ABCB
Ameris Bancorp
Next earnings Jul 27, 2026 · consensus $1.69 EPS, $330M rev
Last earnings +0.9% on 2026-04-23
$90.12
▼ -0.25%$90.12▲ +40.36%
over 1Y
L $64.19H $91.00
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today-0.3%
1W-0.3%
1M+6.5%
3M+14.9%
YTD+22.1%
1Y+40.4%
Buy
Conviction
Horizon
Long (>12mo)
12-mo target
$•••
Street · 13 analysts
Buy
Well-run Southeastern regional bank compounding earnings in the mid-teens with a 10% ROE, trading at a reasonable ~15x — quality at a fair price.
Net income $412M · FY2025
The read
Quality fundamentals and an attractive price line up (~105% below fair value) — the rarer case where both the business and the entry look good.
Ameris Bancorp is a Southeastern US regional bank ($27.5B in assets) with a diversified franchise across community banking, mortgage and specialty lending in fast-growing Sunbelt markets. The bank is executing well: net income rose 14.9% to $412M and diluted EPS grew 15.6% to $6.00, recovering strongly from the FY2023 dip ($269M) and exceeding its FY2021 level. A 10.1% ROE is healthy for a bank of this size, equity grew 8.6% to $4.08B, and retained earnings jumped 19.3% to $2.21B — the bank is building capital while growing earnings.
Capital return is improving: the dividend rose 33.3% to $55.3M and the share count fell 1.7%. Operating cash flow more than doubled to $390M (+153.0%), and the 5.75x liabilities/equity is normal bank leverage. The balance-sheet trajectory is sound, with capital accreting faster than the asset base.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 4:56 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $377M | $347M | $269M | $359M | $412M |
| Diluted EPS | $5.40 | $4.99 | $3.89 | $5.19 | $6.00 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF16.4
PEG (trailing)1.01
Earnings yield6.8%
FCF yield6.1%
Quality & risk
ROIC (est.)—
Free cash flow$370M
Total debt—
Net cash$1.09B
Capital returns
Buyback yield—
Dividend yield (est.)0.9%
Shareholder yield0.9%
Shares Δ YoY-1.7%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-222026-06-24open ↗4Period ending 2026-06-222026-06-24open ↗11-KPeriod ending 2025-12-312026-06-23open ↗8-KPeriod ending 2026-06-182026-06-18open ↗8-KPeriod ending 2026-06-122026-06-12open ↗8-KPeriod ending 2026-05-212026-05-26open ↗4Period ending 2026-05-212026-05-26open ↗4Period ending 2026-05-212026-05-26open ↗4Period ending 2026-05-212026-05-26open ↗4Period ending 2026-05-212026-05-26open ↗4Period ending 2026-05-212026-05-26open ↗4Period ending 2026-05-212026-05-26open ↗
Frequently asked
- Is Ameris Bancorp (ABCB) a buy?
- ABCB currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Well-run Southeastern regional bank compounding earnings in the mid-teens with a 10% ROE, trading at a reasonable ~15x — quality at a fair price.
- What is ABCB's fair value?
- A Modified-Graham model based on ABCB's SEC fundamentals estimates a fair value of about $185.16. It is an estimate from reported earnings, not a price target.
- Is ABCB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, ABCB currently appears undervalued relative to its SEC-grounded earnings power.
- What is Ameris Bancorp's quality score?
- ABCB scores 76.70868406248813/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000351569, latest 10-Q filed 2026-05-08) · EODHD · Proprietary analysis · as of 6/21/2026, 8:56:17 PM.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.