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Ameris Bancorp ABCB

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83.07 USD -1.05 (-1.25%)

At closeNov 4, 2026, 8:06 AM EST

83.71 +0.64 +0.77%

Pre-market · Nov 4, 8:06 AM ET

82.83 Day range 84.43
69.58 52-week range 93.22
YTD
+11.85%
1 year
+14.91%

Financial health

Altman Z-Score

0.38 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 12.3×
FY 2016: 20.8×FY 2017: 24.1×FY 2018: 11.3×FY 2019: 15.4×FY 2020: 10.1×FY 2021: 9.1×FY 2022: 9.4×FY 2023: 13.6×FY 2024: 12.0×FY 2025: 12.3×
FY 2016 5y median 12.0× FY 2025
P/S 3.1×
FY 2016: 4.4×FY 2017: 4.5×FY 2018: 2.6×FY 2019: 3.0×FY 2020: 2.3×FY 2021: 3.3×FY 2022: 2.9×FY 2023: 2.5×FY 2024: 2.6×FY 2025: 3.1×
FY 2016 5y median 2.9× FY 2025
P/B 1.2×
FY 2016: 2.3×FY 2017: 2.2×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 1.0×FY 2021: 1.2×FY 2022: 1.0×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.2×
FY 2016 5y median 1.1× FY 2025
P/FCF 13.8×
FY 2016: -18.5×FY 2017: -26.8×FY 2018: -11.5×FY 2019: -2.6×FY 2020: 3.4×FY 2021: -212×FY 2022: 3.1×FY 2023: 6.6×FY 2024: 30.6×FY 2025: 13.8×
FY 2016 5y median 6.6× FY 2025
EV/EBITDA 9.7×
FY 2016: 16.2×FY 2017: 13.2×FY 2018: 5.7×FY 2019: 13.6×FY 2020: 2.8×FY 2021: 0.5×FY 2022: 8.2×FY 2023: 7.8×FY 2024: 6.7×FY 2025: 9.7×
FY 2016 5y median 7.8× FY 2025
EV/Sales 3.3×
FY 2016: 5.7×FY 2017: 4.6×FY 2018: 1.8×FY 2019: 4.2×FY 2020: 1.0×FY 2021: 0.3×FY 2022: 3.6×FY 2023: 2.1×FY 2024: 2.1×FY 2025: 3.3×
FY 2016 5y median 2.1× FY 2025
FCF Yield 7.3%
FY 2016: -5.4%FY 2017: -3.7%FY 2018: -8.7%FY 2019: -38.3%FY 2020: 29.6%FY 2021: -0.5%FY 2022: 32.2%FY 2023: 15.1%FY 2024: 3.3%FY 2025: 7.3%
FY 2016 5y median 7.3% FY 2025

Profitability

Gross Margin 68.3%
FY 2016: 93.0%FY 2017: 89.2%FY 2018: 83.6%FY 2019: 81.6%FY 2020: 79.6%FY 2021: 98.8%FY 2022: 85.6%FY 2023: 60.5%FY 2024: 64.0%FY 2025: 68.3%
FY 2016 5y median 68.3% FY 2025
Operating Margin 32.0%
FY 2016: 31.1%FY 2017: 31.4%FY 2018: 28.7%FY 2019: 25.8%FY 2020: 29.7%FY 2021: 47.8%FY 2022: 39.7%FY 2023: 24.0%FY 2024: 29.1%FY 2025: 32.0%
FY 2016 5y median 32.0% FY 2025
Net Margin 24.7%
FY 2016: 21.3%FY 2017: 18.6%FY 2018: 22.9%FY 2019: 19.7%FY 2020: 22.8%FY 2021: 36.3%FY 2022: 30.4%FY 2023: 18.1%FY 2024: 22.0%FY 2025: 24.7%
FY 2016 5y median 24.7% FY 2025
ROE 10.1%
FY 2016: 11.2%FY 2017: 9.1%FY 2018: 8.3%FY 2019: 6.5%FY 2020: 9.9%FY 2021: 12.7%FY 2022: 10.8%FY 2023: 7.9%FY 2024: 9.6%FY 2025: 10.1%
FY 2016 5y median 10.1% FY 2025
ROIC 1.5%
FY 2016: 5.5%FY 2017: 6.0%FY 2018: 6.7%FY 2019: 3.8%FY 2020: 7.5%FY 2021: 9.0%FY 2022: 6.2%FY 2023: 6.0%FY 2024: 7.9%FY 2025: 1.5%
FY 2016 5y median 6.2% FY 2025
ROA 1.5%
FY 2016: 1.0%FY 2017: 0.9%FY 2018: 1.1%FY 2019: 0.9%FY 2020: 1.3%FY 2021: 1.6%FY 2022: 1.4%FY 2023: 1.1%FY 2024: 1.4%FY 2025: 1.5%
FY 2016 5y median 1.4% FY 2025

Growth (YoY)

Revenue 2.0%
FY 2016: 31.1%FY 2017: 16.7%FY 2018: 33.5%FY 2019: 55.3%FY 2020: 39.9%FY 2021: -9.4%FY 2022: 9.9%FY 2023: 30.4%FY 2024: 9.7%FY 2025: 2.0%
FY 2016 FY 2025
Operating Income 12.2%
FY 2016: 85.5%FY 2017: 18.1%FY 2018: 21.9%FY 2019: 39.7%FY 2020: 60.8%FY 2021: 45.8%FY 2022: -8.7%FY 2023: -21.2%FY 2024: 33.3%FY 2025: 12.2%
FY 2016 FY 2025
EPS (diluted) 15.6%
FY 2016: 63.8%FY 2017: -4.8%FY 2018: 41.4%FY 2019: -1.8%FY 2020: 37.1%FY 2021: 43.2%FY 2022: -7.6%FY 2023: -22.0%FY 2024: 33.4%FY 2025: 15.6%
FY 2016 FY 2025
Free Cash Flow 162.7%
FY 2016: -113.6%FY 2017: 17.9%FY 2018: -79.1%FY 2019: -701.1%FY 2020: 182.0%FY 2021: -102.1%FY 2022: 6531.8%FY 2023: -47.4%FY 2024: -74.5%FY 2025: 162.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.6×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.6×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.6×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 1.0×FY 2017: 0.5×FY 2018: 0.2×FY 2019: 0.6×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.6×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 0.9×
FY 2016: 3.6×FY 2017: 0.3×FY 2018: -2.3×FY 2019: 3.8×FY 2020: -3.9×FY 2021: -5.8×FY 2022: 1.7×FY 2023: -1.3×FY 2024: -1.5×FY 2025: 0.9×
FY 2016 5y median -1.3× FY 2025
Interest Coverage 1.2×
FY 2016: 5.3×FY 2017: 3.6×FY 2018: 2.2×FY 2019: 1.6×FY 2020: 3.8×FY 2021: 10.4×FY 2022: 4.9×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 1.1%
FY 2016: 0.6%FY 2017: 0.8%FY 2018: 1.2%FY 2019: 1.0%FY 2020: 1.6%FY 2021: 1.2%FY 2022: 1.3%FY 2023: 1.1%FY 2024: 1.0%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025
Payout Ratio 13.4%
FY 2016: 11.9%FY 2017: 19.9%FY 2018: 13.6%FY 2019: 15.3%FY 2020: 15.9%FY 2021: 11.1%FY 2022: 12.0%FY 2023: 15.5%FY 2024: 11.6%FY 2025: 13.4%
FY 2016 5y median 12.0% FY 2025

Annual · latest fiscal year ends 2025-12-31