ABCB Ameris Bancorp - Fundamental Analysis
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ABCB Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$80.44
Analyst Target
$83.29
+3.5%
Upside
52W High
$83.64
52W Low
$48.27
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$5.52B
P/E
14.34
ROE
10.3%
Profit margin
35.2%
Debt/Equity
N/A
Dividend yield
0.97%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
ABCB exhibits mixed financial health with a Piotroski F-Score of 4/9 indicating stable but not strong fundamentals, and no available Altman Z-Score limits distress risk assessment. The stock trades below its growth-based intrinsic value of $97.33 at $80.44, supported by strong profitability margins and consistent earnings beats, though recent Q/Q EPS decline and weak technical trend raise concerns. Valuation remains attractive relative to sector peers with a P/E of 14.34 vs. sector average of 21.22, while low dividend strength and lack of insider activity temper bullishness. Growth is moderate with 6.9% YoY earnings growth, but technical indicators and near-term deceleration suggest caution despite solid historical performance.
Key Strengths
Profitability margins are exceptional: 35.23% net margin and 48.33% operating margin significantly outperform sector averages.
Valuation is favorable versus peers: P/E of 14.34 well below sector average of 21.22, suggesting potential undervaluation.
Consistent earnings beat record: 3 out of last 4 quarters beat estimates, with strong average surprise of 11.82% over recent periods.
Low payout ratio of 13.86% provides substantial dividend sustainability and reinvestment capacity.
Trading below growth-based intrinsic value ($97.33) offers margin of safety at current price of $80.44.
Key Risks
Piotroski F-Score of 4/9 indicates only stable financial health, limiting confidence in operational strength and raising concerns about balance sheet transparency (missing D/E, cash/debt data).
Technical trend score of 10/100 signals strong bearish momentum near term, conflicting with long-term fundamentals.
Most recent Q/Q EPS growth declined by 3.8%, indicating potential near-term earnings deceleration.
Gross margin reported as 0.00%, which is atypical for a bank and may indicate data anomaly or structural issue in revenue recognition.
No Altman Z-Score available prevents proper assessment of bankruptcy risk, a critical gap for financial institutions.
AI Fair Value Estimate
Based on comprehensive analysis
$92.0
+14.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
64
Strong
80
60
75
50
55
AI Verdict
Moderately positive with caution due to health data gaps and technical weakness.
Key drivers: Attractive valuation relative to sector, Strong historical earnings performance, High profitability margins, Lack of balance sheet metrics, Bearish technical trend
Confidence
75%
Value
80/100
Ref P/E, PEG, Graham Number
Positives
- Current price ($80.44) below Graham Number ($86.15) and intrinsic value ($97.33)
- P/E of 14.34 below sector average of 21.22
- Forward P/E of 12.85 suggests improving earnings outlook
Watchpoints
- Price/Sales of 4.88 is high for a regional bank, indicating possible premium pricing
Future
60/100
Ref Growth rates
Positives
- Forward P/E decline suggests earnings growth expectations
- 6.9% YoY earnings growth supports future earnings trajectory
Watchpoints
- Most recent Q/Q EPS growth down 3.8%
- No PEG ratio due to missing growth forecast inputs
- Revenue growth at only 5.0% YoY, modest for sector
Past
75/100
Ref Historical trends
Positives
- 10 of last 12 quarters beat estimates
- Long-term earnings progression shows resilience and recovery post-2020 volatility
- 5-year price return of +96.5% outperforms broader market
Watchpoints
- Earnings surprises have trended downward from 2020 highs
- Two significant misses in 2023 (Q2 and Q3)
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 indicates stable, not distressed, financial condition
Watchpoints
- No Altman Z-Score available — critical red flag for financial firms
- Missing Debt/Equity, Current Ratio, ROIC, and cash/debt figures limits health assessment
- ROA of 1.49% is low for a bank, suggesting inefficient asset use
Dividend
55/100
Ref Yield, Payout
Positives
- Payout ratio of 13.86% is very low, indicating high sustainability
Watchpoints
- Dividend yield of 0.97% is below sector average and unattractive for income investors
- Dividend Strength score of 25/100 reflects weak yield and growth history
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$80.44
Analyst Target
$83.29
Upside/Downside
+3.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ABCB and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ABCB
Ameris Bancorp
Primary
|
+96.5% | +75.1% | +26.8% | +21.8% | +5.3% | +0.6% |
|
AUB
Atlantic Union Bankshares Corporation
Peer
|
+28.3% | +15.2% | +10.9% | +20.1% | +6.3% | +1.4% |
|
AVAL
Grupo Aval Acciones y Valores S.A.
Peer
|
-3.3% | +123.2% | +108.0% | +59.6% | +9.6% | +8.1% |
|
AX
Axos Financial, Inc.
Peer
|
+123.1% | +117.6% | +29.3% | +8.3% | +3.2% | -2.9% |
|
ACT
Enact Holdings, Inc.
Peer
|
+149.7% | +87.9% | +27.7% | +7.5% | +6.2% | -4.3% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
14.34
Forward P/E
12.85
PEG Ratio
N/A
P/B Ratio
1.37
P/S Ratio
4.88
EV/Revenue
4.33
EV/EBITDA
N/A
Market Cap
$5.52B
Profitability
Profit margins and return metrics
Profit Margin
35.23%
Operating Margin
48.33%
Gross Margin
N/A
ROE
10.35%
ROA
1.49%
Growth
Revenue and earnings growth rates
Revenue Growth
+5.0%
Earnings Growth
+6.9%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+6.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$15.51
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-29
$N/A
2025-10-27
$1.53
+4.1% surprise
2025-07-28
$1.59
+19.2% surprise
2025-04-28
$1.28
+12.1% surprise
Financial Services Sector Comparison
Comparing ABCB against 208 companies in the Financial Services sector
(6 bullish, 111 neutral, 91 bearish)
P/E Ratio
14.34
This Stock
vs
30.39
Sector Avg
-52.8%
(Discount)
Return on Equity (ROE)
10.35%
This Stock
vs
-7.57%
Sector Avg
-236.6%
(Below Avg)
Profit Margin
35.23%
This Stock
vs
83.86%
Sector Avg
-58.0%
(Weaker)
Revenue Growth
5.0%
This Stock
vs
30.29%
Sector Avg
-83.5%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ABCB
Ameris Bancorp
|
NEUTRAL | $5.52B | 14.34 | 10.3% | 35.2% | $80.44 | |
|
AUB
Atlantic Union Bankshares...
|
NEUTRAL | $5.54B | 19.53 | 6.7% | 22.2% | $38.87 | |
|
AVAL
Grupo Aval Acciones y Valores S.A.
|
BEARISH | $5.58B | 12.65 | 9.2% | 12.3% | $4.68 | |
|
AX
Axos Financial, Inc.
|
NEUTRAL | $5.2B | 12.94 | 16.7% | 36.0% | $91.75 | |
|
ACT
Enact Holdings, Inc.
|
NEUTRAL | $6.11B | 9.17 | 13.0% | 54.6% | $41.43 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-07 | PROCTOR H PALMER JR | Chief Executive Officer | Gift | 5,013 | - |
| 2025-11-07 | BASSETT LAWTON E III | Officer | Gift | 3,000 | - |
| 2025-09-15 | STERN WILLIAM H | Director | Purchase | 320 | $23,750 |
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
7 analysts
Truist Securities
2025-11-25
Hold
Keefe, Bruyette & Woods
2025-10-31
Outperform
Outperform
Raymond James
2025-10-29
Outperform
Outperform
Piper Sandler
2025-10-29
Overweight
Overweight
DA Davidson
2025-07-30
Buy
Buy
Past News Coverage
Recent headlines mentioning ABCB from our newsroom.
Newest → oldest
No matching news yet.