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0.63%
Ameris bancorp
0.23%
Avg of Sector
-0.49%
S&P500
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 165 full service domestic banking offices and 35 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Ameris bancorp (ABCB) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating ABCB's short-term business performance and financial health. For the latest updates on ABCB's earnings releases, visit this page regularly.
According to historical valuation range analysis, Ameris bancorp (ABCB)'s current price-to-earnings (P/E) ratio is 11.96, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Ameris bancorp (ABCB) reported an Operating Profit of 140.73M with an Operating Margin of 33.37% this period, representing a growth of 24.61% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Ameris bancorp (ABCB) announced revenue of 421.69M, with a Year-Over-Year growth rate of 59.75%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
As of the end of the reporting period, Ameris bancorp (ABCB) had total debt of 1.02B, with a debt ratio of 0.04. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
At the end of the period, Ameris bancorp (ABCB) held Total Cash and Cash Equivalents of 1.33B, accounting for 0.05 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Ameris bancorp (ABCB) achieved the “three margins increasing” benchmark, with a gross margin of 74.55%%, operating margin of 33.37%%, and net margin of 26.2%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess ABCB's profit trajectory and future growth potential.
According to the past four quarterly reports, Ameris bancorp (ABCB)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.63. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Ameris bancorp (ABCB)'s Free Cash Flow (FCF) for the period is 101.24M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 19.75% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Ameris bancorp (ABCB) has a Price-To-Earnings (PE) ratio of 11.96 and a Price/Earnings-To-Growth (PEG) ratio of 4.75. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.