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