Symbols / ABCB Stock $86.85 +0.97% Ameris Bancorp

Financial Services • Banks - Regional • United States • NYQ
ABCB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. H. Palmer Proctor Jr.
Exch · Country NYQ · United States
Market Cap 5.84B
Enterprise Value 5.62B
Income 434.71M
Sales 1.17B
FCF (ttm) —
Book/sh 60.84
Cash/sh 20.06
Employees 2,642
Insider 10d —
IPO May 19, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 12.58%
P/E 13.65
Forward P/E 12.12
PEG 1.10
P/S 4.98
P/B 1.43
P/C —
EV/EBITDA —
EV/Sales 4.79
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 6.36
EPS next Y 7.16
EPS Growth 28.30%
Revenue Growth 12.80%
EPS Gr Q/Q 25.70%
Rev Gr Q/Q —
Earnings (next) 2026-04-23
Earnings (prior) 2026-04-23
ROA 1.59%
ROE 11.00%
ROIC —
Gross Margin 0.00%
Oper. Margin 49.38%
Profit Margin 37.08%
Shs Outstand 67.29M
Shs Float 59.66M
Insider Own 5.48%
Instit Own 98.43%
Short Float 5.17%
Short Ratio 6.53
Short Interest 2.41M
52W High 90.00
vs 52W High -3.51%
52W Low 60.54
vs 52W Low 43.45%
Beta 0.93
Impl. Vol. 37.92%
Rel Volume 0.37
Avg Volume 499.87K
Volume 183.70K
Target (mean) $93.86
Tgt Median $92.00
Tgt Low $89.00
Tgt High $100.00
# Analysts 7
Recom Buy
Prev Close $86.01
Price $86.84
Change 0.97%
About

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including home improvement and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans; equipment finance loans; and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$93.86
Mean price target
2. Current target
$86.85
Latest analyst target
3. DCF / Fair value
$95.40
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$86.85
Low
$89.00
High
$100.00
Mean
$93.86

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-28 main DA Davidson Buy → Buy $98
2026-04-27 main Stephens & Co. Equal-Weight → Equal-Weight $90
2026-04-27 main Truist Securities Hold → Hold $89
2026-02-02 main Keefe, Bruyette & Woods Outperform → Outperform $88
2026-02-02 main Stephens & Co. Equal-Weight → Equal-Weight $87
2026-02-02 main Truist Securities Hold → Hold $86
2026-02-02 main DA Davidson Buy → Buy $94
2026-01-30 main DA Davidson Buy → Buy $90
2025-11-25 init Truist Securities — → Hold $80
2025-10-31 main Keefe, Bruyette & Woods Outperform → Outperform $82
2025-10-29 reit Raymond James Outperform → Outperform $80
2025-10-29 main Piper Sandler Overweight → Overweight $84
2025-07-30 main DA Davidson Buy → Buy $81
2025-05-01 main DA Davidson Buy → Buy $78
2025-04-30 main Raymond James Outperform → Outperform $65
2025-04-29 reit Stephens & Co. Equal-Weight → Equal-Weight $63
2025-02-03 reit Raymond James Outperform → Outperform $71
2025-01-31 reit Stephens & Co. Equal-Weight → Equal-Weight $71
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $80
2024-10-28 main Stephens & Co. Equal-Weight → Equal-Weight $67
News
RSS: Latest ABCB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-21 STERN WILLIAM H Director — 1,003 $0.00 $0
2026-05-21 CHOATE WILLIAM MILLARD Director — 1,003 $0.00 $0
2026-05-21 BOWEN WILLIAM I JR Director — 1,003 $0.00 $0
2026-05-21 BULLARD RODNEY D. Director — 1,003 $0.00 $0
2026-05-21 MCLEAN CLAIRE E. Director — 1,003 $0.00 $0
2026-05-21 LYNCH ROBERT P Director — 1,003 $0.00 $0
2026-05-21 HILL LEO J Director — 1,003 $0.00 $0
2026-05-21 MILLER JAMES B JR Director — 1,003 $0.00 $0
2026-05-21 JETER DANIEL B Director — 1,003 $0.00 $0
2026-05-06 PROCTOR H PALMER JR Chief Executive Officer — 8,906 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,173.68
+6.33%
1,103.80
+5.88%
1,042.51
-0.58%
1,048.59
Operating Revenue
1,173.68
+6.33%
1,103.80
+5.88%
1,042.51
-0.58%
1,048.59
Selling General And Administration
371.23
-1.20%
375.75
+4.76%
358.69
+5.55%
339.81
Selling And Marketing Expense
11.99
-4.94%
12.61
+8.37%
11.64
-3.27%
12.03
General And Administrative Expense
359.24
-1.08%
363.14
+4.64%
347.05
+5.88%
327.78
Salaries And Wages
348.87
+0.35%
347.64
+8.60%
320.11
+0.12%
319.72
Other Gand A
—
—
—
—
Reconciled Depreciation
38.44
-17.75%
46.73
+1.73%
45.93
-14.35%
53.63
Total Unusual Items
—
0.00
0.00
+100.00%
-1.21
Total Unusual Items Excluding Goodwill
—
0.00
0.00
+100.00%
-1.21
Special Income Charges
—
0.00
0.00
+100.00%
-1.21
Restructuring And Mergern Acquisition
—
0.00
0.00
-100.00%
1.21
Net Income
412.15
+14.91%
358.69
+33.29%
269.11
-22.35%
346.54
Pretax Income
533.76
+12.17%
475.86
+33.32%
356.94
-21.22%
453.10
Net Interest Income
936.92
+10.33%
849.19
+1.69%
835.04
+4.25%
801.03
Interest Expense
457.60
-13.51%
529.09
+18.79%
445.39
+379.64%
92.86
Interest Income
1,394.53
+1.18%
1,378.28
+7.64%
1,280.43
+43.24%
893.89
Gain On Sale Of Security
1.63
-86.73%
12.30
+4147.37%
-0.30
-249.75%
0.20
Tax Provision
121.61
+3.78%
117.17
+33.41%
87.83
-17.58%
106.56
Tax Rate For Calcs
0.00
-7.47%
0.00
+0.10%
0.00
+4.68%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
+100.00%
-0.28
Net Income Including Noncontrolling Interests
412.15
+14.91%
358.69
+33.29%
269.11
-22.35%
346.54
Net Income From Continuing Operation Net Minority Interest
412.15
+14.91%
358.69
+33.29%
269.11
-22.35%
346.54
Net Income From Continuing And Discontinued Operation
412.15
+14.91%
358.69
+33.29%
269.11
-22.35%
346.54
Net Income Continuous Operations
412.15
+14.91%
358.69
+33.29%
269.11
-22.35%
346.54
Normalized Income
412.15
+14.91%
358.69
+33.29%
269.11
-22.55%
347.47
Net Income Common Stockholders
412.15
+14.91%
358.69
+33.29%
269.11
-22.35%
346.54
Diluted EPS
6.00
+15.61%
5.19
+33.42%
3.89
-22.04%
4.99
Basic EPS
6.02
+15.55%
5.21
+33.59%
3.90
-22.16%
5.01
Basic Average Shares
68.45
-0.52%
68.81
-0.24%
68.98
-0.31%
69.19
Diluted Average Shares
68.71
-0.52%
69.06
-0.06%
69.10
-0.45%
69.42
Diluted NI Availto Com Stockholders
412.15
+14.91%
358.69
+33.29%
269.11
-22.35%
346.54
Amortization
15.94
-7.28%
17.19
-5.78%
18.24
-7.60%
19.74
Amortization Of Intangibles Income Statement
15.94
-7.28%
17.19
-5.78%
18.24
-7.60%
19.74
Depreciation Amortization Depletion Income Statement
15.94
-7.28%
17.19
-5.78%
18.24
-7.60%
19.74
Depreciation And Amortization In Income Statement
15.94
-7.28%
17.19
-5.78%
18.24
-7.60%
19.74
Insurance And Claims
10.37
-33.11%
15.50
-42.47%
26.94
+234.12%
8.06
Occupancy And Equipment
44.92
-7.91%
48.78
-5.18%
51.45
+0.17%
51.36
Other Non Interest Expense
119.45
+7.91%
110.69
+14.34%
96.81
+1.67%
95.22
Professional Expense And Contract Services Expense
18.14
+8.41%
16.74
-5.58%
17.73
+7.83%
16.44
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
27,515.88
+4.77%
26,262.05
+4.20%
25,203.70
+0.60%
25,053.29
Cash And Cash Equivalents
1,088.92
-10.77%
1,220.38
+4.55%
1,167.30
+4.40%
1,118.13
Cash Financial
253.81
+3.60%
244.98
+6.30%
230.47
-19.01%
284.57
Other Short Term Investments
2,207.17
+32.07%
1,671.26
+19.13%
1,402.94
-6.47%
1,500.06
Net PPE
213.10
+1.74%
209.46
-3.22%
216.44
-1.75%
220.28
Gross PPE
353.15
+4.12%
339.19
+0.41%
337.79
+1.41%
333.10
Accumulated Depreciation
-140.05
-7.96%
-129.72
-6.89%
-121.36
-7.57%
-112.82
Land And Improvements
69.03
-0.20%
69.17
-0.45%
69.48
+0.13%
69.39
Buildings And Improvements
183.08
+3.23%
177.36
+1.60%
174.56
-0.90%
176.15
Machinery Furniture Equipment
96.74
+8.27%
89.35
-0.45%
89.76
+5.33%
85.22
Construction In Progress
4.30
+29.77%
3.31
-17.06%
4.00
+70.59%
2.34
Goodwill And Other Intangible Assets
1,070.47
-1.47%
1,086.41
-1.56%
1,103.60
-1.63%
1,121.84
Goodwill
1,015.65
+0.00%
1,015.65
+0.00%
1,015.65
+0.00%
1,015.65
Other Intangible Assets
54.82
-22.52%
70.76
-19.54%
87.95
-17.18%
106.19
Investments And Advances
2,495.86
+31.21%
1,902.23
+17.69%
1,616.25
-7.43%
1,745.92
Total Liabilities Net Minority Interest
23,439.85
+4.13%
22,510.53
+3.37%
21,776.95
-0.36%
21,855.89
Long Term Debt And Capital Lease Obligation
692.34
+63.25%
424.10
-33.72%
639.90
-68.07%
2,004.06
Long Term Debt
692.34
+63.25%
424.10
-33.72%
639.90
-68.07%
2,004.06
Stockholders Equity
4,076.03
+8.65%
3,751.52
+9.48%
3,426.75
+7.17%
3,197.40
Common Stock Equity
4,076.03
+8.65%
3,751.52
+9.48%
3,426.75
+7.17%
3,197.40
Capital Stock
72.90
+0.27%
72.70
+0.25%
72.52
+0.35%
72.26
Common Stock
72.90
+0.27%
72.70
+0.25%
72.52
+0.35%
72.26
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
72.90
+0.27%
72.70
+0.25%
72.52
+0.35%
72.26
Ordinary Shares Number
68.02
-1.51%
69.07
+0.02%
69.05
-0.46%
69.37
Treasury Shares Number
4.88
+34.30%
3.63
+4.85%
3.46
+19.62%
2.89
Additional Paid In Capital
1,971.13
+0.64%
1,958.64
+0.68%
1,945.38
+0.53%
1,935.21
Retained Earnings
2,210.39
+19.26%
1,853.43
+20.36%
1,539.96
+17.44%
1,311.26
Gains Losses Not Affecting Retained Earnings
8.31
+127.60%
-30.12
+16.19%
-35.94
+22.72%
-46.51
Treasury Stock
186.70
+81.04%
103.13
+8.36%
95.17
+27.19%
74.83
Other Equity Adjustments
8.31
+127.60%
-30.12
+16.19%
-35.94
+22.72%
-46.51
Total Equity Gross Minority Interest
4,076.03
+8.65%
3,751.52
+9.48%
3,426.75
+7.17%
3,197.40
Total Capitalization
4,768.37
+14.20%
4,175.62
+2.68%
4,066.65
-21.82%
5,201.46
Invested Capital
4,768.37
+14.20%
4,175.62
+2.68%
4,066.65
-21.82%
5,201.46
Total Debt
692.34
+63.25%
424.10
-33.72%
639.90
-68.07%
2,004.06
Net Debt
—
—
—
885.93
Net Tangible Assets
3,005.56
+12.77%
2,665.11
+14.72%
2,323.15
+11.93%
2,075.56
Tangible Book Value
3,005.56
+12.77%
2,665.11
+14.72%
2,323.15
+11.93%
2,075.56
Available For Sale Securities
85.44
+28.88%
66.30
-7.66%
71.79
-35.32%
110.99
Cash Cash Equivalents And Federal Funds Sold
1,088.92
-10.77%
1,220.38
+4.55%
1,167.30
+4.40%
1,118.13
Held To Maturity Securities
203.24
+23.42%
164.68
+16.37%
141.51
+4.93%
134.86
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
390.18
+153.05%
154.19
-72.90%
568.96
-46.45%
1,062.47
Cash Flow From Continuing Operating Activities
390.18
+153.05%
154.19
-72.90%
568.96
-46.45%
1,062.47
Net Income From Continuing Operations
412.15
+14.91%
358.69
+33.29%
269.11
-22.35%
346.54
Depreciation Amortization Depletion
38.44
-17.75%
46.73
+1.73%
45.93
-14.35%
53.63
Depreciation
38.44
-17.75%
46.73
+1.73%
45.93
-14.35%
53.63
Amortization Cash Flow
—
—
18.24
-7.60%
19.74
Depreciation And Amortization
38.44
-17.75%
46.73
+1.73%
45.93
-14.35%
53.63
Amortization Of Intangibles
—
—
18.24
-7.60%
19.74
Other Non Cash Items
-47.23
+78.32%
-217.92
-335.76%
92.43
-84.01%
578.03
Stock Based Compensation
12.69
-5.60%
13.44
+35.08%
9.95
+48.37%
6.71
Asset Impairment Charge
1.08
+163.02%
0.41
+125.77%
-1.59
+93.24%
-23.60
Deferred Tax
-10.55
+47.45%
-20.08
+1.91%
-20.47
+42.63%
-35.68
Deferred Income Tax
-10.55
+47.45%
-20.08
+1.91%
-20.47
+42.63%
-35.68
Operating Gains Losses
-55.49
+15.92%
-66.00
-3221.54%
-1.99
-102.31%
86.18
Gain Loss On Investment Securities
-1.63
+86.73%
-12.30
-4147.37%
0.30
+249.75%
-0.20
Gain Loss On Sale Of PPE
0.68
+107.47%
-9.09
-448.43%
-1.66
-38.17%
-1.20
Change In Working Capital
-31.14
-56.73%
-19.87
-160.33%
32.94
+256.63%
-21.03
Change In Receivables
-4.85
-549.13%
-0.75
+92.27%
-9.66
+51.99%
-20.12
Changes In Account Receivables
-4.85
-549.13%
-0.75
+92.27%
-9.66
+51.99%
-20.12
Change In Payables And Accrued Expense
-24.57
-231.58%
18.67
-36.10%
29.22
+156.42%
11.39
Change In Payable
-24.57
-231.58%
18.67
-36.10%
29.22
+156.42%
11.39
Change In Account Payable
-4.33
+61.23%
-11.18
-141.48%
26.95
+333.42%
6.22
Change In Other Working Capital
-1.73
+95.43%
-37.79
-382.47%
13.38
+208.82%
-12.30
Investing Cash Flow
-1,302.80
-53.87%
-846.68
-150.35%
-338.19
+93.06%
-4,874.53
Cash Flow From Continuing Investing Activities
-1,302.80
-53.87%
-846.68
-150.35%
-338.19
+93.06%
-4,874.53
Net PPE Purchase And Sale
-20.37
-53.98%
-13.23
+2.79%
-13.61
-0.62%
-13.52
Purchase Of PPE
-20.54
-52.40%
-13.48
+23.12%
-17.53
-29.21%
-13.57
Sale Of PPE
0.17
-31.20%
0.25
-93.63%
3.92
+8432.61%
0.05
Capital Expenditure
-20.54
-52.40%
-13.48
+23.12%
-17.53
-29.21%
-13.57
Net Investment Purchase And Sale
-535.11
-101.95%
-264.96
-278.64%
148.33
+113.43%
-1,104.48
Purchase Of Investment
-1,078.95
-49.96%
-719.47
-1740.51%
-39.09
+96.98%
-1,293.69
Sale Of Investment
543.84
+19.66%
454.51
+142.51%
187.42
-0.95%
189.21
Net Business Purchase And Sale
—
0.00
0.00
+100.00%
-14.00
Purchase Of Business
—
0.00
0.00
+100.00%
-14.00
Net Intangibles Purchase And Sale
23.73
-71.18%
82.33
0.00
-100.00%
119.84
Net Other Investing Changes
65.90
+263.46%
-40.32
-421.37%
12.54
+127.99%
-44.81
Financing Cash Flow
781.16
+4.77%
745.56
+510.57%
-181.59
-120.98%
865.53
Cash Flow From Continuing Financing Activities
781.16
+4.77%
745.56
+510.57%
-181.59
-120.98%
865.53
Net Issuance Payments Of Debt
265.76
+221.37%
-218.96
+83.97%
-1,365.85
-220.29%
1,135.42
Issuance Of Debt
8,163.00
+29.41%
6,308.00
-60.18%
15,842.00
+301.06%
3,950.00
Repayment Of Debt
-7,897.24
-20.99%
-6,526.96
+62.07%
-17,207.85
-511.38%
-2,814.58
Long Term Debt Issuance
8,163.00
+29.41%
6,308.00
-60.18%
15,842.00
+301.06%
3,950.00
Long Term Debt Payments
-7,897.24
-20.99%
-6,526.96
+62.07%
-17,207.85
-511.38%
-2,814.58
Net Long Term Debt Issuance
265.76
+221.37%
-218.96
+83.97%
-1,365.85
-220.29%
1,135.42
Net Common Stock Issuance
-82.89
-942.18%
-7.95
+60.91%
-20.35
+9.25%
-22.42
Common Stock Payments
-82.89
-942.18%
-7.95
+60.91%
-20.35
+9.25%
-22.42
Common Stock Dividend Paid
-55.25
-33.27%
-41.46
+0.45%
-41.65
-0.09%
-41.61
Cash Dividends Paid
-55.25
-33.27%
-41.46
+0.45%
-41.65
-0.09%
-41.61
Repurchase Of Capital Stock
-82.89
-942.18%
-7.95
+60.91%
-20.35
+9.25%
-22.42
Proceeds From Stock Option Exercised
0.00
0.00
-100.00%
0.48
-82.99%
2.80
Changes In Cash
-131.46
-347.69%
53.07
+7.93%
49.17
+101.67%
-2,946.53
Beginning Cash Position
1,220.38
+4.55%
1,167.30
+4.40%
1,118.13
-72.49%
4,064.66
End Cash Position
1,088.92
-10.77%
1,220.38
+4.55%
1,167.30
+4.40%
1,118.13
Free Cash Flow
369.64
+162.69%
140.72
-74.48%
551.43
-47.43%
1,048.90
Interest Paid Supplemental Data
461.94
-14.50%
540.27
+29.11%
418.44
+382.95%
86.64
Income Tax Paid Supplemental Data
—
102.51
+1.17%
101.33
-24.32%
133.89
Amortization Of Securities
—
—
-4.71
-4197.39%
0.12
Change In Income Tax Payable
-20.23
-167.79%
29.85
+1214.22%
2.27
-56.13%
5.18
Change In Tax Payable
-20.23
-167.79%
29.85
+1214.22%
2.27
-56.13%
5.18
Sale Of Intangibles
23.73
-71.18%
82.33
0.00
-100.00%
119.84
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
Published Title Author Category