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Ameris Bancorp

ABCB Financial Banks Regional

Ameris Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $1.7 billion, roughly unchanged from fiscal 2024.

Revenue
+1.71%
EPS
+12.3%
Free cash flow
+31.9%
Total debt
+125.9%

Quarter to September 2026, against a year earlier

81.90 2.24 −2.66%
Market cap
$5.5B
P/E
14.3×
Fwd P/E
14.2×
Dividend yield
0.98%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.02
Sold, $m 0.57
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — — — — — — — — — —
Sell 1 — 4 1 — — — — — — — —
Insider Ownership 5.35%

Capital & Financial Ratios $m

Size
Market Cap 5,480.00
Revenue ttm 1,719.40
Net income ttm 376.32
Free cash flow ttm 522.04
Net debt Q (73.36)
Valuation
P/E 14.27
Forward P/E 14.20
Price / sales 3.18
Forward P/S Powerpack
Price / FCF 10.48
Price / book 1.33
Financial health
Current ratio Q 1.03
Debt / equity Q 0.26
Interest coverage Q —
Growth
Revenue growth Q +1.71% (above 0%: growing)
Operating income growth Q +9.83% (above 0%: growing)
EPS, this year +11.46%
EPS, next year A +4.62%
Revenue, next year A −23.03% (below 0%: weak)
EPS, past 5 yrs +9.74%
EPS, next 5 yrs A +7.36%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 65.05%
10-year low 10-year high
P/S against its own 10 years 59.99%
10-year low 10-year high
P/B against its own 10 years 64.58%
10-year low 10-year high

Dividends raised 2 years running

Yield
0.98%
Annual rate
0.80
Payout ratio
14.0%
Growth, 2017–25
+9.05%/yr
  1. 0.40 ’17
  2. 0.40 ’18 +0
  3. 0.50 ’19 +25
  4. 0.60 ’20 +20
  5. 0.60 ’21 +0
  6. 0.60 ’22 +0
  7. 0.60 ’23 +0
  8. 0.65 ’24 +8
  9. 0.80 ’25 +23
  10. 0.80 ’26e +0
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,167 1,220 1,089 1,137
Receivables — — — —
Inventory — — — —
Other — — — —
21,411 22,151 22,877 23,524
2023 2024 2025 Q'26
Payables 20,709 21,722 22,376 22,907
ST’ Debt — — — —
Other — — — —
20,709 21,722 22,376 22,907

Compound Annual Growth %

10y 5y 3y
Sales 19.69% 7.26% 12.23%
Cash Flow 0.00% (13.34%) (28.39%)
Earnings 26.01% 9.49% 5.95%
Book Value 22.99% 9.02% 8.43%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.68 Actual 1.73

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.56 1.59 Beat by 0.03
Q1 FY26 1.54 1.63 Beat by 0.09
Q2 FY26 1.66 1.60 Miss by 0.06
Q3 FY26 1.68 1.73 Beat by 0.05
Q4 FY26 1.69 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 1.63 0.77 1.73 — —
’25 1.27 1.60 1.54 1.59 6.00
’24 1.08 1.32 1.44 1.37 5.19
’23 0.87 0.91 1.16 0.96 3.89
’22 1.17 1.30 1.34 1.18 4.99
’21 1.79 1.27 1.17 1.18 5.40
’20 0.28 0.47 1.67 1.36 3.77
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 422 439 439 — —
’25 398 417 431 420 1,666
’24 395 436 425 415 1,672
’23 352 389 394 388 1,523
’22 270 286 300 322 1,178
’21 296 263 250 260 1,069
’20 237 306 339 291 1,173
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 257 79 — — —
’25 117 61 105 107 390
’24 19 (97) 102 131 154
’23 132 92 132 213 569
’22 360 353 349 0 1,062
’21 (465) 372 (165) 267 9
’20 301 (327) 406 419 798
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 249 71 — — —
’25 114 54 101 101 370
’24 15 (100) 100 126 141
’23 128 88 128 211 555
’22 357 349 346 (3) 1,049
’21 (477) 369 (170) 264 (14)
’20 297 (333) 401 415 781
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 345 399 532 835 1,173 1,069 1,178 1,523 1,672 1,666 1,719 +19.1% 1,282 1,333 1,408 (5.4%)
Gross margin, % 94.29 91.42 86.85 84.27 92.43 95.53 92.12 70.76 68.35 72.53 73.83 (21.8) pt
EBT 105 124 151 212 340 496 453 357 476 534 498 +19.8%
EBT margin, % 30.52 31.16 28.49 25.35 29.01 46.42 38.45 23.43 28.47 32.05 28.99 +1.5 pt
Net income 72 74 121 161 262 377 347 269 359 412 376 +21.4%
Per share, $
Per share, $ Revenue 10.04 10.83 12.33 14.27 16.94 15.39 17.03 22.08 24.29 24.33 25.75 +10.3%
Earnings 2.10 2.00 2.81 2.76 3.78 5.40 5.01 3.90 5.21 6.02 5.74 +12.4%
Cash flow (2.03) (1.70) (2.52) (16.08) 11.53 0.13 15.36 8.25 2.24 5.70 0.00 n/m
Capex (0.31) (0.10) (0.22) (0.10) (0.25) (0.34) (0.20) (0.20) (0.19) (0.30) 0.00 (0.5%)
Free cash flow (2.34) (1.80) (2.74) (16.18) 11.28 (0.21) 15.16 8.05 2.05 5.40 0.00 n/m
Book value 18.82 21.84 33.76 42.24 38.22 42.72 46.21 49.68 54.52 59.55 61.76 +13.7%
Shares, m 34 37 43 58 69 69 69 69 69 68 67 +8.0%
Valuation, ×
Valuation, × P/E 20.81 24.28 11.60 14.93 10.07 9.15 9.24 13.37 12.01 12.34 14.27 13.8
P/S 4.35 4.48 2.57 2.98 2.25 3.23 2.72 2.36 2.58 3.05 3.18 3.1
P/B 2.32 2.22 0.94 1.01 1.00 1.16 1.00 1.05 1.15 1.25 1.33 1.3
EV/Sales 5.45 4.50 1.72 4.06 0.91 0.23 3.47 2.02 2.10 2.81 — 2.7
EV/FCF (23.36) (27.05) (7.76) (3.58) 1.37 (17.49) 3.90 5.53 24.89 12.67 — (3.1)
Cash, $m
Cash, $m Operating cash flow (70) (63) (109) (940) 798 9 1,062 569 154 390 549 n/m
Capex (11) (4) (9) (6) (17) (23) (14) (14) (13) (20) (26) +7.4%
Free cash flow (80) (66) (118) (946) 781 (14) 1,049 555 141 370 522 n/m
Balance, $m
Balance, $m Working capital (84) (108) (385) 1,011 597 1,355 1,697 702 428 501 617 n/m
Net debt 378 5 (449) 904 (1,568) (3,198) 886 (527) (796) (397) (73) n/m
Shareholders’ equity 646 804 1,456 2,470 2,647 2,966 3,197 3,427 3,752 4,076 4,124 +22.7%
Returns, %
Returns, % ROA 1.16 1.00 1.25 1.09 1.35 1.70 1.42 1.07 1.39 1.53 1.39 +0.4 pt
ROIC 6.42 9.59 9.40 3.92 19.71 0.00 6.94 7.69 10.06 9.07 7.69 +2.7 pt
ROE 12.42 10.14 10.71 8.22 10.24 13.43 11.24 8.12 9.99 10.53 9.49 (1.9) pt
People
People Employees 1,298 1,460 1,804 2,722 2,671 2,865 2,847 2,765 2,691 2,673 — +8.4%
Revenue/emp, $m 0.27 0.27 0.29 0.31 0.44 0.37 0.41 0.55 0.62 0.62 — +9.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Ameris Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
HOMB Home BancShares, Inc. $6.0B 12.3× 11.9× +1.68% (above 0%: growing) +3.17% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
HWC Hancock Whitney Corporation $5.7B 14.3× 14.0× +7.54% (above 0%: growing) −8.05% (below 0%: shrinking) +23.30% (above 0%: growing) 75.86% 0.00% Compare
ASB Associated Banc-Corp $5.7B 10.5× 10.6× +12.99% (above 0%: growing) +5.48% (above 0%: growing) +117.24% (above 0%: growing) 64.43% 0.00% Compare
IFS Intercorp Financial Services Inc. $5.6B 13.8× — (loss-making) +18.27% (above 0%: growing) +106.49% (above 0%: growing) +720.11% (above 0%: growing) 75.55% 0.00% Compare
OZK Bank OZK $5.6B 8.6× 8.6× −5.02% (below 0%: shrinking) −6.25% (below 0%: shrinking) +47.62% (above 0%: growing) 63.26% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 10.7× 10.1× +0.13% (above 0%: growing) +50.79% (above 0%: growing) +18.83% (above 0%: growing) 68.93% 0.00% Compare
ABCB Ameris Bancorp $5.5B 14.3× 14.2× +1.71% (above 0%: growing) +12.26% (above 0%: growing) +31.88% (above 0%: growing) 73.36% 0.00%
AX AXOS FINANCIAL, INC $5.2B 10.3× 9.1× +16.63% (above 0%: growing) +14.79% (above 0%: growing) +115.45% (above 0%: growing) 68.01% 0.00% Compare
EBC Eastern Bankshares, Inc. $5.2B 13.1× 12.5× +27.06% (above 0%: growing) −3.77% (below 0%: shrinking) +25.53% (above 0%: growing) 74.39% 0.00% Compare
Median of peers $5.6B 11.5× 10.6× +10.26% +4.33% +36.58% 71.66% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 6.08m 11.91m 208.03
2024 5.47m 10.06m 173.18
2023 5.09m 6.33m 145.09
2022 4.40m 3.96m 126.96
2021 3.44m 5.00m 132.02

Ownership

Directors and executive officers, together 5.70%
BlackRock, Inc. 13.70%
The Vanguard Group 10.90%
Dimensional Fund Advisors LP 6.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Ameris Bancorp (ABCB) Latest News

26 Oct

Impact 3 · · StockStory
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24 Oct

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23 Oct

Impact 4 · · Moby transcript
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22 Oct

Impact 3 · · Zacks
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21 Oct

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13 Oct

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4 Aug

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1 Aug

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26 Jul

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24 Jul

Impact 4 · transcript
Impact 3 · · Moby

23 Jul

Impact 3 ·
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21 Jul

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23 Jun

Impact 4 · · Business Wire

14 May

Impact 3 · · Zacks

25 Apr

Impact 4 · · GuruFocus.com
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24 Apr

Impact 4 · · Moby

23 Apr

Impact 4 · · Zacks
Impact 4 · · Zacks
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ABCB metrics, ten years each

stockrow.com/ABCB · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com