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Ameris Bancorp

Financial Services US ABCB

85.13USD
2.36(2.85%)

Last update at 2026-06-04T15:42:00Z

Day Range

83.4885.36
LowHigh

52 Week Range

54.6087.75
LowHigh

Fundamentals

  • Previous Close 82.77
  • Market Cap5765.32M
  • Volume104627
  • P/E Ratio14.07
  • Dividend Yield0.94%
  • Revenue TTM1138.62M
  • Revenue Per Share TTM16.64
  • Gross Profit TTM 1138.62M
  • Diluted EPS TTM6.00

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 533.76M 475.86M 356.94M 453.10M 496.11M
Minority interest - - - - -
Net income 412.15M 358.69M 269.11M 346.54M 376.91M
Selling general administrative 393.79M 363.14M 347.05M 319.72M 337.78M
Selling and marketing expenses - 12.61M 11.64M 12.48M 8.43M
Gross profit 1137.71M 1045.01M 899.85M 1085.42M 1017.33M
Reconciled depreciation 38.44M 46.73M 49.69M 19.74M 14.96M
Ebit - 475.86M 356.94M 545.96M 496.11M
Ebitda 533.76M 522.59M 402.87M 565.70M 511.08M
Depreciation and amortization - 46.73M 45.93M 19.74M 14.96M
Non operating income net other - - - - -
Operating income 533.76M 475.86M 356.94M 545.96M 496.11M
Other operating expenses 1131.80M 1157.04M 1130.96M -539.46300M -521.22100M
Interest expense 457.60M 529.09M 445.39M 92.86M 47.78M
Tax provision 121.61M 117.17M 85.69M 106.56M 119.20M
Interest income 1394.53M 1378.28M 1221.86M 893.89M 703.11M
Net interest income 936.92M 849.19M 853.08M 801.03M 655.33M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 121.61M 117.17M 87.83M 106.56M 119.20M
Total revenue 1665.56M 1632.90M 1487.90M 1085.42M 1017.33M
Total operating expenses 603.95M 569.15M 542.92M -539.46300M -521.22100M
Cost of revenue 527.85M 587.89M 588.05M - -
Total other income expense net - 475.86M 354.15M -92.86000M -47.78500M
Discontinued operations - - - - -
Net income from continuing ops 412.15M 358.69M 285.39M 346.54M 376.91M
Net income applicable to common shares - - - 346.54M 376.91M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 27515.88M 26262.05M 25312.83M 25053.29M 23858.32M
Intangible assets 54.82M 70.76M 87.95M 106.19M 125.94M
Earning assets - - - - -
Other current assets 1091.84M - 1173.50M 469.08M 20916.91M
Total liab 23439.85M 22510.53M 21886.08M 21855.89M 866.21M
Total stockholder equity 4076.03M 3751.52M 3426.75M 3197.40M 2966.45M
Deferred long term liab - - - - -
Other current liab 6426.15M 21722.45M 9824.70M - 19665.55M
Common stock 72.90M 72.70M 72.52M 72.26M 72.02M
Capital stock 72.90M 72.70M 72.52M 72.26M 72.02M
Retained earnings 2210.39M 1853.43M 1539.96M 1311.26M 1006.44M
Other liab - - - 319.43M 354.26M
Good will 1015.65M 1015.65M 1015.65M 1015.65M 1012.62M
Other assets 26424.04M 22555.44M 0.00000M 20180.62M 20916.91M
Cash 253.81M 1220.38M 1167.30M 284.57M 264.81M
Cash and equivalents - - - - -
Total current liabilities 535.25M 21722.45M 9835.95M 20928.64M 79.85M
Current deferred revenue - - - - -
Net debt 489.21M -796.28000M -468.88200M 1719.49M 601.40M
Short term debt 535.25M - 11.24M - 79.85M
Short long term debt - - - - -
Short long term debt total 743.02M 424.10M 698.42M 2004.06M 866.21M
Other stockholder equity 1784.43M 1855.51M 1850.21M 1860.38M 1872.41M
Property plant equipment - - - 276.62M 225.40M
Total current assets 333.81M 2891.64M 1173.50M 1784.63M 857.43M
Long term investments 2495.86M 1902.23M 1616.25M 1745.92M 720.02M
Net tangible assets - - - 2075.56M 1827.89M
Short term investments 2207.17M 1671.26M 1402.94M 1500.06M 592.62M
Net receivables 80.00M - - - -
Long term debt 692.34M 424.10M 639.90M 2004.06M 866.21M
Inventory - - - 0.84M 3.89M
Accounts payable - - - 19462.74M 19665.55M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 8.31M -30.11900M -35.93900M -46.50700M 15.59M
Additional paid in capital - - - - -
Common stock total equity - - - - 72.02M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - 1006.44M
Treasury stock - - - - -52.40500M
Accumulated amortization - - - - -
Non currrent assets other 723.12M 913.15M 21316.61M -3088.03900M -2083.98100M
Deferred long term asset charges - - - - -
Non current assets total 27182.07M 23370.41M 24139.33M 3088.04M 2083.98M
Capital lease obligations - - - - -
Long term debt total - - - - 866.21M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -535.11000M -846.68200M -1690.91000M -4874.53000M 266.37M
Change to liabilities - - - 0.00000M 5.83M
Total cashflows from investing activities -1302.80200M -846.68200M -338.19400M -4874.53000M -420.98400M
Net borrowings 265.76M -218.96300M -1365.84500M 1129.58M -302.12100M
Total cash from financing activities 781.16M 745.56M -181.59300M 865.53M 2359.20M
Change to operating activities - - - -6.07900M -6.31300M
Net income 412.15M 358.69M 269.11M 346.54M 376.91M
Change in cash -131.45700M 53.07M 49.17M -2946.52500M 1947.35M
Begin period cash flow 1220.38M 1167.30M 1118.13M 4064.66M 2117.31M
End period cash flow 1088.92M 1220.38M 1167.30M 1118.13M 4064.66M
Total cash from operating activities 390.18M 154.19M 568.96M 1062.47M 9.14M
Issuance of capital stock - - - - -
Depreciation 38.44M 46.73M 45.93M 50.80M 47.93M
Other cashflows from investing activities -747.15300M -568.24000M -468.98900M -49.89900M -148.69100M
Dividends paid 55.25M 41.46M 41.65M -41.61000M -41.79800M
Change to inventory - - 11.05M - 7.00M
Change to account receivables -4.84900M -0.74700M -9.66200M -20.12500M 19.34M
Sale purchase of stock -82.89500M -7.95400M -20.34600M -22.42100M -9.43900M
Other cashflows from financing activities 653.55M 1013.94M 1246.25M 3744.14M 2706.76M
Change to netincome - - - 686.16M -435.73100M
Capital expenditures 20.54M 13.48M 17.53M 13.57M 25.45M
Change receivables - - - - 19.34M
Cash flows other operating - - - - -0.60300M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - 1947.35M
Change in working capital -31.14400M -19.87100M 32.94M -21.02700M 20.03M
Stock based compensation 12.69M 13.44M 9.95M 6.71M 7.95M
Other non cash items -31.40000M -224.71100M 231.50M 715.13M -482.09000M
Free cash flow 369.64M 140.72M 551.43M 1048.90M -16.30800M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
ABCB
Ameris Bancorp		 2.36 2.85% 85.13 14.07 13.00 5.06 1.41 5.50
HDB
HDFC Bank Limited ADR		 0.61 2.61% 24.16 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 0.03 0.08% 30.42 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.22 2.50% 50.10 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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.

Ameris Bancorp

3490 Piedmont Road N.E., Atlanta, GA, United States, 30305

Key Executives

Name Title Year Born
Mr. James B. Miller Jr. Exec. Chairman 1940
Mr. H. Palmer Proctor Jr. CEO & Director 1968
Mr. Lawton E. Bassett III Group Pres & Chief Banking Officer 1969
Ms. Nicole S. Stokes CPA Corp. Exec. VP & CFO 1974
Mr. James Allan LaHaise III Corp. Exec. VP & Chief Strategy Officer 1961
Mr. Jody L. Spencer Esq., J.D. Corp. Exec. VP & Chief Legal Officer 1973
Mr. William D. McKendry Corp. Exec. VP & Chief Risk Officer 1970
Mr. Ross L. Creasy Corp. Exec. VP & Chief Innovation Officer 1975
Mr. Michael T. Pierson Corp. Exec. VP, Chief Governance Officer & Corp. Sec. 1971
Randall Chumley VP of Wholesale Services NA

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