Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 1.01
ABCB's Cash to Debt is ranked higher than
73% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ABCB: 1.01 )
ABCB' s 10-Year Cash to Debt Range
Min: 0.51   Max: No Debt
Current: 1.01

Equity to Asset 0.09
ABCB's Equity to Asset is ranked higher than
59% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ABCB: 0.09 )
ABCB' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.12
Current: 0.09

0.08
0.12
Interest Coverage 2.89
ABCB's Interest Coverage is ranked higher than
85% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. ABCB: 2.89 )
ABCB' s 10-Year Interest Coverage Range
Min: 0.32   Max: 2.89
Current: 2.89

0.32
2.89
F-Score: 4
Z-Score: 0.19
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 18.01
ABCB's Operating margin (%) is ranked higher than
57% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. ABCB: 18.01 )
ABCB' s 10-Year Operating margin (%) Range
Min: -26.06   Max: 37.27
Current: 18.01

-26.06
37.27
Net-margin (%) 12.30
ABCB's Net-margin (%) is ranked higher than
57% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.57 vs. ABCB: 12.30 )
ABCB' s 10-Year Net-margin (%) Range
Min: -31.57   Max: 24.8
Current: 12.3

-31.57
24.8
ROE (%) 6.32
ABCB's ROE (%) is ranked higher than
66% of the 1554 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.99 vs. ABCB: 6.32 )
ABCB' s 10-Year ROE (%) Range
Min: -21.43   Max: 18.88
Current: 6.32

-21.43
18.88
ROA (%) 0.55
ABCB's ROA (%) is ranked higher than
62% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. ABCB: 0.55 )
ABCB' s 10-Year ROA (%) Range
Min: -1.72   Max: 1.87
Current: 0.55

-1.72
1.87
ROC (Joel Greenblatt) (%) 28.40
ABCB's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. ABCB: 28.40 )
ABCB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -51   Max: 133.33
Current: 28.4

-51
133.33
Revenue Growth (%) 5.50
ABCB's Revenue Growth (%) is ranked higher than
84% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. ABCB: 5.50 )
ABCB' s 10-Year Revenue Growth (%) Range
Min: -9.2   Max: 13.5
Current: 5.5

-9.2
13.5
» ABCB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

ABCB Guru Trades in Q1 2013

Jim Simons 23,800 sh (New)
Bernard Horn 185,050 sh (unchged)
» More
Q2 2013

ABCB Guru Trades in Q2 2013

Jim Simons 38,100 sh (+60.08%)
Bernard Horn 185,050 sh (unchged)
» More
Q3 2013

ABCB Guru Trades in Q3 2013

Jim Simons 49,800 sh (+30.71%)
Bernard Horn 185,050 sh (unchged)
» More
Q4 2013

ABCB Guru Trades in Q4 2013

Jim Simons 119,570 sh (+140.1%)
Bernard Horn 185,050 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with ABCB



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 29.50
ABCB's P/E(ttm) is ranked lower than
61% of the 1451 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.60 vs. ABCB: 29.50 )
ABCB' s 10-Year P/E(ttm) Range
Min: 9.99   Max: 220
Current: 29.5

9.99
220
P/B 1.90
ABCB's P/B is ranked lower than
63% of the 1479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ABCB: 1.90 )
ABCB' s 10-Year P/B Range
Min: 0.29   Max: 2.32
Current: 1.9

0.29
2.32
P/S 3.40
ABCB's P/S is ranked lower than
54% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. ABCB: 3.40 )
ABCB' s 10-Year P/S Range
Min: 0.59   Max: 5.56
Current: 3.4

0.59
5.56
PFCF 18.90
ABCB's PFCF is ranked lower than
72% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. ABCB: 18.90 )
ABCB' s 10-Year PFCF Range
Min: 2.56   Max: 20.47
Current: 18.9

2.56
20.47
EV-to-EBIT 27.80
ABCB's EV-to-EBIT is ranked lower than
58% of the 1447 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.51 vs. ABCB: 27.80 )
ABCB' s 10-Year EV-to-EBIT Range
Min: 1   Max: 25
Current: 27.8

1
25

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.10
ABCB's Price/Tangible Book is ranked lower than
63% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ABCB: 2.10 )
ABCB' s 10-Year Price/Tangible Book Range
Min: 0.7   Max: 3.1
Current: 2.1

0.7
3.1
Price/DCF (Projected) 1.10
ABCB's Price/DCF (Projected) is ranked lower than
60% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. ABCB: 1.10 )
ABCB' s 10-Year Price/DCF (Projected) Range
Min: 0.25   Max: 1.08
Current: 1.1

0.25
1.08
Price/Median PS Value 1.40
ABCB's Price/Median PS Value is ranked lower than
66% of the 1493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. ABCB: 1.40 )
ABCB' s 10-Year Price/Median PS Value Range
Min: 0.31   Max: 2.81
Current: 1.4

0.31
2.81
Price/Graham Number 1.50
ABCB's Price/Graham Number is ranked lower than
64% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. ABCB: 1.50 )
ABCB' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.51
Current: 1.5

0.58
1.51
Earnings Yield (Greenblatt) 3.60
ABCB's Earnings Yield (Greenblatt) is ranked higher than
50% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ABCB: 3.60 )
ABCB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 3.5   Max: 102.4
Current: 3.6

3.5
102.4
Forward Rate of Return (Yacktman) 5.08
ABCB's Forward Rate of Return (Yacktman) is ranked higher than
56% of the 1102 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.77 vs. ABCB: 5.08 )
ABCB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.8   Max: 25.9
Current: 5.08

5.8
25.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Ameris Bancorp is a financial holding company whose business is conducted mainly through its wholly-owned banking subsidiary, Ameris Bank, which provides a full range of banking services to its retail and commercial customers located mainly in the Southern United States. It maintains a loan portfolio by providing a range of commercial and retail lending services to business entities and individuals. The company provides agricultural loans, commercial business loans, commercial and residential real estate construction and mortgage loans, consumer loans, revolving lines of credit and letters of credit. The Company also originates first mortgage residential mortgage loans and generally enters into a commitment to sell these loans in the secondary market. Commercial loans are generally extended for acquisition, development or construction of commercial properties. It originates adjustable and fixed-rate residential mortgage loans as part of its Residential Real Estate Mortgage Loans business. Some of these loans will be placed in the company's loan portfolio. However, a majority is sold to the secondary mortgage market. The residential real estate mortgage loans that are included in the company's loan portfolio are usually owner-occupied and generally amortized over a 10 to 20 year period with three to five year maturity or repricing. Its agricultural loans are extended to finance crop production and for the purchase of farm-related equipment or farmland and the operations of dairies and poultry producers. Agricultural loans typically involve seasonal balance fluctuations. Although the company typically looks to an agricultural borrower's cash flow as the principal source of repayment, agricultural loans are also generally secured by a security interest in the crops or the farm-related equipment and, in some cases, an assignment of crop insurance and mortgage on real estate. General commercial and industrial loans consist of loans made primarily to manufacturers, wholesalers and retailers of goods, service companies and other industries. These loans are made for acquisition, expansion and working capital purposes and might be secured by real estate, accounts receivable, inventory, equipment, personal guarantees or other assets. The company's consumer loans include motor vehicle, home improvement, home equity, student and signature loans and small personal credit lines.

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Add Notes, Comments or Ask Questions

User Comments

No comment yet

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK
Hide