ABCB$73.3
Chart
Performance
Key Stats
AI ABCB Summary
Powered by LiveAIAI Scoreboard
Powered by LiveAIOverall Analysis
BuyAmeris Bancorp demonstrates solid fundamental strength, particularly in its profitability and balance sheet. While its price has recently declined, suggesting potential short-term technical weakness, its long-term outlook is supported by consistent earnings and a moderate dividend yield. Thematic alignment is neutral.
Thematic
As a regional bank, Ameris Bancorp's performance is influenced by broader economic cycles and interest rate environments rather than specific disruptive technological or social trends. Its role in community banking is stable but lacks strong thematic tailwinds.
Fundamental
Ameris Bancorp exhibits strong profitability with healthy net margins and robust revenue growth. Its balance sheet is well-managed with manageable debt and ample cash reserves. The company consistently pays dividends, adding to its fundamental appeal.
Technical
The stock is experiencing a short-term downtrend, trading below key moving averages. However, it is approaching support levels, and momentum indicators suggest it might be oversold, potentially setting up for a rebound. Long-term trends are less clear without historical data.
| Factor | Score |
|---|---|
| Digital Banking Transformation | 65 |
| Interest Rate Sensitivity | 50 |
| Economic Growth & Stability | 60 |
| Regulatory Landscape | 55 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 90 |
| Growth | 75 |
| Balance Sheet Health | 85 |
| Cash Flow | 85 |
| Dividends | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 65 |
| Support & Resistance | 75 |
| Volume Analysis | 70 |
| Price Action | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent Earnings Growth
Recent EPS reports have consistently beaten analyst estimates, with the latest quarter showing a 12.1% positive surprise (1.28 reported vs. 1.14 estimate). This trend suggests strong operational execution and effective management.
Attractive P/E Ratio
The trailing P/E ratio (PE_TTM) of 12.21 is notably lower than the industry average (assuming a typical range for financial institutions) and historical company averages, suggesting the stock may be undervalued relative to its earnings.
Bearish Points (7)
High Quarterly P/E Ratio
The forward P/E ratio based on Q1 2025 estimates is significantly high at 45.0, suggesting that future earnings expectations are very optimistic and the stock might be overvalued if these expectations are not met.
Slowing Revenue Growth
While the full-year 2024 revenue of $1.10 billion shows growth, the quarterly revenue growth in Q4 2024 was 2.3% ($281.2M vs $275.2M in Q3 2024). Further analysis of YoY quarterly growth is needed, but a trend of deceleration could be a concern.
Calendar
June 2025
30
Ex-Dividend Date
July 2025
7
Next Dividend Date
July 2025
29
Next Earnings Date
H: $1.41
A: $1.32
L: $1.24
H: 303.60M
A: 298.13M
L: 294.60M
Profile
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of 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, regular 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 motor vehicle, 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, equipment finance loans, and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. The company was founded in 1971 and is headquartered in Atlanta, Georgia.
Seasonals
Price Target
72.50 USD
The 39 analysts offering 1 year price forecasts for ABCB have a max estimate of 78.00 and a min estimate of 65.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 98
Direct competitor to Ameris Bancorp in the Southeastern United States, with a similar focus on community and commercial banking, and a comparable asset size.
Weight: 95
Key regional competitor operating in Georgia and surrounding states, sharing significant market overlap and a strong commercial banking focus with Ameris Bancorp.
Weight: 92
Maintains a substantial presence in Ameris Bancorp's core markets, including Georgia, South Carolina, North Carolina, Tennessee, and Florida, with a similar asset size and business model.
Weight: 90
A major regional bank with an extensive footprint across the Southeast and South-Central U.S., directly competing for both commercial and retail clients.