Stock ABCB AMERIS BANCORP
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Financials Ameris Bancorp

Equities

ABCB

US03076K1088

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
47.88 USD +0.78% Intraday chart for Ameris Bancorp +3.46% -9.75%
Apr. 26 Transcript : Ameris Bancorp, Q1 2024 Earnings Call, Apr 26, 2024
Apr. 25 Earnings Flash (ABCB) AMERIS BANCORP Posts Q1 Revenue $267.3M, vs. Street Est of $258M MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 2,954 2,639 3,447 3,259 3,651 3,297 -
Enterprise Value (EV) 1 2,954 2,639 3,447 3,259 3,651 3,297 3,297
P/E ratio 15.5 x 10.1 x 9.2 x 9.45 x 13.6 x 11 x 9.9 x
Yield 1.18% 1.58% 1.21% 1.27% 1.13% 1.28% 1.34%
Capitalization / Revenue 4.2 x 2.43 x 3.41 x 3.06 x 3.38 x 3.02 x 2.87 x
EV / Revenue 4.2 x 2.43 x 3.41 x 3.06 x 3.38 x 3.02 x 2.87 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.2 x 1 x 1.17 x 1.02 x 1.07 x 0.9 x 0.83 x
Nbr of stocks (in thousands) 69,451 69,308 69,376 69,126 68,830 68,858 -
Reference price 2 42.54 38.07 49.68 47.14 53.05 47.88 47.88
Announcement Date 1/23/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 703.3 1,084 1,010 1,066 1,082 1,091 1,148
EBITDA - - - - - - -
EBIT 1 231.3 485.6 454.4 506.5 512.9 484.7 519.7
Operating Margin 32.89% 44.79% 45% 47.52% 47.41% 44.43% 45.25%
Earnings before Tax (EBT) 1 211.6 340.2 496.1 453.1 356.9 397.7 440.9
Net income 1 161.4 262 376.9 346.5 269.1 300.5 334
Net margin 22.96% 24.16% 37.33% 32.51% 24.88% 27.54% 29.09%
EPS 2 2.750 3.770 5.400 4.990 3.890 4.360 4.837
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.5000 0.6000 0.6000 0.6000 0.6000 0.6114 0.6400
Announcement Date 1/23/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 240.2 245.1 250.8 265.1 279.2 271.8 268.1 277.8 271.9 263.3 267.2 270.7 279.5 279.6 272.3
EBITDA - - - - - - - - - - - - - - -
EBIT 1 104.4 110.7 108 122.9 138.8 136.9 128.7 129.4 130.5 124.2 118.5 120.7 124.2 125.9 118.6
Operating Margin 43.44% 45.15% 43.05% 46.34% 49.69% 50.39% 48.01% 46.59% 47.98% 47.18% 44.35% 44.59% 44.44% 45.03% 43.56%
Earnings before Tax (EBT) 1 110.7 107.5 109.4 118.1 121.1 104.5 78.55 82.97 105 90.39 97.45 97.9 99.4 105 98.6
Net income 1 81.68 81.94 81.7 90.07 92.56 82.22 60.42 62.64 80.12 65.93 74.31 74 75.1 79.4 74.68
Net margin 34% 33.43% 32.57% 33.98% 33.15% 30.25% 22.53% 22.54% 29.47% 25.04% 27.81% 27.34% 26.87% 28.4% 27.42%
EPS 2 1.170 1.180 1.170 1.300 1.340 1.180 0.8700 0.9100 1.160 0.9600 1.080 1.055 1.130 1.190 1.083
Dividend per Share 2 0.1500 0.1500 0.1500 0.1500 0.1500 0.1500 0.1500 0.1500 0.1500 0.1500 0.1529 0.1529 0.1529 0.1529 0.1617
Announcement Date 10/28/21 1/27/22 4/26/22 7/26/22 10/27/22 1/26/23 4/27/23 7/27/23 10/26/23 1/25/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 8.19% 10.4% 13.3% 11.2% 8.12% 8.5% 8.67%
ROA (Net income/ Total Assets) 1.52% 1.56% 1.69% 1.39% 1.09% 1.17% 1.25%
Assets 1 10,621 16,794 22,303 24,931 24,689 25,684 26,814
Book Value Per Share 2 35.50 38.10 42.60 46.10 49.60 53.20 57.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/23/20 1/28/21 1/27/22 1/26/23 1/25/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Ameris Bancorp

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
7
Last Close Price
47.88 USD
Average target price
57 USD
Spread / Average Target
+19.05%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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