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🕒 Last update: loading…09/11/2026

Stock Ameris Bancorp ABCB

Ameris Bancorp — Investlytic score 5/5 on the five criteria.

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Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 5/5 criteria met. Data as of 04/11/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ✅ Debt passed
  • ✅ P/E passed
  • ✅ Correction passed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: 34.32%

Price change 2019 → 2020: -10.51%

Price change 2020 → 2021: 30.50%

Price change 2021 → 2022: -5.11%

Price change 2022 → 2023: 12.54%

Price change 2023 → 2024: 17.95%

Price change 2024 → 2025: 18.70%

Price change 2025 → 2026: 11.85%

Price change 2026 (year to date): 12.29%

Financial growth

Revenue CAGR (8 years): 17.84%

Earnings CAGR (8 years): 19.13%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 0.18

Debt/equity < 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 13.08

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 10.84% from the high over 6 months.

Correction between 10.0% and 20.0% (target range).

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Criteria of the Investlytic model

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Ameris Bancorp13.00.18+18.0 %🔒
Edenred S.A.11.3–+7.2 %–
Riot Platforms, Inc.–0.30+62.7 %–
SCOR Se7.00.81+5.9 %–
Wendel–1.89+2.4 %–

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Ameris Bancorp over the latest fiscal years.

Revenue
1.7 bn USD
fiscal year 2025
Net income
412 m USD
fiscal year 2025
Net margin
24.8 %
fiscal year 2025
Average annual growth
+7.7 %
Revenue growth over 5 years
Average annual growth
+20.5 %
Revenue growth over 10 years
Market cap
5.5 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
20201.1 bn262 m22.8 %n/a
20211.0 bn377 m36.3 %-9.4 %
20221.1 bn347 m30.4 %+9.9 %
20231.5 bn269 m18.1 %+30.4 %
20241.6 bn359 m22.0 %+9.7 %
20251.7 bn412 m24.8 %+2.0 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by Ameris Bancorp over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
average accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
6 / 9
4 to 6: average accounts
DCF Value
47.94 USD
DCF below share price · share price 81.67 USD, gap -41.3 %
Net Debt / EBITDA
1.64 x
moderate debt
Fiscal year20212022202320242025
Cash and investments4.6 bn2.6 bn2.6 bn2.9 bn254 m
Total Debt872 m2.0 bn640 m424 m743 m
Net Debt-3.2 bn886 m-527 m-796 m489 m
Equity3.0 bn3.2 bn3.4 bn3.8 bn4.1 bn
Total assets23.9 bn25.1 bn25.2 bn26.3 bn27.5 bn
Operating cash flow9.1 m1.1 bn569 m154 m390 m
Investments (capex)25.4 m13.6 m17.5 m13.5 m20.5 m
Free cash-flow-16.3 m1.0 bn551 m141 m370 m
Share buybacks9.4 m22.4 m20.3 m8.0 m82.9 m
Dividends paid41.8 m41.6 m41.6 m41.5 m55.3 m

Amounts in USD, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)14.27 x
Price / book value1.32 x
Return on Equity (ROE)9.4 %
Return on Invested Capital (ROIC)1.4 %
Net margin22.7 %
Debt / equity0.26 x
Current ratio0.00 x
Interest coverage1.11 x
Free cash-flow yield12.0 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

Ameris Bancorp compared with its sector on the same exchange and with its main competitors.

Company P/E
12.9
37.0 % below the sector
Sector median P/E
20.5
financial services, Nasdaq
Sector over 10 years
23.2
10-year median, range 16.2 to 40.5

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Ameris Bancorp5.5 bn13.024.8 %
United Bankshares, Inc. UBSI6.6 bn13.525.5 %
Grupo Aval Acciones y Valores S.A. AVAL5.3 bn10.83.8 %
Hancock Whitney Corporation HWC5.8 bn12.324.1 %
Intercorp Financial Services Inc. IFS5.2 bn8.819.7 %
Bank OZK OZK5.5 bn8.225.5 %
Glacier Bancorp, Inc. GBCI6.3 bn18.116.8 %
Home Bancshares, Inc. HOMB6.0 bn12.534.6 %
Axos Financial, Inc. AX5.1 bn11.122.4 %
Sector median (Nasdaq)20.5

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on . Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering Ameris Bancorp publish: ratings, price targets and earnings forecasts.

Majority rating
buy
12 analysts
Average price target
89.00 USD
from n/a to n/a, 18 targets over 12 months
Gap with the share price
+8.0 %
price 82.42 USD on 30/10/2026

Breakdown of ratings

strong buy 0buy 8hold 4sell 0strong sell 0

Analysts' average target 89.00 USD, DCF value 47.94 USD, share price 82.42 USD.

Average target over the last 3 months: 89.00 USD (3 targets).

Track record against expectations: reported EPS above consensus 10 times over the last 12 releases.

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

Ameris Bancorp: dividend history, last distributions, stock splits and earnings releases.

Frequency
quarterly
Last dividend
0.200 USD
ex-dividend on 30/09/2026
Last 12 months
0.800 USD
number of payments: 4
Yield
1.1 %
on the last known price
Years of increases
2
consecutive
Years of payments
12
uninterrupted
00.200.400.600.802007 : 0.545 USD2008 : 0.370 USD20082009 : 0.0973 USD2010 : 0.0000 USD20102011 : 0.0000 USD2012 : 0.0000 USD20122013 : 0.0000 USD2014 : 0.150 USD20142015 : 0.200 USD2016 : 0.300 USD20162017 : 0.400 USD2018 : 0.400 USD20182019 : 0.500 USD2020 : 0.600 USD20202021 : 0.600 USD2022 : 0.600 USD20222023 : 0.600 USD2024 : 0.650 USD20242025 : 0.800 USD2026 : 0.600 USD2026

Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
30/09/20260.200 USD05/10/2026
30/06/20260.200 USD06/07/2026
31/03/20260.200 USD06/04/2026
31/12/20250.200 USD05/01/2026
30/09/20250.200 USD06/10/2025
30/06/20250.200 USD07/07/2025
31/03/20250.200 USD07/04/2025
31/12/20240.200 USD06/01/2025

Earnings releases

DatePublished EPSExpected EPSSurprise
22/10/20261.731.68+3.0 %
23/07/20261.601.66-3.6 %
23/04/20261.631.54+5.8 %
29/01/20261.591.56+1.9 %
27/10/20251.531.47+4.1 %
28/07/20251.601.35+18.5 %

Stock splits

DateOperation
11/03/2005split: 6 shares for 5
13/12/1999split: 6 shares for 5
01/05/1997split: 5 shares for 4
01/08/1995split: 4 shares for 3

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Ameris Bancorp.

Free float
93.7 %
share of freely traded shares
Large funds tracked
20
hold the stock as of 2026Q2
US elected officials
2
1 purchases, 1 sales in 12 months

Large funds tracked

FundSharesValue (USD)Weight in the fundChangeQuarter
BlackRock9.8 m882 m0.0 %-0.5 %2026Q2
State Street7.0 m631 m0.0 %+110.3 %2026Q2
Vanguard Group7.1 m526 m0.0 %-1.6 %2025Q4
Invesco3.1 m279 m0.0 %+19.1 %2026Q2
Wellington Management2.9 m261 m0.1 %+0.1 %2026Q2
Morgan Stanley2.2 m199 m0.0 %+97.7 %2026Q2
Geode Capital Management1.9 m170 m0.0 %+16.4 %2026Q2
JPMorgan Chase928,88884.2 m0.0 %-2.8 %2026Q2

Elected officials' disclosures

DateOfficialSideAmount
10/07/2026Gilbert Cisnerospurchase$1,001 - $15,000
05/01/2026Gilbert Cisnerossale$1,001 - $15,000

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 08/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
no
head office outside the EU and EEA
Listing exchange
Nasdaq
IPO: 19/05/1994
ISIN code
US03076K1088
Workforce
2,045
full-time employees
Chief executive
H. Palmer Proctor Jr.

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Ameris Bancorp

What is the Ameris Bancorp share price?

Latest recorded price: 81.79 USD on 06/11/2026, for a market cap of 5.5 bn USD.

What is the revenue of Ameris Bancorp?

1.7 bn USD for fiscal year 2025, with net income of 412 m USD (net margin 24.8 %).

Does Ameris Bancorp pay a dividend?

Yes. Latest dividend: 0.200 USD per share, ex-dividend on 30/09/2026. Over 12 months: 0.800 USD. Yield on the latest known price: 1.1 %.

What do analysts say about Ameris Bancorp?

Out of 12 analysts: 8 buy or strong buy, 4 hold, 0 sell or strong sell. Average price target: 89.00 USD, i.e. +8.0 % from the share price.

What is the P/E ratio of Ameris Bancorp?

Trailing 12-month P/E of 12.9, against 20.5 for the sector median on the same exchange (10-year median: 23.2).

Is Ameris Bancorp stock eligible for the French PEA?

No: the company is headquartered outside the European Union and the European Economic Area (ISIN US03076K1088).

How many employees does Ameris Bancorp have?

2,045 full-time employees according to the latest published profile.

Who runs Ameris Bancorp?

H. Palmer Proctor Jr. is the company's chief executive.

Which large funds own Ameris Bancorp?

As of 2026Q2, among the large funds tracked: BlackRock, State Street, Vanguard Group, Invesco, Wellington Management.

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