ABCB
Ameris Bancorp
ABCB's fundamentals are mixed, but it looks expensive: trading at 14x earnings, above its usual 11x. Analysts expect earnings growth.
ABCB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
ABCB's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ABCB.
ABCB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $50.20 | -39% |
| Fair | 11x | $65.46 | -21% |
| Forward | 12x | $82.50 | — |
| Expensive | 14x | $79.44 | -3.7% |
| Current | 14x | $82.50 | — |
Historical ranges are pointers, not guarantees.
ABCB's PE is in its expensive range at 14x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its fair range.
ABCB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect ABCB's earnings to grow and its profitability to improve, with its revenue holding steady.
ABCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.84 | +20% |
| Q3 2026 | $5.72 | -0.7% |
| Q2 2026 | $5.53 | -2.3% |
| Q1 2026 | $6.36 | +18% |
| Q4 2025 | $6.00 | +16% |
| Q3 2025 | $5.76 | +20% |
| Q2 2025 | $5.66 | +25% |
| Q1 2025 | $5.38 | +31% |
| Q4 2024 | $5.19 | +33% |
ABCB earned $5.72 per share over the past year, about the same as the year before.
ABCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $321.8M | +2.4% |
| Q2 2026 | $326M | +8.4% |
| Q1 2026 | $314.4M | +10% |
| Q4 2025 | $307.1M | +5.6% |
| Q3 2025 | $314.2M | +11% |
| Q2 2025 | $300.7M | 0% |
| Q1 2025 | $285.9M | +7% |
| Q4 2024 | $290.8M | +11% |
ABCB's revenue has grown year over year for 10 quarters in a row: $322M last quarter, up 2.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +3.2 points |
| Q2 2026 | 20% | -27 points |
| Q1 2026 | 45% | +5.3 points |
| Q4 2025 | 46% | +2.6 points |
| Q3 2025 | 44% | -0.8 points |
| Q2 2025 | 47% | +5.4 points |
| Q1 2025 | 40% | +3 points |
| Q4 2024 | 43% | +8.9 points |
ABCB's operating margin was 47% last quarter, up 3.2 points from the same quarter a year ago.
ABCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $213.8M | +113% |
| Q2 2026 | $70.8M | +32% |
| Q1 2026 | $249.4M | +118% |
| Q4 2025 | $101.2M | -20% |
| Q3 2025 | $100.5M | +0.8% |
| Q2 2025 | $53.7M | +$154.1M |
| Q1 2025 | $114.2M | +654% |
| Q4 2024 | $126.1M | -39% |
ABCB's free cash flow was $635M over the past year, up 61% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ABCB.
ABCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -75.3K shares |
| 1 year | -2.4% | -1.6M shares |
| 3 years | -2.9% | -2M shares |
| 5 years | -3.9% | -2.7M shares |
| Available history | +14% | +8.4M shares |
ABCB has 67M diluted shares, down 2.4% from a year ago, with $144M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $38,000 |
| Q2 2026 | $19.7M |
| Q1 2026 | $83.6M |
| Q4 2025 | $40.8M |
| Q3 2025 | $8.5M |
| Q2 2025 | $12.9M |
| Q1 2025 | $20.7M |
| Q4 2024 | $103,000 |
ABCB spent $144M buying back its own shares over the past year, about three times what it spent the year before.
ABCB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.6x | Healthy |
| Q2 2026 | 2.3x | Moderate |
| Q1 2026 | 1.3x | Healthy |
| Q4 2025 | 0.8x | Very low |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 0.4x | Very low |
ABCB's net debt is about 1.6 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like ABCB.
ABCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.4 | Neutral |
| Stochastic | 39.0 | Neutral |
ABCB's weekly RSI is 47 (neutral) and its Stochastic is 39 (neutral).
ABCB PE vs Financial Services Sector
| Metric | ABCB | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 11% above |
| PE % | 90 | 63 | 27 pts above |
ABCB is trading at 14x earnings, a 11% premium to the Financial Services sector's median of 13x.
ABCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $81.5 | 1.3% above |
| 20 week MA | $85.2 | 3.1% below |
| 50 week MA | $82.9 | 0.5% below |
| 100 week MA | $74.2 | 11% above |
| 200 week MA | $60.9 | 35% above |
ABCB's trend is mixed: it's above three of its five weekly moving averages, and 35% above its 200-week average.
ABCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.7 | $37.5 | -12% |
| 2021 | $37.5 | $49.2 | +31% |
| 2022 | $49.2 | $47.9 | -2.7% |
| 2023 | $47.9 | $53.1 | +11% |
| 2024 | $53.1 | $63.1 | +19% |
| 2025 | $63.1 | $76.0 | +21% |
| 2026 YTD | $76.0 | $82.5 | +8.6% |
ABCB has finished higher in four of the last six years. It's up 8.6% so far in 2026.