Ameris Bancorp
- Open
- 92.03
- Day high
- 92.40
- Day low
- 90.56
- Prev close
- 92.31
- Volume
- 325K
- Mkt cap
- $6.1B
- P/E (TTM)
- 14.3
- EPS (TTM)
- $6.37
- P/B
- 1.5
- P/S
- 3.7
- Yield
- 0.88%
- Per share
- $0.80
Ameris Bancorp (ABCB) is a Financial Services company listed on NYSE. The stock is up 36% over the past year.
Ameris Bancorp (ABCB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 5 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
ABCB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $1.54 | $1.63 | +5.8% | $314M | +1.6% |
| Jan 29, 2026 | $1.56 | $1.59 | +1.9% | $307M | +0.1% |
| Jan 30, 2025 | $1.20 | $1.38 | +15.0% | $291M | +5.3% |
| Oct 24, 2024 | $1.26 | $1.38 | +9.5% | $285M | -0.7% |
| Jul 25, 2024 | $1.14 | $1.17 | +2.6% | $290M | +6.3% |
| Apr 25, 2024 | $1.04 | $1.10 | +5.8% | $257M | -3.9% |
| Jan 25, 2024 | $1.10 | $1.07 | -2.7% | $253M | -4.3% |
| Oct 26, 2023 | $1.13 | $1.16 | +2.7% | $263M | -3.8% |
| Jul 27, 2023 | $1.13 | $0.91 | -19.5% | $267M | +1.3% |
| Apr 27, 2023 | $1.18 | $0.87 | -26.3% | $259M | -4.6% |
| Jan 26, 2023 | $1.34 | $1.18 | -11.9% | $264M | -6.2% |
| Oct 27, 2022 | $1.33 | $1.34 | +0.8% | $269M | -2.8% |
ABCB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 24, 2026 | Bullard Rodney Ddirector | Grant | 214 | $87.48 |
| Jun 24, 2026 | STERN WILLIAM Hdirector | Grant | 272 | $87.48 |
| May 26, 2026 | STERN WILLIAM Hdirector | Grant | 1,003 | — |
| May 26, 2026 | HILL LEO Jdirector | Grant | 1,003 | — |
| May 26, 2026 | MILLER JAMES B JRdirector | Grant | 1,003 | — |
| May 26, 2026 | LYNCH ROBERT Pdirector | Grant | 1,003 | — |
| May 26, 2026 | Choate William Millarddirector | Grant | 1,003 | — |
| May 26, 2026 | Bowen William I. Jr.director | Grant | 1,003 | — |
| May 26, 2026 | Bullard Rodney Ddirector | Grant | 1,003 | — |
| May 26, 2026 | JETER DANIEL Bdirector | Grant | 1,003 | — |
| May 26, 2026 | McLean Claire Edirector | Grant | 1,003 | — |
| Mar 10, 2026 | HILL LEO Jdirector | Sell | 0 | $75.15 |
| Mar 10, 2026 | HILL LEO Jdirector | Sell | 0 | $75.15 |
| Feb 26, 2026 | PROCTOR H PALMER JRdirector, officer: CEO | Tax | 3,198 | $79.35 |
| Feb 26, 2026 | Bassett Lawton E IIIofficer: Bank President | Tax | 615 | $79.35 |
Source: ABCB SEC Form 4 filings, latest Jun 24, 2026. For informational purposes only — not investment advice.
See the full ABCB insider & 13F page →Ameris Bancorp company profile
Overview
Ameris Bancorp (NYSE:ABCB) is a regional bank holding company founded in 1971 and headquartered in Atlanta, Georgia. The company went public in 1994 and operates as the parent company of Ameris Bank, which provides comprehensive banking services across the Southeastern United States, primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. With $26.5 billion in total assets as of March 2025, Ameris has grown into a significant regional banking institution through both organic expansion and strategic acquisitions, operating 165 full-service banking offices and 35 mortgage and loan production offices throughout its footprint.
Business
Ameris Bancorp operates as a diversified regional bank holding company through five distinct business segments that collectively serve retail and commercial customers across the Southeast. The banking industry involves accepting deposits from customers and lending those funds to borrowers, earning profits from the difference between interest paid on deposits and interest earned on loans, known as the net interest margin. The company's Banking Division represents its core commercial and retail banking operations, generating approximately 73% of net income. This segment offers traditional banking products including checking and savings accounts, certificates of deposit, money market accounts, and individual retirement accounts. On the lending side, it provides commercial real estate loans, residential mortgages, agricultural financing, commercial and industrial loans, and various consumer credit products including auto loans, home improvement financing, and home equity lines of credit. The Retail Mortgage Division originates residential mortgage loans primarily for sale in the secondary market, generating fee income through loan origination and gain-on-sale activities. This division operates across the company's geographic footprint and benefits from the Southeast's growing population and robust housing market. The Warehouse Lending Division provides short-term financing to mortgage originators, allowing them to fund loans before selling them to permanent investors. This business generates fee income and serves as a complement to the retail mortgage operations. The SBA Division specializes in originating, servicing, and selling Small Business Administration guaranteed loans. These government-backed loans allow the bank to serve small business customers while reducing credit risk through SBA guarantees, with a portion of loans typically sold to generate fee income. The Premium Finance Division originates and services commercial insurance premium financing loans, allowing businesses to finance their insurance premiums rather than paying them upfront. This specialized lending niche provides diversified revenue streams and serves commercial customers across multiple states.
Revenue model
Ameris Bancorp generates revenue through multiple complementary business models centered around traditional banking intermediation. The primary revenue source is net interest income, which represents the difference between interest earned on loans and investments and interest paid on deposits and borrowings. With a net interest margin of approximately 3.50-3.64%, the bank earns money by lending deposits at higher rates than it pays depositors. Fee-based income provides significant revenue diversification through mortgage banking activities, where the company earns origination fees and gain-on-sale premiums when selling mortgages to secondary market investors. The mortgage division typically achieves gain-on-sale margins of 2.25-2.40%. The SBA division generates similar fee income by selling the guaranteed portions of SBA loans, while the premium finance division earns fees from insurance premium lending. The company's paying customers include retail depositors seeking banking services, commercial borrowers requiring financing, homebuyers needing mortgages, small businesses seeking SBA loans, and commercial entities requiring insurance premium financing. Revenue growth depends on expanding both the customer base and the volume of services provided to existing customers. Margin expansion factors include rising interest rates (which typically benefit asset-sensitive banks like Ameris), loan portfolio growth, favorable deposit mix shifts toward non-interest-bearing accounts, and operational efficiency improvements. Margin compression factors include deposit competition driving up funding costs, loan repricing lags during rate cycles, credit losses requiring provisions, and competitive pressure on loan yields. The company's efficiency ratio of approximately 51-55% indicates strong expense management, though rising regulatory compliance costs and technology investments create ongoing expense pressures.
Competitive moat
Ameris Bancorp operates with a moderate competitive moat primarily derived from its established market presence and relationship-based banking model in the Southeastern United States. The company's competitive advantages include strong local market knowledge, established customer relationships built over decades, and a diversified business model that reduces dependence on any single revenue stream. The bank's geographic concentration in high-growth Southeastern markets provides demographic tailwinds, as these regions continue experiencing population and economic growth. The company's scale within its markets, with 165 banking offices, creates operational efficiencies and brand recognition that smaller competitors struggle to match. However, the banking industry faces significant competitive pressures that limit moat strength. Large national banks possess superior technology platforms, broader product offerings, and lower funding costs due to their scale. Credit unions benefit from tax advantages and can offer more competitive rates. Fintech companies increasingly compete for deposits and payments, while online banks offer higher deposit rates without branch networks. Regulatory barriers provide some protection by making banking licenses difficult to obtain and requiring substantial capital commitments, but these same regulations also increase compliance costs and operational complexity. The company's moat is further challenged by the commoditized nature of basic banking services and the increasing importance of technology and digital capabilities, where regional banks often lag behind larger competitors. The most significant disruption risks come from continued fintech innovation in payments and lending, potential economic downturns that could impair credit quality, and the ongoing trend toward digital banking that reduces the value of physical branch networks.
Risks & safety
Ameris Bancorp presents a moderate margin of safety with solid capital levels but typical banking sector risks. Solvency and Capital Position: 1. Common Equity Tier 1 ratio of 12.9% (well above regulatory minimums) 2. Tangible Common Equity ratio of 10.8% (strong capital buffer) 3. Total assets of $26.5 billion with minimal debt-to-equity ratio 4. Loan loss reserves at 1.67% of total loans (adequate coverage) 5. Cash and short-term investments of $253 million (limited liquidity buffer) Valuation Metrics: 1. Price-to-earnings ratio of 11.3x (reasonable for regional bank) 2. Price-to-book ratio of 1.04x (trading near book value) 3. Return on equity of 2.3% (below historical norms but improving) 4. Return on assets of 1.36% (solid for regional bank) Other Considerations: Banking sector inherently carries credit risk, interest rate sensitivity, and regulatory risk. The company's geographic concentration in the Southeast provides growth opportunities but also creates regional economic exposure.
Recent development
Over the past few years, Ameris Bancorp has focused on strategic optimization and operational efficiency rather than major business model changes. The company has emphasized maintaining strong capital levels while selectively deploying resources for organic growth opportunities. Key strategic initiatives include significant investment in commercial banking talent, with management reporting the hiring of 24 new commercial bankers while removing 24 underperforming ones to upgrade the sales force. The company has also invested in treasury management capabilities to drive non-interest-bearing deposit growth, achieving 15% annualized growth in this valuable funding source. Capital management evolution has been notable, with the company increasing its quarterly dividend by 33% from $0.15 to $0.20 per share in 2024, reflecting confidence in earnings sustainability. The company moved its stock listing to the New York Stock Exchange, enhancing its profile and accessibility to institutional investors. Portfolio management has involved strategic sales of mortgage servicing rights (MSR) to optimize capital allocation and reduce interest rate risk. The company has also maintained discipline around its equipment finance portfolio, keeping it below 10% of total assets while expecting normalized loss rates. Geographic and market focus has remained consistent, with continued emphasis on high-growth Southeastern markets. The company has expressed interest in selective M&A opportunities that would enhance its market position, particularly targeting institutions with strong core deposit bases and cultural alignment, though no major acquisitions have been completed recently.
ABCB company profile · for informational purposes only — not investment advice.
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