(NY)7.09
Fwd EY8.36%
FCF(TTM)5.41
FCFY6.38%
OCF(TTM)5.72
OCFY6.73%
SpS17.69
BVpS59.7
TBVpS44.02
PEG (NY)1.23
PEG (5Y)1.71
Graham Number92.2868 (8.71%)
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
WACC13.71%
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)21.69%
EPS 3Y6.28%
EPS 5Y7.82%
EPS Q2Q%27.34%
EPS Next Y10.86%
EPS Next 2Y8.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.73%
Revenue growth 3Y3.63%
Revenue growth 5Y2.18%
Sales Q2Q%10.3%
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 3 / 10 to AMERIS BANCORP (ABCB). This can be considered as Overvalued.


How profitable is AMERIS BANCORP (ABCB) stock?

AMERIS BANCORP (ABCB) has a profitability rating of 5 / 10.


What are the PE and PB ratios of AMERIS BANCORP (ABCB) stock?

The Price/Earnings (PE) ratio for AMERIS BANCORP (ABCB) is 13.39 and the Price/Book (PB) ratio is 1.42.


Can you provide the dividend sustainability for ABCB stock?

The dividend rating of AMERIS BANCORP (ABCB) is 5 / 10 and the dividend payout ratio is 13.41%.