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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%
Market cap
$5.4B
P/E
14.4×
Fwd P/E
12.7×
Dividend yield
1.00%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.02
Total sells 0.57
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — 1 — — — — — — — — — —
Sell — 1 — 4 1 — — — — — — —
Insider Ownership 5.51%

Capital & Financial Ratios $m

Market Cap 5,350.00
Revenue 1,712.01
Net Income 376.32
Free Cash Flow 522.04
Net Debt 188.24
Current Ratio 1.04
Debt/Equity 0.34
P/E ratio 14.36
Fwd P/E 12.70
P/S ratio 3.11
P/B ratio 1.30
Past 5Y EPS Growth 9.74%
This Y EPS Growth 10.61%
Next Y EPS Growth 6.06%
Next Y revenue growth (22.43%) (below 0%: weak)
Next 5Y EPS Growth 8.50%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 65.43%
10-year low 10-year high
P/S against its own 10 years 56.10%
10-year low 10-year high
P/B against its own 10 years 62.77%
10-year low 10-year high

Dividends

Payout Ratio 0.14
Annual Dividend Rate 0.80
Annual Dividend Yield 1.00%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.81
0.20
0.20
0.20
2025 0.80
0.20
0.20
0.20
0.20
2024 0.65
0.15
0.15
0.15
0.20
2023 0.60
0.15
0.15
0.15
0.15
2022 0.60
0.15
0.15
0.15
0.15
2021 0.60
0.15
0.15
0.15
0.15
2020 0.60
0.15
0.15
0.15
0.15
2019 0.50
0.10
0.10
0.15
0.15
2018 0.40
0.10
0.10
0.10
0.10
2017 0.40
0.10
0.10
0.10
0.10
2016 0.30
0.05
0.05
0.10
0.10
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,167 1,220 1,089 1,197
Receivables — — — —
Inventory — — — —
Other — — — —
21,411 22,151 22,877 23,498
2023 2024 2025 Q'26
Payables 20,709 21,722 22,376 22,588
ST’ Debt — — — —
Other — — — —
20,709 21,722 22,376 22,588

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%

Revenue $m

Mar Jun Sep Dec Year
’26 422 439 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 1.63 0.77 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 24.96 41.05 29.97 31.27 17.12 36.60 38.22 28.33 44.00 48.27

Analyst estimates 2026–2028

Powerpack
High 47.70 51.30 59.05 44.90 43.79 59.85 55.62 53.84 74.56 78.99
People
People Employees 1,298 1,460 1,804 2,722 2,671 2,865 2,847 2,765 2,691 2,673
Revenue/emp, $m 0.27 0.27 0.29 0.31 0.44 0.37 0.41 0.55 0.62 0.62
Income, $m
Income, $m Revenue 345 399 532 835 1,173 1,069 1,178 1,523 1,672 1,666
Gross margin, % 94.29 91.42 86.85 84.27 92.43 95.53 92.12 70.76 68.35 72.53
EBT 105 124 151 212 340 496 453 357 476 534
EBT margin, % 30.52 31.16 28.49 25.35 29.01 46.42 38.45 23.43 28.47 32.05
Net income 72 74 121 161 262 377 347 269 359 412
Depreciation 4 7 11 43 57 50 54 46 47 38
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
Earnings 2.10 2.00 2.81 2.76 3.78 5.40 5.01 3.90 5.21 6.02
Cash flow (2.03) (1.70) (2.52) (16.08) 11.53 0.13 15.36 8.25 2.24 5.70
Capex (0.31) (0.10) (0.22) (0.10) (0.25) (0.34) (0.20) (0.20) (0.19) (0.30)
Free cash flow (2.34) (1.80) (2.74) (16.18) 11.28 (0.21) 15.16 8.05 2.05 5.40
Book value 18.82 21.84 33.76 42.24 38.22 42.72 46.21 49.68 54.52 59.55
Shares, m 34 37 43 58 69 69 69 69 69 68
Valuation, ×
Valuation, × P/E 20.81 24.28 11.60 14.93 10.07 9.15 9.24 13.37 12.01 12.34
P/S 4.35 4.48 2.57 2.98 2.25 3.23 2.72 2.36 2.58 3.05
P/B 2.32 2.22 0.94 1.01 1.00 1.16 1.00 1.05 1.15 1.25
EV/Sales 5.45 4.50 1.72 4.06 0.91 0.23 3.47 2.02 2.10 2.81
EV/FCF (23.36) (27.05) (7.76) (3.58) 1.37 (17.49) 3.90 5.53 24.89 12.67
Cash, $m
Cash, $m Operating cash flow (70) (63) (109) (940) 798 9 1,062 569 154 390
Capex (11) (4) (9) (6) (17) (23) (14) (14) (13) (20)
Free cash flow (80) (66) (118) (946) 781 (14) 1,049 555 141 370
Balance, $m
Balance, $m Working capital (84) (108) (385) 1,011 597 1,355 1,697 702 428 501
Total debt 577 336 241 1,526 550 866 2,004 640 424 692
Net debt 378 5 (449) 904 (1,568) (3,198) 886 (527) (796) (397)
Shareholders’ equity 646 804 1,456 2,470 2,647 2,966 3,197 3,427 3,752 4,076
Returns, %
Returns, % ROA 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
ROE 12.42 10.14 10.71 8.22 10.24 13.43 11.24 8.12 9.99 10.53
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
HWC Hancock Whitney Corporation $5.9B 14.2× 13.1× +4.02% (above 0%: growing) +18.18% (above 0%: growing) +23.30% (above 0%: growing) 77.00% 0.00% Compare
HOMB Home BancShares, Inc. $5.8B 12.0× 11.0× +1.68% (above 0%: growing) +2.81% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00% Compare
GBCI Glacier Bancorp, Inc. $5.7B 18.0× 15.3× +19.14% (above 0%: growing) +66.67% (above 0%: growing) +42.03% (above 0%: growing) 78.15% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 11.4× 10.0× −2.50% (below 0%: shrinking) +825.00% (above 0%: growing) −92.37% (below 0%: shrinking) 71.98% 0.00% Compare
ASB Associated Banc-Corp $5.5B 10.1× 9.8× +14.89% (above 0%: growing) −3.03% (below 0%: shrinking) +48.78% (above 0%: growing) 64.01% 0.00% Compare
ABCB Ameris Bancorp $5.4B 14.4× 12.7× +5.42% (above 0%: growing) −51.88% (below 0%: shrinking) +31.88% (above 0%: growing) 74.25% 0.00%
OZK Bank OZK $5.0B 7.6× 8.3× −3.82% (below 0%: shrinking) −6.29% (below 0%: shrinking) +47.62% (above 0%: growing) 63.91% 0.00% Compare
AX AXOS FINANCIAL, INC $5.0B 10.2× 9.1× +15.98% (above 0%: growing) +12.24% (above 0%: growing) +22.36% (above 0%: growing) 67.69% 0.00% Compare
EBC Eastern Bankshares, Inc. $4.8B 12.1× 11.3× +26.48% (above 0%: growing) −4.00% (below 0%: shrinking) +25.53% (above 0%: growing) 75.96% 0.00% Compare
Median of peers $5.5B 11.7× 10.5× +9.46% +7.53% +24.42% 73.81% 0.00%

All 323 Banks Regional stocks →

Ameris Bancorp (ABCB) key facts

  • Strength: Net income was $412.2 million, or $6.02 per share (basic), a net margin of 24.8%.
  • Ameris Bancorp (ABCB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • Ameris Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $1.7 billion, roughly unchanged from fiscal 2024.
  • As of October 16, 2026, ABCB traded at $79.72, a market capitalization of $5.4 billion.
  • At that price the stock trades at 14.4× trailing-twelve-month earnings and 3.1× sales; its P/E is higher than 65% of its own readings over the past ten years.
  • Ameris Bancorp pays an annual dividend of $0.80 per share, a yield of 1.00%, with a payout ratio of 14.5%.
  • Return on equity was 10.5% and debt-to-equity 0.34.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Ameris Bancorp (ABCB) Latest News

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stockrow.com/ABCB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com