Ameris Bancorp

ABCB | NYSE

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$83

-$0.50 (-0.60%)

At close: Sep 21, 2026, 4:00 PM ET

$83.38

+$0.38 (+0.46%)

Pre-market: Sep 22, 2026, 4:02 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $5.62B

Enterprise Value $6.73B

Beta 0.92

Average Volume 448.51K

Shares Outstanding (Diluted) 67.1M

Shares Change YoY -2.8%

Institutional Ownership 94.32%

Exchange NYSE

ISIN US03076K1088

Price Performance

Price Change 1M -3.3%

Price Change 3M -6.1%

Price Change 6M 7.3%

Price Change YTD 12.2%

Price Change 1Y 10.5%

Price Change 3Y 123.2%

Price Change 5Y 63.8%

1M CAGR (ann.) -5.3%

1Y CAGR (ann.) 13.8%

5Y CAGR (ann.) 13.8%

All-Time CAGR 6.9%

Valuation

PE Ratio 15.01

Forward PE 11.64

PEG Ratio -5.72

Forward PEG 2.55

PS Ratio 3.29

Forward PS 4.10

PB Ratio 1.37

P/FCF Ratio 10.70

P/Adj. FCF Ratio 11.00

P/OCF Ratio 10.12

EV/Sales 3.97

EV/EBIT 13.89

EV/EBITDA 12.55

EV/FCF 12.90

Earnings Yield 6.7%

FCF Yield 9.3%

Adj. FCF Yield 9.1%

Financial Health

Net Debt $1.15B

Total Debt $1.39B

Cash & Short-Term Investments $237.43M

Total Assets $28.49B

Current Ratio 0.19

Quick Ratio 0.19

Debt / Equity Ratio 0.34

Debt / EBITDA 2.58

Debt / FCF 2.65

OCF / Debt 0.40

Interest Coverage 1.08

Altman Z-Score 0.33

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 69.7%

Operating Profit Margin 28.6%

EBITDA Margin 31.6%

Net Profit Margin 22.2%

FCF Margin 30.8%

Adj. FCF Margin 29.9%

SBC / Revenue 0.8%

SBC Impact (per share) -2.7%

Returns

Return on Assets 1.3%

Return on Equity 9.3%

Return on Invested Capital 1.3%

Return on Capital Employed 1.8%

Return on Tangible Assets 1.4%

Historical Growth (CAGR)

Revenue CAGR 3Y 8.6%

Revenue CAGR 5Y 7.6%

Revenue CAGR 10Y 18.5%

EPS CAGR 3Y 8.8%

EPS CAGR 5Y -1.9%

EPS CAGR 10Y 11.6%

FCF CAGR 3Y -2.3%

FCF CAGR 5Y -5.9%

FCF CAGR 10Y 46.1%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 12

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 25, 2026

EPS Estimate (next Q) $1.68

EPS Growth Est (next Q) 9.8%

Revenue Est (next Q) $326.73M

Revenue Growth Est (next Q) 7.0%

Fair Value Estimates

Graham Number $87.23

Graham Upside 5.1%

Lynch Fair Value $27.65

Lynch Upside -66.7%

Price Target $92.40

Price Target Upside 11.3%

Cash Flow

Operating Cash Flow $548.53M

Free Cash Flow $521.98M

Adj. Free Cash Flow $507.93M

FCF Per Share $7.80

OCF Per Share $8.20

OCF/S Ratio 32.3%

Income Statement

Revenue $1.7B

Gross Profit $1.18B

Operating Income $484.91M

EBITDA $536.49M

Net Income $376.32M

EPS (Diluted) $5.53

Revenue / Employee $634.45K

Profit / Employee $140.79K

Employees 2,673

Dividends

Annual Dividend $0.80

Dividend Yield 0.96%

Payout Ratio 14.5%

FCF Payout Ratio 10.5%

Adj. FCF Payout Ratio 10.8%

Dividend Growth (YoY) 6.7%

Pay Frequency Quarterly

Ex-Dividend Date Sep 29, 2026