Stock AnalizAmeris Bancorp ABCB
Major Banks · IPO 1994 · data as of November 13, 2026
Ameris Bancorp (ABCB) is a financial company listed in the US with a market value of about $5.6B. In the twelve months to September 30, 2026 it had revenue of $1.3B and net income of $386M, a net margin of 30.4%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 14.5, a price to free cash flow of 8.7, 5-year revenue growth of 2% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 43% below the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- PEG below 1.5
- Profit margin improving
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.2B | $1.1B | $1.1B | $1.1B | $1.0B | $1.1B | $703M | $462M | $365M | $325M |
| Net income | $386M | $412M | $359M | $269M | $347M | $377M | $262M | $161M | $121M | $74M | $72M |
| Free cash flow | $635M | $370M | $141M | $551M | $1.0B | -$16M | $780M | -$952M | -$119M | -$66M | -$81M |
| EPS (diluted) | $5.72 | $6.00 | $5.19 | $3.89 | $4.99 | $5.40 | $3.77 | $2.75 | $2.80 | $1.98 | $2.08 |
| Net margin | 30.4% | 34.1% | 31.4% | 25.0% | 31.9% | 36.9% | 24.2% | 23.0% | 26.2% | 20.2% | 22.2% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $93.00, 12% above the current price; targets range from $87.00 to $100.00; the consensus rating is “Buy”; expected EPS is $6.67 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Ameris Bancorp’s P/E ratio?
About 14.5, based on the last twelve months of diluted earnings per share (forward P/E about 12.1).
Is Ameris Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 43% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Ameris Bancorp pay a dividend?
Yes. The dividend yield is about 0.96%, and it has paid dividends for 10 years in our data.
Is Ameris Bancorp a good stock to buy?
We do not give buy or sell advice. Ameris Bancorp scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.