Ameris Bancorp (ABCB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Ameris Bancorp

NYSE•Financial Services•Banks - Regional

$83.29-0.43(-0.01%)Market open

Market Cap

$5.55B

P/E

14.8x

P/S

4.4x

P/B

1.4x

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various 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, 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 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. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

How this company scores

WeakMetricSide Score: 68/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Profitability (12/25).

Profitability12/25

Growth15/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowStrong marginsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.8x5y range 7.7x – 14.8x

Currently above its 20-quarter median.

P/S · 4.4x5y range 2.2x – 4.4x

Currently above its 20-quarter median.

P/B · 1.4x5y range 0.7x – 1.4x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 11.5% — watch for continued compression, which may signal competitive or cost pressure.

Price & Volume

Market Cap $5.55B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.26B
Q. Revenue: $326.02M
TTM EBITDA: $524.26M
TTM Op. Income: $484.91M
Q. Op. Income: $66.05M
TTM Net Income: $376.32M
Q. Net Income: $51.45M
EPS: $0.77
Shares Out.: $66.88M

$1.26B in TTM revenue grew 8.7% YoY, reaching $326.02M last quarter. TTM EBITDA of $524.26M and TTM operating income of $484.91M show growth is flowing through to the bottom line. TTM net income of $376.32M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 21.8%
Op. Margin: 20.3%
Net Margin: 15.8%

Op. margin of 20.3% is down 27.2% YoY — costs are rising relative to revenue. Net margin at 15.8% Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.8x
P/S Ratio: 4.4x
P/B Ratio: 1.4x

At 14.8x P/E, the stock trades below typical market levels. P/S of 4.4x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 30% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $28.49B
Cash: $1.20B
Long-Term Debt: $135.30M
Book Value: $4.09B
D/E Ratio: 0.0
Debt/EBITDA: 1.9

With $28.49B in assets and $135.30M in long-term debt, D/E is 0.0and book value is $4.09B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has risen for 2 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $79.42M
TTM Free Cash Flow: $521.98M
FCF Margin: 41.4%
FCF / Net Income: 1.4

TTM FCF of $521.98M on $79.42M in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.