Stocks · Financial Services · Banks - Regional
Ameris Bancorp ABCB
$81.44 +1.50% Close, Oct 2, 2026 · NYSE · Market cap $5.48B
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 14.7× trailing earnings, higher than 95% of the company's own readings over the past five years.
- Revenue over the last four quarters was $1.70B, up 4.7% from a year earlier, accelerating from 2.2% a quarter earlier.
- Diluted EPS over the last four quarters was $5.53, down 2.6% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth49Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 43%
- EPS growth (TTM, YoY)Bottom 28%
- FCF growth (TTM, YoY)Top 38%
- Revenue growth, 3-year CAGRBottom 44%
- Revenue growth accelerationTop 26%
Quality66Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 50%
- Gross marginTop 38%
- Operating marginTop 32%
- Cash conversion (OCF / net income)Top 31%
- Accruals (lower is better)Top 39%
- Net debt / EBITDA (lower is better)Bottom 41%
- Interest coverTop 47%
Value41Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 48%
- Free-cash-flow yieldTop 40%
- EBITDA / enterprise valueTop 40%
- Sales / enterprise valueBottom 37%
- P/E vs own 5-year history (lower is better)Bottom 7%
Momentum39Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 41%
- 6-month returnBottom 45%
- 1-year return vs S&P 500Top 42%
- Distance from 52-week highBottom 42%
- Trend checklist (0–4)Bottom 27%
Revisions38Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 36%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 43%
Stability43Weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 25%
- Maximum drawdown, 3 yearsBottom 46%
- Beta vs S&P 500 (lower is better)Bottom 20%
- Net debt / EBITDA (lower is better)Bottom 41%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.2% | 4.7% | ↑ |
| EPS growth (YoY) | 17.8% | -2.6% | ↓ |
| Gross margin | 66.8% | 69.7% | ↑ |
| Operating margin | 31.3% | 28.6% | ↓ |
| FCF margin | 24.3% | 30.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.7% | 2.2% | ↑ | Bottom 43% |
| EPS growth (TTM, YoY) | -2.6% | 17.8% | ↓ | Bottom 28% |
| Gross margin | 69.7% | 66.8% | ↑ | Top 38% |
| Operating margin | 28.6% | 31.3% | ↓ | Top 32% |
| Net margin | 22.2% | 24.2% | ↓ | — |
| Free-cash-flow margin | 30.8% | 24.3% | ↑ | — |
| Return on invested capital | 1.3% | — | Top 50% | |
| Revenue growth, 3-year CAGR | 13.4% | — | Bottom 44% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.46×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.14×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.00%
- Net buyback yield (TTM)
- 2.78%
- Shareholder yield
- 3.78%
- Share count change, 1 year
- -2.8%
- Share count change, 3-year CAGR
- -0.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +2.1%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $92.40
- Target vs current price
- +13.5%
- Analysts with a rating
- 12
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -3.6% | -0.8% | -2.3% | -3.5% | — |
| Apr 23, 2026 | +5.8% | +0.9% | +0.6% | +1.1% | +8.3% |
| Jan 29, 2026 | +1.9% | +2.0% | +5.6% | +3.6% | +6.5% |
| Oct 27, 2025 | +4.1% | +0.5% | -3.2% | +0.2% | +11.8% |
| Jul 28, 2025 | +18.5% | -0.0% | -0.8% | +8.5% | +9.3% |
| Apr 28, 2025 | +11.3% | +1.7% | +8.0% | +9.3% | +18.7% |
| Jan 30, 2025 | +15.0% | +0.6% | +4.0% | -2.9% | -14.1% |
| Oct 24, 2024 | +9.5% | +0.5% | +0.5% | +8.6% | +2.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.60 | $1.66 | -3.6% | $317.8M |
| Apr 23, 2026 | $1.63 | $1.54 | +5.8% | $314.4M |
| Jan 29, 2026 | $1.59 | $1.56 | +1.9% | $309.9M |
| Oct 27, 2025 | $1.53 | $1.47 | +4.1% | $305.3M |
| Jul 28, 2025 | $1.60 | $1.35 | +18.5% | $301.3M |
| Apr 28, 2025 | $1.28 | $1.15 | +11.3% | $285.9M |
| Jan 30, 2025 | $1.38 | $1.20 | +15.0% | $290.8M |
| Oct 24, 2024 | $1.38 | $1.26 | +9.5% | $284.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.7× | 11.2× | 95th | Top 48% |
| P/E (forward) | 12.3× | — | — | — |
| EV / EBITDA | 12.4× | — | — | Top 40% |
| EV / Sales | 3.91× | — | — | Bottom 37% |
| Free-cash-flow yield | 9.52% | — | — | Top 40% |
| Earnings yield | 6.79% | — | — | Top 48% |
P/E over the past five years
Range 6.3× – 15.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +11.5%
- Earnings per share growth (TTM)
- -2.6%
- Change in P/E multiple
- +34.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.4%
- 200-day average slope (20 days)
- +0.9%
- Distance from 50-day average
- -4.7%
- Distance from 200-day average
- -2.3%
- RSI (14)
- 39.9
- Relative volume
- 0.87×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.8%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.01
- Correlation with S&P 500
- 0.59
- Current drawdown from 1-year high
- -12.6%
- Maximum drawdown, 3 years
- -30.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| May 21, 2021 | May 11, 2023 | -50.4% | 496 days | 295 days (Jul 16, 2024) |
| Nov 25, 2024 | Apr 8, 2025 | -30.0% | 90 days | 96 days (Aug 26, 2025) |
| Jul 16, 2026 | Sep 30, 2026 | -14.6% | 53 days | Not yet recovered |
| Feb 6, 2026 | Mar 18, 2026 | -13.9% | 27 days | 33 days (May 5, 2026) |
| Mar 19, 2021 | Apr 20, 2021 | -13.8% | 21 days | 11 days (May 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $5.48B
- P/E (TTM)
- 14.7
- EPS, diluted (TTM)
- $5.53
- Revenue (TTM)
- $1.70B
- Dividend yield
- 0.98%
- 52-week range
- $68.80 – $93.22
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.04B | $1.14B | $1.49B | $1.63B | $1.67B |
| Gross profit | $1.03B | $976.9M | $899.9M | $1.05B | $1.14B |
| Operating income | $496.1M | $453.1M | $356.9M | $475.9M | $533.8M |
| Net income | $376.9M | $346.5M | $269.1M | $358.7M | $412.2M |
| EPS (diluted) | $5.40 | $4.99 | $3.89 | $5.19 | $6.00 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $416.3M | $405.8M | $389.2M | $408.0M | $422.4M | $419.9M | $421.7M | $431.9M |
| Net income | $99.2M | $94.4M | $87.9M | $109.8M | $106.0M | $108.4M | $110.5M | $51.4M |
| EPS (diluted) | $1.44 | $1.37 | $1.27 | $1.60 | $1.54 | $1.59 | $1.63 | $0.77 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $9.1M | $1.06B | $569.0M | $154.2M | $390.2M |
| Capital expenditure | -$25.4M | -$13.6M | -$17.5M | -$13.5M | -$20.5M |
| Free cash flow | -$16.3M | $1.05B | $551.4M | $140.7M | $369.6M |
| Dividends paid | -$41.8M | -$41.6M | -$41.6M | -$41.5M | -$55.3M |
| Net share buybacks | -$4.9M | -$22.4M | -$20.3M | -$8.0M | -$82.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $237.4M
- Total assets
- $28.49B
- Total liabilities
- $24.40B
- Total debt
- $1.39B
- Net debt
- $1.15B
- Shareholders’ equity
- $4.09B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 30, 2026 | $0.20 | Oct 5, 2026 |
| Jun 30, 2026 | $0.20 | Jul 6, 2026 |
| Mar 31, 2026 | $0.20 | Apr 6, 2026 |
| Dec 31, 2025 | $0.20 | Jan 5, 2026 |
| Sep 30, 2025 | $0.20 | Oct 6, 2025 |
| Jun 30, 2025 | $0.20 | Jul 7, 2025 |
| Mar 31, 2025 | $0.20 | Apr 7, 2025 |
| Dec 31, 2024 | $0.20 | Jan 6, 2025 |
Short interest
- Shares sold short
- 2,742,830
- Days to cover
- 7.76
- Change vs previous report
- +7.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 11, 2005
- 6-for-5
- Dec 13, 1999
- 6-for-5
- May 1, 1997
- 5-for-4
- Aug 1, 1995
- 4-for-3