Ameris Bancorp (ABCB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 1,058 | 991 | 1,049 | 1,043 | 1,104 | 1,208 | 1,246 | - |
| Operating profit | $m | 534 | 485 | ||||||
| Net profit | $m | 262 | 377 | 347 | 269 | 359 | 412 | 376 | 447 |
| EPS reported | $ | 6.00 | 5.53 | ||||||
| Operating cashflow per share | $ | 5.70 | 8.20 | ||||||
| Capex per share | $ | 0.30 | 0.40 | ||||||
| FCF per share | $ | 5.40 | 7.80 | ||||||
| Free cash flow | $m | 370 | 522 | ||||||
| Net debt | $m | 449 | 1,148 | ||||||
| Book value equity | $m | 4,076 | 4,091 | ||||||
| Book value per share | $ | 59.33 | 60.96 | ||||||
| Number of shares | m | 68.71 | 67.1 | ||||||
| DPS (TTM paid) | $ | 0.80 | 1.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.38 | 14.88 | ||||||
| P/B LTM | x | 1.25 | 1.24 | ||||||
| P/S LTM | x | 4.21 | 4.08 | ||||||
| P/FCF LTM | x | 13.75 | 9.74 | ||||||
| EV/EBITDA LTM | x | 9.74 | 10.39 | ||||||
| EV/Sales LTM | x | 3.35 | 4.09 | ||||||
| Earnings Yield LTM | % | +8.08% | +6.72% | ||||||
| FCF Yield | % | +7.27% | +10.27% | ||||||
| Quality | |||||||||
| ROE | % | +10.11% | +9.25% | ||||||
| ROIC | % | +1.50% | +1.32% | ||||||
| Operating margin | % | +32.05% | +28.59% | ||||||
| Gross margin | % | +68.31% | +69.74% | ||||||
| FCF/Sales | % | +22.19% | +30.78% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +15.61% | +6.55% | ||||||
| Sales Growth YoY | % | +9.44% | +12.85% | ||||||
| Net Income Growth YoY | % | +14.91% | +4.92% | ||||||
| FCF Growth | % | +162.69% | +270.94% | ||||||
| Operating Profit Growth | % | +12.17% | +1.90% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.09% | +0.93% | ||||||
| Dividend Growth | % | +23.08% | +53.85% | ||||||
| Payout Ratio | % | +13.40% | +14.58% | ||||||
| FCF/Debt | x | 0.50 | 0.38 | ||||||
| Net Debt/EBITDA | x | 0.85 | 2.14 | ||||||
| EBIT/Net interest | x | 1.17 | 1.08 | ||||||
| Net debt/market cap | % | +13.82% | +23.92% | ||||||
| Net debt/Equity | x | 0.11 | 0.28 | ||||||
| Gross debt/equity | x | 0.18 | 0.34 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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