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

Health score, competitive moat, risk signals, and key metrics at a glance.

NYSE•Financial Services•Banks - Regional

ExcellentMetricSide Score: 87/100

ProfitabilityProfit25/30

GrowthGrowth20/25

Balance SheetBalance25/25

Cash QualityCash17/20

Price & Volume

Market Cap $6.07B

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.

Moat Signals

Competitive analysis based on 60 quarters of fundamental data

Pricing Power

Strong Moat

Operating margins are expanding at ~46.3%, suggesting durable pricing power and cost discipline.

Competitive Advantage

Moderate Moat

ROE is positive at ~9.7% on average, adequate but below the threshold typically associated with wide moats.

Risk Signals

Data-driven red flags and warnings across 60 quarters

Low Risk

Margin Pressure

Healthy

Margins are stable or improving at ~47.9% — no sign of cost or pricing stress.

Earnings Quality

Healthy

FCF covers net income by 0.9x on average — earnings are well-supported by cash generation.

Leverage Risk

Healthy

D/E ratio is 0.0 — conservative capital structure with low financial risk.

Revenue Decline

Healthy

Revenue is stable or growing over recent quarters — demand appears durable.

Cash Burn

Healthy

Free cash flow is consistently positive — the business self-funds without external capital reliance.

Share Dilution

Healthy

Share count is stable — no significant dilution or buyback activity.

Metrics at a Glance

as of March 2026

Revenue & Profit

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

TTM Revenue: $1.17B
Q. Revenue: $297.81M
TTM EBITDA: $603.84M
TTM Op. Income: $561.55M
Q. Op. Income: $140.72M
TTM Net Income: $434.71M
Q. Net Income: $110.49M
EPS: $1.64
Shares Out.: $67.54M

$1.17B in TTM revenue grew 6.4% YoY, reaching $297.81M last quarter. TTM EBITDA of $603.84M and TTM operating income of $561.55M shows growth is flowing through. Net income of $434.71M TTM confirms the company is converting revenue into profit. Revenue is growing at a healthy pace — a signal to hold.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 49.3%
Op. Margin: 47.3%
Net Margin: 37.1%

Op. margin of 47.3% is up 4.5% YoY — cost efficiency is improving. Net margin at 37.1%.

Price Ratios

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

P/E Ratio: 14.0x
P/S Ratio: 5.2x
P/B Ratio: 1.5x

At 14.0x P/E, the stock trades below market averages — potentially undervalued. P/S of 5.2x and P/B of 1.5x provide additional context. Below-market P/E with growing revenue suggests a potential buying opportunity — the stock may be undervalued relative to its fundamentals.

Assets & Liabilities

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

Total Assets: $28.11B
Cash: $1.33B
Long-Term Debt: $134.80M
Book Value: $4.08B
D/E Ratio: 0.0
Debt/EBITDA: 0.9

With $28.11B in assets and $134.80M in long-term debt, the D/E of 0.0and book value of $4.08B — shows a conservative capital structure — the company has a strong financial cushion to weather downturns.

Cash Flow

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

Op. Cash Flow: $257.15M
TTM Free Cash Flow: $504.89M
FCF Margin: 43.1%
FCF / Net Income: 1.2

TTM FCF of $504.89M on $257.15M in operating cash flow. The FCF / Net Income ratio of 1.2x means earnings are well backed by actual cash — high-quality earnings.