Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 5.42%, EPS fell 51.9%, free cash flow grew 31.9% and total debt rose 171.6%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
79.72
0.02
−0.03%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
20.81 | 24.28 | 11.60 | 14.93 | 10.07 | 9.15 | 9.24 | 13.37 | 12.01 | 12.34 |
Piotroski F-Score |
3 | 2 | 4 | 3 | 7 | 5 | 5 | 6 | 6 | 6 |
P/S ratio |
4.35 | 4.48 | 2.57 | 2.98 | 2.25 | 3.23 | 2.72 | 2.36 | 2.58 | 3.05 |
P/FCF ratio |
0.00 | 0.00 | 0.00 | 0.00 | 3.38 | 0.00 | 3.05 | 6.48 | 30.54 | 13.75 |
P/Operating CF |
(199.68) | 53.98 | (89.49) | (7.05) | 6.29 | 12.93 | (10,138.23) | 16.90 | 32.99 | 47.49 |
P/B ratio |
2.32 | 2.22 | 0.94 | 1.01 | 1.00 | 1.16 | 1.00 | 1.05 | 1.15 | 1.25 |
Price to Tangible BV |
2.98 | 2.69 | 1.53 | 1.72 | 1.60 | 1.89 | 1.54 | 1.55 | 1.62 | 1.69 |
EV/Sales |
5.45 | 4.50 | 1.72 | 4.06 | 0.91 | 0.23 | 3.47 | 2.02 | 2.10 | 2.81 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(26.93) | (28.67) | (8.43) | (3.61) | 1.34 | 27.45 | 3.85 | 5.40 | 22.76 | 12.01 |
EV/FCF |
(23.36) | (27.05) | (7.76) | (3.58) | 1.37 | (17.49) | 3.90 | 5.53 | 24.89 | 12.67 |
Quick Ratio |
0.04 | 0.05 | 0.07 | 0.04 | 0.12 | 0.21 | 0.06 | 0.06 | 0.06 | 0.05 |
Current Ratio |
0.99 | 0.98 | 0.96 | 1.07 | 1.04 | 1.07 | 1.09 | 1.03 | 1.02 | 1.02 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
8.37% | 4.28% | 2.11% | 8.37% | 2.69% | 3.63% | 8.00% | 2.54% | 1.61% | 2.52% |
Debt/Equity |
0.89 | 0.42 | 0.17 | 0.62 | 0.21 | 0.29 | 0.63 | 0.19 | 0.11 | 0.17 |
Asset Turnover |
0.06 | 0.05 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.06 | 0.07 | 0.06 |
Operating CF/Net income |
(0.97) | (0.85) | (0.90) | (5.82) | 3.05 | 0.02 | 3.07 | 2.11 | 0.43 | 0.95 |
Capex/Depreciation |
(2.45) | (0.55) | (0.87) | (0.14) | (0.30) | (0.47) | (0.25) | (0.30) | (0.28) | (0.53) |
| 12.42% | 10.14% | 10.71% | 8.22% | 10.24% | 13.43% | 11.24% | 8.12% | 9.99% | 10.53% | |
| 1.16% | 1.00% | 1.25% | 1.09% | 1.35% | 1.70% | 1.42% | 1.07% | 1.39% | 1.53% | |
ROIC |
6.42% | 9.59% | 9.40% | 3.92% | 19.71% | 0.00% | 6.94% | 7.69% | 10.06% | 9.07% |
Return on Tangible Assets |
193.48% | 741.49% | (50.52%) | 12.97% | 31.94% | 23.86% | 18.07% | 29.29% | 56.24% | 57.68% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
62.50% | 59.27% | 56.57% | 56.80% | 61.76% | 47.70% | 51.99% | 46.13% | 38.85% | 39.52% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.05 | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 |
Share Based Compensation of Revenue |
0.66% | 0.83% | 1.17% | 0.41% | 0.32% | 0.74% | 0.57% | 0.65% | 0.80% | 0.76% |
Graham Net Nets |
(0.47) | (0.28) | (0.51) | (0.29) | (0.09) | 0.04 | (0.22) | (0.10) | (0.08) | (0.11) |
Graham Number |
29.82 | 31.35 | 45.54 | 52.05 | 57.02 | 72.25 | 72.17 | 66.03 | 79.95 | 89.81 |
Earnings Yield |
4.81% | 4.12% | 8.62% | 6.70% | 9.93% | 10.93% | 10.82% | 7.48% | 8.33% | 8.11% |
Free Cash Flow Yield |
(5.36%) | (3.71%) | (8.65%) | (38.05%) | 29.62% | (0.42%) | 32.74% | 15.44% | 3.27% | 7.27% |
Revenue per Share |
10.04 | 10.83 | 12.33 | 14.27 | 16.94 | 15.39 | 17.03 | 22.08 | 24.29 | 24.33 |
Operating CF per Share |
(2.03) | (1.70) | (2.52) | (16.08) | 11.53 | 0.13 | 15.36 | 8.25 | 2.24 | 5.70 |
Capex per Share |
(0.31) | (0.10) | (0.22) | (0.10) | (0.25) | (0.34) | (0.20) | (0.20) | (0.19) | (0.30) |
Free Cash Flow per Share |
(2.34) | (1.80) | (2.74) | (16.18) | 11.28 | (0.21) | 15.16 | 8.05 | 2.05 | 5.40 |
Cash per Share |
5.78 | 8.98 | 16.00 | 10.64 | 30.58 | 58.54 | 16.16 | 16.92 | 17.74 | 15.91 |
Shareholders Equity per Share |
18.82 | 21.84 | 33.76 | 42.24 | 38.22 | 42.72 | 46.21 | 49.68 | 54.52 | 59.55 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
18.82 | 21.84 | 33.76 | 42.24 | 38.22 | 42.72 | 46.21 | 49.68 | 54.52 | 59.55 |
Free Cash Flow |
(80.45) | (66.31) | (118.22) | (946.20) | 781.00 | (14.35) | 1,048.95 | 555.35 | 140.97 | 369.82 |
Working Capital |
(83.95) | (107.82) | (384.97) | 1,011.39 | 597.26 | 1,354.56 | 1,697.05 | 702.33 | 428.35 | 501.46 |
Capital Expenditures |
(10.68) | (3.74) | (9.42) | (5.99) | (17.40) | (23.49) | (13.52) | (13.61) | (13.23) | (20.37) |
Net Current Asset Value |
(700.88) | (503.06) | (702.44) | (713.90) | (224.83) | 134.09 | (696.10) | (366.11) | (359.73) | (562.40) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.01 | 0.02 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
13.78 | 14.04 | 8.82 | 11.65 | 7.44 | 6.88 | 6.95 | 9.37 | 8.76 | 9.52 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.04 | 0.06 | 0.07 | 0.18 | 0.26 | 0.22 | 0.24 | 0.21 | 0.22 | 0.18 |
Cash ROIC |
(5.66%) | (4.51%) | (4.95%) | (20.49%) | 14.70% | (0.18%) | 16.60% | 10.61% | 2.61% | 6.31% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
103,327.64 | 70,668.97 | 50,361.76 | 39,015.15 | 69,742.02 | 150,212.95 | 76,501.19 | 16,970.72 | 14,985.42 | 17,847.90 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
5,227.23 | 6,100.50 | 8,137.58 | 11,838.19 | 15,492.45 | 18,311.69 | 19,564.15 | 20,085.63 | 21,215.48 | 22,049.22 |
Average Assets |
6,240.49 | 7,374.12 | 9,649.86 | 14,843.05 | 19,340.61 | 22,148.48 | 24,455.81 | 25,128.50 | 25,732.88 | 26,888.97 |
Average Common Equity |
580.60 | 725.46 | 1,130.41 | 1,962.96 | 2,558.34 | 2,806.77 | 3,081.93 | 3,312.07 | 3,589.13 | 3,913.78 |
Columns are period end dates