Ameris Bancorp ABCB
United StatesFinancial Services · Banks - RegionalUSD
94.17 USD (+19.4%)
6 analysts
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Ameris Bancorp is a US regional bank offering commercial and consumer banking services, including loans, deposits, and wealth management, primarily in the southeastern United States.
Key points
from its scores- ✓High-quality business9.5
- ✕Weak growth2.1
- ✕Fragile balance sheet3.8
- ✕Little or no dividend4.1
AI analysis
bottom line, main risk, context and newsBusiness quality and reasonable valuation offer some support, but weak growth and rate pressure warrant caution.
Ameris Bancorp shows solid business quality (operating margin 50.19%) and reasonable valuation (P/E 14.26), but its earnings growth has collapsed (-51.9%) and the rising rate environment could continue to pressure margins, justifying a moderate financial health score (4.12).
The main risk is net interest margin compression in a rising rate environment, along with the already evident weakness in earnings growth (-51.9%).
Context and risks
Ameris Bancorp, as a US regional bank, is exposed to a rising short-term interest rate environment (3-month Treasury at 4.04%), which could compress net interest margins if deposit costs rise faster than asset yields. Additionally, weak earnings growth and regulatory pressure on the US banking sector add moderate risk.
Is Ameris Bancorp stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 14.3 | 13.7 | +4% |
| Price / book | 1.3 | 1.9 | −30% |
| Price / sales | 4.5 | 3.5 | +30% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.0 out of 10 (median for Financial Services: 5.2).
Average analyst target: 94.17 USD, +19.4% versus the price.
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 14.3
- Forward P/E
- 11.2
- Price / book
- 1.3
- Price / sales
- 4.5
- PEG
- 1.10
- Market cap
- 5.3B USD
- Enterprise value
- 5.5B USD
Profitability
- ROE
- 9.4%
- ROA
- 1.4%
- ROIC (approx.)
- 10.8%
- Gross margin
- 0.0%
- Operating margin
- 50.2%
- Net margin
- 31.8%
Solvency
- Total debt
- 1.4B USD
- Net debt
- 185.6M USD
- Cash
- 1.2B USD
Growth
- Revenue growth
- +3.6%
- Earnings growth
- −51.9%
- EPS (TTM)
- 5.53 USD
- EPS (forward)
- 7.02 USD
Dividend
- Dividend yield
- 1.0%
- Payout
- 14.5%
Risk and market
- Beta
- 0.97
- Analyst consensus
- Buy (6)
- Target price
- 94.17 USD
- 52-week range
- 68.80 – 93.22
Recent news
All ABCB news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Ameris Bancorp
Is Ameris Bancorp stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 5.0 out of 10 (median for Financial Services: 5.2). Average analyst target: 94.17 USD, +19.4% versus the price. This is not investment advice.
What score does Ameris Bancorp get on MeridIAn Screener?
It scores 5.4 out of 10, rank 1,445 of 2,130 (better than 29% of the companies analysed). Its strongest category is Quality / Moat (9.5) and its weakest, Growth (2.1). Analysis of 08/10/2026.
What is Ameris Bancorp's P/E ratio?
Its P/E is 14.3: the share price equals 14.3 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 11.2.
How much is Ameris Bancorp worth on the stock market?
Its market capitalisation is 5.3B USD.
Does Ameris Bancorp pay a dividend?
Yes: its dividend yield is 1.01% and it pays out 14% of its earnings.
How has Ameris Bancorp stock performed over the last year?
It has risen 12.0% over the last year, excluding dividends. Over the last 52 weeks it has traded between 68.80 and 93.22 USD. Past performance does not guarantee future results.
What do analysts think of Ameris Bancorp?
6 analysts cover it; their average recommendation is “Buy” and their average target is 94.17 USD (+19.4% versus the price). It is an estimate, not market data.