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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 0.27
ABCB's Cash to Debt is ranked lower than
83% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. ABCB: 0.27 )
Ranked among companies with meaningful Cash to Debt only.
ABCB' s Cash to Debt Range Over the Past 10 Years
Min: 0.27  Med: 0.96 Max: 8.3
Current: 0.27
0.27
8.3
Equity to Asset 0.10
ABCB's Equity to Asset is ranked lower than
51% of the 1608 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ABCB: 0.10 )
Ranked among companies with meaningful Equity to Asset only.
ABCB' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.13
Current: 0.1
0.08
0.13
Interest Coverage 5.42
ABCB's Interest Coverage is ranked higher than
82% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. ABCB: 5.42 )
Ranked among companies with meaningful Interest Coverage only.
ABCB' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.44 Max: 5.42
Current: 5.42
0.32
5.42
F-Score: 2
M-Score: -3.85
WACC vs ROIC
11.54%
9.78%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 31.00
ABCB's Operating margin (%) is ranked higher than
50% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. ABCB: 31.00 )
Ranked among companies with meaningful Operating margin (%) only.
ABCB' s Operating margin (%) Range Over the Past 10 Years
Min: -26.06  Med: 18.52 Max: 37.27
Current: 31
-26.06
37.27
Net-margin (%) 21.63
ABCB's Net-margin (%) is ranked lower than
53% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. ABCB: 21.63 )
Ranked among companies with meaningful Net-margin (%) only.
ABCB' s Net-margin (%) Range Over the Past 10 Years
Min: -31.57  Med: 12.49 Max: 24.8
Current: 21.63
-31.57
24.8
ROE (%) 11.79
ABCB's ROE (%) is ranked higher than
70% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. ABCB: 11.79 )
Ranked among companies with meaningful ROE (%) only.
ABCB' s ROE (%) Range Over the Past 10 Years
Min: -20.7  Med: 6.22 Max: 13.52
Current: 11.79
-20.7
13.52
ROA (%) 1.15
ABCB's ROA (%) is ranked higher than
68% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. ABCB: 1.15 )
Ranked among companies with meaningful ROA (%) only.
ABCB' s ROA (%) Range Over the Past 10 Years
Min: -1.73  Med: 0.66 Max: 1.18
Current: 1.15
-1.73
1.18
Revenue Growth (3Y)(%) 4.00
ABCB's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. ABCB: 4.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ABCB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.1  Med: 4.7 Max: 13.5
Current: 4
-9.1
13.5
EBITDA Growth (3Y)(%) 21.90
ABCB's EBITDA Growth (3Y)(%) is ranked higher than
82% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. ABCB: 21.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ABCB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.8  Med: 9.5 Max: 21.9
Current: 21.9
0.8
21.9
EPS Growth (3Y)(%) 40.30
ABCB's EPS Growth (3Y)(%) is ranked higher than
90% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ABCB: 40.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ABCB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 9.2 Max: 40.3
Current: 40.3
0
40.3
GuruFocus has detected 6 Warning Signs with Ameris Bancorp $ABCB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ABCB's 10-Y Financials

Financials (Next Earnings Date: 2017-01-20)


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

» Details

Guru Trades

Q1 2016

ABCB Guru Trades in Q1 2016

NWQ Managers 1,183,493 sh (+88.89%)
Ken Fisher 135,710 sh (+0.07%)
Bernard Horn 185,050 sh (unchged)
Jim Simons 453,183 sh (-1.03%)
» More
Q2 2016

ABCB Guru Trades in Q2 2016

NWQ Managers 1,254,563 sh (+6.01%)
Bernard Horn 185,050 sh (unchged)
Ken Fisher 114,733 sh (-15.46%)
Jim Simons 345,883 sh (-23.68%)
» More
Q3 2016

ABCB Guru Trades in Q3 2016

Paul Tudor Jones 11,858 sh (New)
Bernard Horn 185,050 sh (unchged)
NWQ Managers 1,231,519 sh (-1.84%)
Jim Simons 299,083 sh (-13.53%)
Ken Fisher 87,724 sh (-23.54%)
» More
Q4 2016

ABCB Guru Trades in Q4 2016

Ken Fisher 48,091 sh (-45.18%)
» More
» Details

Insider Trades

Latest Guru Trades with ABCB

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FRME, NAS:UBSH, NAS:BANF, NYSE:FBP, NAS:WABC, NAS:WSFS, AMEX:TMP, NAS:BNCL, NAS:BPFH, NAS:CBF, NAS:STBA, NAS:BNCN, NAS:FFBC, NYSE:YDKN, NYSE:FCF, NAS:RNST, AMEX:PRK, NAS:HTLF, NAS:NBTB, NAS:CSFL » details
Ameris Bancorp is a financial holding company through its subsidiary Ameris Bank operates a full service banking services to its retail and commercial customers.

Ameris Bancorp was incorporated on December 18, 1980. The Company is a financial holding company whose business is conducted through its wholly owned banking subsidiary, Ameris Bank (the "Bank"), which provides a full range of banking services to its retail and commercial customers who are concentrated in select markets in Georgia, Alabama, Florida and South Carolina. The Company maintains a diversified loan portfolio by providing a broad range of commercial and retail lending services to business entities and individuals. It 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. The Company provides a full range of deposit accounts and services to both retail and commercial customers. These deposit accounts have a variety of interest rates and terms and consist of interest-bearing and noninterest-bearing accounts, including commercial and retail checking accounts, regular interest-bearing savings accounts, money market accounts, individual retirement accounts and certificates of deposit. The Company and the Bank are subject to the regulations of certain federal and state agencies and are periodically examined by those regulatory agencies.

Ratios

vs
industry
vs
history
P/E(ttm) 21.23
ABCB's P/E(ttm) is ranked lower than
77% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. ABCB: 21.23 )
Ranked among companies with meaningful P/E(ttm) only.
ABCB' s P/E(ttm) Range Over the Past 10 Years
Min: 9.85  Med: 18.4 Max: 126.5
Current: 21.23
9.85
126.5
Forward P/E 16.03
ABCB's Forward P/E is ranked lower than
57% of the 360 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.55 vs. ABCB: 16.03 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.23
ABCB's PE(NRI) is ranked lower than
77% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. ABCB: 21.23 )
Ranked among companies with meaningful PE(NRI) only.
ABCB' s PE(NRI) Range Over the Past 10 Years
Min: 9.85  Med: 18.41 Max: 126.5
Current: 21.23
9.85
126.5
Price/Owner Earnings (ttm) 15.67
ABCB's Price/Owner Earnings (ttm) is ranked lower than
55% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. ABCB: 15.67 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ABCB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.91  Med: 17.02 Max: 1693.33
Current: 15.67
5.91
1693.33
P/B 2.28
ABCB's P/B is ranked lower than
89% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. ABCB: 2.28 )
Ranked among companies with meaningful P/B only.
ABCB' s P/B Range Over the Past 10 Years
Min: 0.29  Med: 1.32 Max: 2.56
Current: 2.28
0.29
2.56
P/S 4.51
ABCB's P/S is ranked lower than
71% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. ABCB: 4.51 )
Ranked among companies with meaningful P/S only.
ABCB' s P/S Range Over the Past 10 Years
Min: 0.59  Med: 2.42 Max: 5.28
Current: 4.51
0.59
5.28
EV-to-EBIT 18.33
ABCB's EV-to-EBIT is ranked lower than
68% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. ABCB: 18.33 )
Ranked among companies with meaningful EV-to-EBIT only.
ABCB' s EV-to-EBIT Range Over the Past 10 Years
Min: -94.2  Med: 12.7 Max: 25
Current: 18.33
-94.2
25
EV-to-EBITDA 16.04
ABCB's EV-to-EBITDA is ranked lower than
67% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. ABCB: 16.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
ABCB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -99.8  Med: 10.7 Max: 123.7
Current: 16.04
-99.8
123.7
Shiller P/E 114.20
ABCB's Shiller P/E is ranked lower than
98% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. ABCB: 114.20 )
Ranked among companies with meaningful Shiller P/E only.
ABCB' s Shiller P/E Range Over the Past 10 Years
Min: 3.9  Med: 24.89 Max: 127.57
Current: 114.2
3.9
127.57

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.72
ABCB's Dividend Yield is ranked lower than
93% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. ABCB: 0.72 )
Ranked among companies with meaningful Dividend Yield only.
ABCB' s Dividend Yield Range Over the Past 10 Years
Min: 0.21  Med: 2.06 Max: 7.66
Current: 0.72
0.21
7.66
Dividend Payout 0.13
ABCB's Dividend Payout is ranked higher than
89% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. ABCB: 0.13 )
Ranked among companies with meaningful Dividend Payout only.
ABCB' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.25 Max: 0.51
Current: 0.13
0.1
0.51
Forward Dividend Yield 0.96
ABCB's Forward Dividend Yield is ranked lower than
93% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. ABCB: 0.96 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.72
ABCB's Yield on cost (5-Year) is ranked lower than
95% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. ABCB: 0.72 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ABCB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.21  Med: 2.06 Max: 7.66
Current: 0.72
0.21
7.66
3-Year Average Share Buyback Ratio -10.60
ABCB's 3-Year Average Share Buyback Ratio is ranked lower than
76% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. ABCB: -10.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ABCB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -19.4  Med: -4.1 Max: 1.4
Current: -10.6
-19.4
1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.94
ABCB's Price/Tangible Book is ranked lower than
93% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. ABCB: 2.94 )
Ranked among companies with meaningful Price/Tangible Book only.
ABCB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.49  Med: 1.66 Max: 3.23
Current: 2.94
0.49
3.23
Price/Projected FCF 4.23
ABCB's Price/Projected FCF is ranked lower than
97% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. ABCB: 4.23 )
Ranked among companies with meaningful Price/Projected FCF only.
ABCB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.67 Max: 4.33
Current: 4.23
0.17
4.33
Price/Median PS Value 1.89
ABCB's Price/Median PS Value is ranked lower than
92% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. ABCB: 1.89 )
Ranked among companies with meaningful Price/Median PS Value only.
ABCB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.29  Med: 1.03 Max: 2.19
Current: 1.89
0.29
2.19
Price/Peter Lynch Fair Value 1.42
ABCB's Price/Peter Lynch Fair Value is ranked lower than
61% of the 399 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. ABCB: 1.42 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ABCB' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.62  Med: 1.44 Max: 3.59
Current: 1.42
0.62
3.59
Price/Graham Number 1.67
ABCB's Price/Graham Number is ranked lower than
89% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. ABCB: 1.67 )
Ranked among companies with meaningful Price/Graham Number only.
ABCB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.58  Med: 1.2 Max: 2.16
Current: 1.67
0.58
2.16
Earnings Yield (Greenblatt) (%) 5.44
ABCB's Earnings Yield (Greenblatt) (%) is ranked lower than
52% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. ABCB: 5.44 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ABCB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4  Med: 7.2 Max: 2929.2
Current: 5.44
4
2929.2
Forward Rate of Return (Yacktman) (%) 13.90
ABCB's Forward Rate of Return (Yacktman) (%) is ranked higher than
58% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. ABCB: 13.90 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ABCB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 4.1  Med: 12.3 Max: 35.6
Current: 13.9
4.1
35.6

More Statistics

Revenue (TTM) (Mil) $314.6
EPS (TTM) $ 1.98
Beta1.26
Short Percentage of Float2.53%
52-Week Range $24.96 - 47.70
Shares Outstanding (Mil)34.92

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.28 2.60 3.22
EPS w/o NRI ($) 2.28 2.60 3.22
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($) 0.10
» More Articles for ABCB

Headlines

Articles On GuruFocus.com
7 Stocks With Low P/S Ratios Jan 11 2017 
Bernard Horn's Polaris Global Value Fund 2nd Quarter Letter Jul 12 2016 
Bernard Horn's 1st Quarter 2016 Polaris Global Value Fund Apr 22 2016 
Polaris Global Value Fund Annual Letter 2015 Mar 21 2016 
Bernard Horn's Polaris Global Value Fund 4th Quarter Letter Jan 25 2016 
NWQ Managers Makes 10 New Buys in 3rd Quarter Dec 16 2015 
Global Guru Bernard Horn Reports his Top Five from the Second Quarter Aug 22 2014 
Bernard Horn Comments on Ameris Bancorp Aug 07 2014 
International Guru Bernard Horn Reports His Top Five in the First Quarter May 07 2014 
Ameris Bancorp Reports Operating Results (10-K) Mar 16 2011 

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