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Ameris Bancorp

Ameris Bancorp

ABCB · NYSE · Financial Services / Banks - Regional

82.85USD+0.35 (+0.42%)

Price History

Full chart

Market Stats

Previous Close82.50
Open83.05
Day Range81.96 – 83.09
52-Week Range68.29 – 93.22
Volume291.50K
Market Cap5.52B
P/E (TTM)14.88
Forward P/E13.00
EPS5.53
Dividend Yield0.98%
Beta0.92
50-Day Avg86.66
200-Day Avg83.28

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. H. Palmer Proctor Jr.
  • Employees2.65K
  • Headquarters3490 Piedmont Road N.E., Atlanta, GA, United States, 30305, USA
  • Websitehttps://www.amerisbank.com

Leadership

  • Mr. James B. Miller Jr.Executive Chairman · b. 1940
  • Mr. H. Palmer Proctor Jr.Vice Chairman & CEO · b. 1968
  • Ms. Nicole S. Stokes CPACorporate Executive VP & CFO · b. 1974
  • Mr. Ross L. CreasyCorporate Executive VP & Chief Information Officer · b. 1974
  • Mr. Lawton E. Bassett IIIChief Banking Officer & Bank President · b. 1969
  • Mr. Jody L. Spencer Esq., J.D.Corporate Executive VP & Chief Legal Officer · b. 1972

Financials

Income Statement

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue24.30M45.90M57.10M66.40M69.60M67.90M77.19M84.64M86.96M79.20M77.39M93.07M143.37M163.67M148.16M134.36M139.67M167.01M144.90M157.38M213.90M258.27M338.69M395.31M527.72M819.61M1.15B1.04B1.14B1.49B1.63B1.67B
Growth (%)-+88.89%+24.40%+16.29%+4.82%-2.44%+13.68%+9.65%+2.74%-8.92%-2.28%+20.26%+54.05%+14.16%-9.48%-9.31%+3.95%+19.58%-13.24%+8.62%+35.91%+20.75%+31.14%+16.72%+33.50%+55.31%+39.94%-9.45%+9.90%+30.35%+9.75%+2.00%
Cost of Revenue8.40M18.60M24.20M28.70M31.90M26.80M32.52M39.47M33.72M26.09M21.16M28.59M56.99M82.32M91.37M82.62M80.31M60.28M46.16M21.62M20.33M20.12M23.79M42.59M86.60M150.99M234.13M12.42M164.56M588.05M587.89M527.85M
Gross Profit15.90M27.30M32.90M37.70M37.70M41.10M44.67M45.17M53.24M53.11M56.23M64.48M86.39M81.35M56.78M51.74M59.35M106.73M98.74M135.76M193.57M238.15M314.91M352.73M441.12M668.62M912.86M1.03B976.89M899.85M1.05B1.14B
Gross Margin65.43%59.48%57.62%56.78%54.17%60.53%57.87%53.37%61.22%67.06%72.66%69.29%60.25%49.70%38.33%38.51%42.50%63.91%68.14%86.26%90.50%92.21%92.98%89.23%83.59%81.58%79.59%98.80%85.58%60.48%64.00%68.31%
Operating Expense11.60M18.10M22.90M27.20M28.10M27.80M30.23M30.84M37.81M35.15M36.51M43.61M53.13M58.90M62.75M86.23M66.54M75.09M77.02M106.46M137.36M181.41M209.66M228.44M289.63M457.04M572.61M530.11M523.79M542.92M569.15M603.95M
Operating Income4.30M9.20M10.00M10.50M9.60M13.30M14.44M14.32M15.43M17.96M19.72M20.88M33.26M22.45M-5.97M-34.49M-7.18M31.65M21.72M29.30M56.20M56.74M105.25M124.28M151.49M211.58M340.24M496.11M453.10M356.94M475.86M533.76M
Operating Margin17.70%20.04%17.51%15.81%13.79%19.59%18.71%16.93%17.75%22.68%25.48%22.43%23.20%13.72%-4.03%-25.67%-5.14%18.95%14.99%18.62%26.28%21.97%31.07%31.44%28.71%25.82%29.66%47.77%39.70%23.99%29.14%32.05%
EBITDA5.40M10.90M12.10M13.20M12.60M16.30M17.82M18.55M19.88M21.21M22.65M24.17M37.29M26.81M-1.44M-30.25M-2.85M37.04M28.11M35.66M65.18M68.54M119.14M137.41M171.02M252.68M395.36M544.04M506.72M402.87M522.59M572.20M
EBITDA Margin22.22%23.75%21.19%19.88%18.10%24.01%23.09%21.92%22.86%26.78%29.27%25.97%26.01%16.38%-0.97%-22.52%-2.04%22.18%19.40%22.65%30.47%26.54%35.18%34.76%32.41%30.83%34.47%52.38%44.39%27.08%32.00%34.35%
Net Income3.10M6.40M7.20M7.40M6.90M9.00M10.10M9.63M10.36M12.01M13.10M13.73M22.13M15.15M-3.92M-41.79M-3.99M21.09M14.44M20.02M38.72M40.85M72.10M73.55M121.03M161.44M261.99M376.91M346.54M269.11M358.69M412.15M
Net Income Margin12.76%13.94%12.61%11.14%9.91%13.25%13.08%11.38%11.91%15.16%16.93%14.75%15.43%9.26%-2.64%-31.10%-2.86%12.63%9.96%12.72%18.10%15.82%21.29%18.61%22.93%19.70%22.84%36.29%30.36%18.09%21.97%24.75%
R&D-----------------00000000-------
R&D as % of Total Revenue-----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense7.80M17.40M22.30M26.00M26.40M24.60M30.80M34.90M28.14M22.14M19.38M26.93M54.15M71.00M56.34M40.55M29.79M27.55M15.07M10.14M14.68M14.86M19.69M34.22M69.93M131.23M88.75M47.78M92.86M445.39M529.09M457.60M
Interest Expense % of Total Revenue32.10%37.91%39.05%39.16%37.93%36.23%39.91%41.24%32.37%27.96%25.04%28.94%37.77%43.38%38.03%30.18%21.33%16.49%10.40%6.44%6.86%5.75%5.81%8.66%13.25%16.01%7.74%4.60%8.14%29.93%32.40%27.47%

Balance Sheet

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets292.80M341.50M673.20M691.90M724.90M789.50M826.20M1.18B1.19B1.17B1.27B1.70B2.05B2.11B2.41B2.42B2.97B2.99B3.02B3.67B4.04B5.59B6.89B7.86B11.44B18.24B20.44B23.86B25.05B25.20B26.26B27.52B
Total Liabilities262.30M307.60M610.20M623.70M653.10M713.50M745.54M1.04B1.05B1.06B1.15B1.55B1.87B1.92B2.17B2.23B2.70B2.70B2.74B3.35B3.67B5.07B6.25B7.05B9.99B1.53B549.50M866.21M21.86B21.78B22.51B23.44B
Total Equity30.50M33.90M63.00M68.20M71.80M76.00M80.66M138.65M141.98M113.61M120.94M148.70M178.73M191.25M239.36M194.96M273.41M293.77M279.02M316.70M366.03M514.76M646.44M804.48M1.46B16.72B19.89B22.99B3.20B3.43B3.75B4.08B
Cash20.10M23.60M42.90M36.30M56.50M80.10M43.36M157.47M123.08M80.48M97.67M74.42M192.65M71.83M166.17M276.10M307.04M266.06M273.93M253.02M78.04M118.52M127.16M139.31M182.85M246.48M203.60M264.81M1.12B1.17B1.22B253.81M
Total Debt2.30M3.50M30.20M16.10M12.80M66.60M87.15M99.08M125.49M141.32M153.46M157.05M133.70M147.47M141.69M99.52M153.95M119.93M92.39M333.55M168.21M132.87M615.40M541.74M310.96M1.55B574.30M884.10M2.00B639.90M424.10M743.02M
Net Debt-17.80M-20.10M-12.70M-20.20M-43.70M-13.50M43.79M-58.39M2.42M60.84M55.79M82.63M-58.95M75.65M-24.48M-176.57M-153.09M-146.12M-181.54M80.53M66.17M-9.64M449.38M196.79M58.11M1.28B345.90M601.40M885.93M-527.40M-796.28M489.21M

Cash Flow

Currency: USD1994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.10M7.90M11.10M9.50M14.50M15.50M13.54M17.26M22.45M18.63M20.90M21.70M34.70M23.02M25.60M23.95M45.01M46.17M-7.83M21.85M-5.60M-25.22M-69.77M-62.56M-108.80M-940.21M798.40M9.14M1.06B568.96M154.19M390.18M
Investing Cash Flow-22.80M-63.00M-23.60M-2.80M-32.40M-68.30M-45.30M-89.12M-32.20M15.44M-62.59M-121.93M-281.63M-83.44M-316.25M180.48M120.47M278.50M454.62M63.25M31.17M-167.86M-802.87M-666.91M-53.31M-487.09M-1.20B-420.98M-4.87B-338.19M-846.68M-1.30B
Financing Cash Flow20.80M59.50M23.30M-15.60M26.00M58.20M22.78M84.75M3.55M-34.31M37.18M134.31M239.37M53.36M297.63M-190.16M-172.21M-333.47M-432.06M-91.10M-123.15M413.29M680.45M861.74M510.99M1.37B1.90B2.36B865.53M-181.59M745.56M781.16M
Capital Expenditure2.30M900.00K3.70M4.60M2.40M2.60M2.36M1.90M1.73M2.07M2.82M2.95M6.34M15.65M10.15M6.88M5.06M12.02M9.06M5.63M5.71M12.58M10.98M3.76M10.01M11.58M18.12M25.45M13.57M17.53M13.48M20.54M
Free Cash Flow2.80M7.00M7.40M4.90M12.10M12.90M11.18M15.36M20.72M16.45M18.08M18.75M28.35M7.37M15.45M17.06M39.95M34.14M-16.89M16.21M-11.30M-37.80M-80.74M-66.32M-118.81M-951.79M780.28M-16.31M1.05B551.43M140.72M369.64M
Dividends Paid600.00K1.40M1.80M2.60M2.90M2.90M3.75M4.26M4.75M4.88M5.47M6.36M7.29M7.51M5.16M3.96M2.66M2.63M2.64M1.40M4.30M6.44M8.58M14.65M16.41M24.68M41.69M41.80M41.61M41.65M41.46M55.25M
FCF to OCF54.90%88.61%66.67%51.58%83.45%83.23%82.58%89.02%92.31%88.31%86.53%86.39%81.72%32.02%60.34%71.25%88.76%73.96%215.80%74.21%202.02%149.86%115.73%106.01%109.20%101.23%97.73%-178.42%98.72%96.92%91.26%94.74%
Dividend Paid to FCF21.43%20.00%24.32%53.06%23.97%22.48%33.49%27.74%22.92%29.70%30.28%33.90%25.70%101.87%33.37%23.20%6.65%7.72%-15.64%8.63%-38.05%-17.03%-10.63%-22.09%-13.81%-2.59%5.34%-256.30%3.97%7.55%29.46%14.95%

Earnings

Report DateApr 16, 1998Jun 30, 1998Oct 8, 1998Jan 13, 1999Apr 8, 1999Jul 12, 1999Oct 11, 1999Jan 11, 2000Apr 12, 2000Jul 11, 2000Oct 12, 2000Jan 17, 2001Mar 31, 2001Jun 30, 2001Sep 30, 2001Jan 17, 2002Apr 11, 2002Jul 10, 2002Oct 15, 2002Jan 15, 2003Apr 9, 2003Jul 10, 2003Oct 9, 2003Jan 13, 2004Apr 12, 2004Jul 13, 2004Oct 14, 2004Jan 20, 2005Apr 20, 2005Jul 20, 2005Oct 19, 2005Jan 26, 2006Apr 20, 2006Jul 19, 2006Oct 19, 2006Jan 31, 2007Apr 25, 2007Jul 19, 2007Oct 18, 2007Jan 24, 2008Apr 17, 2008Jul 15, 2008Oct 21, 2008Jan 29, 2009Apr 23, 2009Jul 21, 2009Oct 21, 2009Jan 28, 2010Apr 13, 2010Jul 22, 2010Oct 20, 2010Jan 28, 2011Apr 26, 2011Jul 21, 2011Oct 25, 2011Jan 26, 2012Apr 24, 2012Jul 24, 2012Oct 23, 2012Jan 29, 2013Apr 23, 2013Jul 18, 2013Oct 21, 2013Jan 23, 2014Apr 22, 2014Jul 22, 2014Oct 22, 2014Jan 29, 2015Apr 23, 2015Jul 24, 2015Oct 23, 2015Jan 22, 2016Apr 22, 2016Jul 22, 2016Oct 17, 2016Jan 20, 2017Apr 21, 2017Jul 21, 2017Oct 19, 2017Jan 26, 2018Apr 20, 2018Jul 27, 2018Oct 19, 2018Jan 25, 2019Apr 23, 2019Jul 26, 2019Oct 18, 2019Jan 23, 2020Apr 23, 2020Jul 27, 2020Oct 22, 2020Jan 28, 2021Apr 22, 2021Jul 22, 2021Oct 28, 2021Jan 27, 2022Apr 26, 2022Jul 26, 2022Oct 27, 2022Jan 26, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 30, 2025Apr 28, 2025Jul 28, 2025Oct 27, 2025Jan 29, 2026Apr 23, 2026Jul 23, 2026Oct 26, 2026
EPS Estimate0.09-0.170.200.170.180.200.200.220.230.240.24---0.210.220.230.250.200.210.200.220.230.250.270.260.270.290.290.310.270.340.350.400.450.360.390.420.360.250.250.22-0.08-0.33-0.11-0.110.80-0.04-0.13-0.14-0.06-0.030.010.100.060.090.020.140.120.200.280.290.330.330.400.460.450.390.400.470.520.470.520.590.550.580.640.650.630.730.830.890.920.920.960.950.960.760.600.891.161.151.201.181.171.051.191.331.341.201.131.131.101.041.141.251.191.141.331.471.581.561.661.68
EPS Actual0.020.150.140.330.200.200.200.240.230.230.230.280.220.200.220.200.180.230.210.230.230.230.230.300.270.250.260.320.290.280.320.360.380.270.440.420.360.380.250.090.210.220.03-0.77-0.09-0.24-0.06-1.63-0.17-0.44-0.07-0.130.020.060.100.010.020.070.060.130.160.190.210.210.390.370.420.390.320.380.490.470.500.570.610.620.600.630.630.630.730.740.910.960.900.960.980.960.560.611.691.471.661.251.201.171.081.181.321.170.860.911.161.071.101.171.381.371.281.591.531.591.631.60-
Surprise-77.78%--17.65%65.00%17.65%11.11%0.00%20.00%4.55%0.00%-4.17%16.67%----4.76%-18.18%0.00%-16.00%15.00%9.52%15.00%4.55%30.43%8.00%-7.41%0.00%18.52%0.00%-3.45%3.23%33.33%11.76%-22.86%10.00%-6.67%0.00%-2.56%-40.48%-75.00%-16.00%-12.00%-86.36%-862.50%72.73%-118.18%45.45%-303.75%-325.00%-238.46%50.00%-116.67%166.67%500.00%0.00%-83.33%-77.78%250.00%-57.14%8.33%-20.00%-32.14%-27.59%-36.36%18.18%-7.50%-8.70%-13.33%-17.95%-5.00%4.26%-9.62%6.38%9.62%3.39%12.73%3.45%-1.56%-3.08%0.00%0.00%-10.84%2.25%4.35%-2.17%0.00%3.16%0.00%-26.32%1.67%89.89%26.72%44.35%4.17%1.69%0.00%2.86%-0.84%-0.75%-12.69%-28.33%-19.47%2.65%-2.73%5.77%2.63%10.40%15.13%12.28%19.55%4.08%0.63%4.49%-3.61%-
Timing---------After-hours-----After-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap5.52B
Enterprise Value5.69B
Trailing P/E14.88
Forward P/E13.00
PEG Ratio1.10
Price / Sales4.67
Price / Book1.34
EPS5.53
Book Value61.16
Revenue (TTM)1.18B
Gross Profit (TTM)1.18B
Profit Margin31.80%
Operating Margin50.19%
Return on Equity9.40%
Return on Assets1.36%
Shares Outstanding67.11M
Shares Float62.90M
Beta0.92
Dividend Yield0.98%
Dividend Rate0.80
Payout Ratio12.60%

Analyst Ratings

Buy
Based on 6 analystsTarget 94.17
  • Strong Buy
    2
  • Buy
    3
  • Hold
    1

Ownership Breakdown

Institutions
101.42%
Insiders
5.43%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    9.82M14.63%
  • Dimensional Fund Advisors, Inc.
    3.90M5.81%
  • Vanguard Portfolio Management, LLC
    3.69M5.50%
  • North Reef Capital Management LP
    3.42M5.10%
  • State Street Corp
    3.32M4.95%
  • Vanguard Capital Management, LLC
    2.90M4.32%
  • Wellington Management Company LLP
    2.89M4.31%
  • Independent Advisor Alliance
    2.65M3.95%
  • Amvescap Plc.
    2.60M3.87%
  • Geode Capital Management, LLC
    1.62M2.41%
  • Jennison Associates LLC
    1.27M1.90%
  • Congress Asset Management Company, LLP
    1.19M1.78%
  • Morgan Stanley - Brokerage Accounts
    1.12M1.66%
  • Principal Financial Group Inc
    1.02M1.52%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    3.84M5.72%
  • Vanguard MStar Total Stk Mkt Idx Invest
    2.04M3.03%
  • iShares Russell 2000 ETF
    1.72M2.56%
  • Vanguard Small Cap Index
    1.47M2.19%
  • Eaton Vance Atlanta Capital SMID-Cap I
    1.14M1.70%
  • Invesco Discovery A
    1.01M1.50%

Dividends

20262×
0.20Jun 30, 20260.20Mar 31, 2026
20254×
0.20Dec 31, 20250.20Sep 30, 20250.20Jun 30, 20250.20Mar 31, 2025
20244×
0.20Dec 31, 20240.15Sep 30, 20240.15Jun 28, 20240.15Mar 27, 2024
20234×
0.15Dec 28, 20230.15Sep 28, 20230.15Jun 29, 20230.15Mar 30, 2023
20224×
0.15Dec 29, 20220.15Sep 29, 20220.15Jun 29, 20220.15Mar 30, 2022
20214×
0.15Dec 30, 20210.15Sep 29, 20210.15Jun 29, 20210.15Mar 30, 2021
20202×
0.15Dec 30, 20200.15Sep 29, 2020

Stock Splits

  • Jun 28, 20103377:3361
  • Mar 29, 2010131:130
  • Dec 29, 2009131:130
  • Sep 28, 20092883:2861
  • Mar 11, 20056:5
  • Dec 13, 19996:5
  • May 1, 19975:4
  • Aug 1, 19954:3