US · ABCB
Ameris Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Atlanta, GA 30305
- Website
- amerisbank.com
Price · as of 2025-12-31
$85.56
Market cap 5.31B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $49.12 | -42.59% |
| Intrinsic Value(DCF) | $70.36 | -17.77% |
| Graham-Dodd Method(GD) | $62.71 | -26.71% |
| Graham Formula(GF) | $60.48 | -29.32% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.39 | $56.95 | $8.61 | $15.30 | $24.18 |
| 2012 | $12.60 | $91.35 | $13.97 | $13.05 | $0.00 |
| 2013 | $18.74 | $220.86 | $16.57 | $14.82 | $13.45 |
| 2014 | $23.07 | $80.57 | $19.67 | $16.43 | $62.77 |
| 2015 | $25.01 | $41.37 | $41.68 | $16.76 | $36.04 |
| 2016 | $40.66 | $52.15 | $80.38 | $21.91 | $79.71 |
| 2017 | $52.02 | $58.86 | $26.19 | $22.45 | $48.33 |
| 2018 | $34.36 | $38.95 | $77.56 | $30.41 | $112.43 |
| 2019 | $29.56 | $30.23 | $166.24 | $33.78 | $168.79 |
| 2020 | $52.02 | $58.24 | $853.98 | $34.71 | $175.49 |
| 2021 | $45.36 | $37.01 | $76.58 | $46.25 | $0.00 |
| 2022 | $40.82 | $84.23 | $45.44 | $47.55 | $87.67 |
| 2023 | $46.38 | $36.70 | $46.15 | $45.41 | $145.16 |
| 2024 | $58.08 | $39.50 | $53.44 | $56.79 | $91.25 |
| 2025 | $79.32 | $49.12 | $66.04 | $62.71 | $60.48 |
AI valuation
Our deep-learning model estimates Ameris Bancorp's (ABCB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $49.12
- Current price
- $85.56
- AI upside
- -42.59%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$70.36
-17.77% upside
Graham-Dodd
$62.71
-26.71% upside
Graham Formula
$60.48
-29.32% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ABCB | Ameris Bancorp | $85.56 | 5.31B | -43% | -18% | -27% | -29% | 13.17 | 1.33 | 3.26 | 11.47 | 84.41 | 1.81 | 68.31% | 32.05% | 24.75% | 10.53% | 13.62% | 1.53% | 0.17 | 1.17 | 0.17 | 0.00 | 1.30 | 1561.00% | 200.00% | 3303.00% | 3.45% | 0.03 | 6.19% | 1.02% | 13.40% | 1.02% | 11.47 | 32.70 | 3.68 | 0.14 |
| AUB | Atlantic Union Bankshares… | $37.06 | 5.28B | -38% | +748% | -12% | +193% | 19.48 | 1.07 | 2.64 | 6.06 | — | 1.80 | 60.94% | 16.77% | 13.54% | 6.72% | 18.61% | 0.88% | 0.30 | 0.51 | 6.81 | 6.81 | 3.19 | -938.00% | 5019.00% | -6750.00% | 1.83% | 0.15 | 6.61% | 0.00% | 0.00% | 0.00% | 7.08 | 24.55 | 1.19 | 0.35 |
| AVAL | Grupo Aval Acciones y Val… | $4.09 | 4.88B | +41% | -38% | -51% | -76% | 12.99 | 0.76 | 0.36 | 9.19 | 34.61 | -7.15 | 30.57% | 8.49% | 2.75% | 5.93% | 5.31% | 0.32% | 4.09 | 0.15 | 0.37 | 0.37 | 12.65 | 3753.00% | -380.00% | 4760.00% | -111.53% | -0.07 | -35.60% | 5.52% | 71.70% | 5.94% | 12.92 | -2.76 | 1.10 | -0.27 |
| AX | Axos Financial, Inc. | $86.82 | 4.92B | -26% | +569% | -4% | +48% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| FNB | F.N.B. Corporation | $16.99 | 6.07B | +215% | -15% | -26% | +20% | 10.94 | 0.92 | 2.30 | 5.80 | 47.93 | 1.46 | 62.31% | 24.84% | 20.98% | 8.66% | 11.74% | 1.14% | 0.58 | 0.72 | 1.01 | 0.99 | 2.12 | 2283.00% | 494.00% | -2525.00% | 6.08% | 0.01 | 7.81% | 2.81% | 30.80% | 10.55% | 5.80 | 10.32 | 1.44 | 0.26 |
| GBCI | Glacier Bancorp, Inc. | $45.49 | 5.91B | -40% | -60% | -73% | -11% | 24.94 | 1.41 | 4.18 | 12.41 | 135.18 | 2.18 | 68.96% | 22.86% | 16.77% | 6.43% | 10.23% | 0.80% | 0.69 | 0.80 | 307.57 | 307.57 | 7.06 | 1845.00% | 1448.00% | 6569.00% | 5.83% | 4.58 | 13.25% | 2.73% | 68.10% | 8.93% | 13.90 | 13.04 | 3.18 | 1.20 |
| HOMB | Home Bancshares, Inc. | $27.46 | 5.4B | +20% | +11% | -2% | -74% | 11.59 | 1.28 | 4.01 | 5.40 | 58.25 | 1.92 | 77.30% | 43.75% | 34.59% | 11.51% | 20.51% | 2.10% | 0.22 | 1.47 | — | — | 0.43 | 1990.00% | -535.00% | -2225.00% | 5.95% | — | 14.16% | 0.00% | 0.00% | 1.98% | 5.55 | 10.17 | 2.43 | 0.63 |
| HWC | Hancock Whitney Corporati… | $65.81 | 5.5B | -22% | -10% | -16% | -41% | 11.45 | 1.25 | 2.76 | 10.14 | 151.08 | 1.60 | 73.05% | 31.00% | 24.08% | 11.32% | 25.05% | 1.38% | 0.27 | 1.23 | 0.00 | 0.00 | 1.86 | 758.00% | -152.00% | -3865.00% | 6.79% | 0.01 | 19.05% | 2.76% | 31.60% | 7.20% | 10.63 | 17.60 | 3.29 | -0.68 |
| IFS | Intercorp Financial Servi… | $48.38 | 5.37B | -25% | -31% | -18% | +19% | 10.30 | 1.52 | 2.03 | 7.08 | 23.78 | 1.75 | 65.27% | 25.24% | 19.72% | 15.66% | 153.46% | 1.87% | 1.03 | 1.09 | 2.07 | 2.07 | 0.29 | 4332.00% | 431.00% | -26255.00% | 16.30% | 0.53 | 256.55% | 2.11% | 21.70% | 3.43% | 8.34 | 6.36 | 2.11 | 0.41 |
| OZK | Bank OZK | $46.56 | 5.21B | -14% | +79% | +76% | +29% | 7.36 | 0.86 | 1.88 | 6.13 | 1505.53 | 0.96 | 55.43% | 33.30% | 25.50% | 12.09% | 14.55% | 1.81% | 0.08 | 0.87 | 0.80 | 0.00 | 0.50 | 49.00% | 115.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.13 | — | 2.04 | 0.36 |
| UBSI | United Bankshares, Inc. | $41.30 | 5.8B | +9% | +9% | -0% | +60% | 12.65 | 1.07 | 3.23 | 2.03 | 66.90 | 1.71 | 65.35% | 32.42% | 25.52% | 8.86% | 23.16% | 1.46% | 0.17 | 1.01 | 28.21 | 28.21 | -2.75 | 1891.00% | 1233.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 2.27% | 2.03 | — | 0.66 | 0.43 |
About Ameris Bancorp
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 165 full service domestic banking offices and 35 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
- CEO
- H. Palmer Proctor Jr.
- Employees
- 2.05K
- Beta
- 0.98
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($70.36 ÷ $85.56) − 1 = -17.77% (DCF, example).