Ameris Bancorp

Valuation Analysis

About the Company

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; equip

Ameris Bancorp Stock at a Glance

Ameris Bancorp (ABCB) is currently trading at $88.95 with a market capitalization of $6B. The trailing P/E ratio stands at 13.99x, with a forward P/E of 12.42x. The 52-week range spans from $59.54 to $89.22; the current price is 0.3% below the yearly high. Year-over-year revenue growth stands at +12.8%. The net profit margin stands at 37.08%.

💰 Dividend

Ameris Bancorp pays an annual dividend of $0.80 per share, representing a yield of 0.9%. The payout ratio stands at 12.58%.

📊 Analyst Rating

7 analysts rate Ameris Bancorp (ABCB) on consensus: None. The average price target is $93.86, implying +5.52% from the current price. Analyst price targets range from $89.00 to $100.00.

Ameris Bancorp: The Investment Case in Detail

Ameris Bancorp (ABCB) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 12.8% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 28.3% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

The PEG ratio at 1.1 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The forward P/E of 12.42x is meaningfully below the trailing 13.99x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 99.1% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior, elevated short interest (5.17%).

Trading Data

💵 Dividend Info

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