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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 : 4/10

vs
industry
vs
history
Cash to Debt 1.09
ABCB's Cash to Debt is ranked lower than
55% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. ABCB: 1.09 )
Ranked among companies with meaningful Cash to Debt only.
ABCB' s Cash to Debt Range Over the Past 10 Years
Min: 0.27  Med: 1.05 Max: No Debt
Current: 1.09
Equity to Asset 0.09
ABCB's Equity to Asset is ranked lower than
60% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ABCB: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
ABCB' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.10 Max: 0.13
Current: 0.09
0.08
0.13
Interest Coverage 3.82
ABCB's Interest Coverage is ranked higher than
72% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. ABCB: 3.82 )
Ranked among companies with meaningful Interest Coverage only.
ABCB' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 1.15 Max: 3.83
Current: 3.82
0.32
3.83
F-Score: 3
WACC vs ROIC
9.00%
8.71%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 21.73
ABCB's Operating margin (%) is ranked lower than
72% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. ABCB: 21.73 )
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: 21.73
-26.06
37.27
Net-margin (%) 15.64
ABCB's Net-margin (%) is ranked lower than
73% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. ABCB: 15.64 )
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: 15.64
-31.57
24.8
ROE (%) 8.66
ABCB's ROE (%) is ranked higher than
55% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. ABCB: 8.66 )
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: 8.66
-20.7
13.52
ROA (%) 0.84
ABCB's ROA (%) is ranked lower than
52% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. ABCB: 0.84 )
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: 0.84
-1.73
1.18
Revenue Growth (3Y)(%) 4.60
ABCB's Revenue Growth (3Y)(%) is ranked higher than
62% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. ABCB: 4.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ABCB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.1  Med: 5.10 Max: 13.5
Current: 4.6
-9.1
13.5
EBITDA Growth (3Y)(%) 16.50
ABCB's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ABCB: 16.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ABCB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.7  Med: 7.90 Max: 16.5
Current: 16.5
0.7
16.5
EPS Growth (3Y)(%) 24.50
ABCB's EPS Growth (3Y)(%) is ranked higher than
81% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. ABCB: 24.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ABCB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.90 Max: 24.5
Current: 24.5
0
24.5
» ABCB's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

ABCB Guru Trades in Q1 2015

Jim Simons 304,268 sh (+18.48%)
Bernard Horn 185,050 sh (unchged)
» More
Q2 2015

ABCB Guru Trades in Q2 2015

Jim Simons 346,368 sh (+13.84%)
Bernard Horn 185,050 sh (unchged)
» More
Q3 2015

ABCB Guru Trades in Q3 2015

NWQ Managers 440,503 sh (New)
Ken Fisher 108,507 sh (New)
Jim Simons 486,168 sh (+40.36%)
Bernard Horn 185,050 sh (unchged)
» More
Q4 2015

ABCB Guru Trades in Q4 2015

Ken Fisher 135,614 sh (+24.98%)
» 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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Guru Investment Theses on Ameris Bancorp

Bernard Horn Comments on Ameris Bancorp - Aug 07, 2014

Similar to IBOC, Ameris Bancorp (ABCB) reported improved net income, higher interest margins and additional revenues from the acquisition of The Prosperity Banking Co. The company also reinstituted the dividend that they eliminated during the 2008- 2009 credit crisis, repaid TARP and completed another acquisition. Yet, the stock price dropped more than 7%; we can’t ascertain any fundamental reason for the decline.

From Bernard Horn (Trades, Portfolio)’s Polaris Global Value Fund Second Quarter 2014 Shareholder Letter.

Check out Bernard Horn latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 20.89
ABCB's P/E(ttm) is ranked lower than
83% of the 1403 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. ABCB: 20.89 )
Ranked among companies with meaningful P/E(ttm) only.
ABCB' s P/E(ttm) Range Over the Past 10 Years
Min: 9.99  Med: 17.73 Max: 220
Current: 20.89
9.99
220
Forward P/E 10.67
ABCB's Forward P/E is ranked lower than
52% of the 703 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.52 vs. ABCB: 10.67 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 20.80
ABCB's PE(NRI) is ranked lower than
83% of the 1401 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.40 vs. ABCB: 20.80 )
Ranked among companies with meaningful PE(NRI) only.
ABCB' s PE(NRI) Range Over the Past 10 Years
Min: 9.92  Med: 17.62 Max: 202.4
Current: 20.8
9.92
202.4
P/B 1.59
ABCB's P/B is ranked lower than
86% of the 1542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. ABCB: 1.59 )
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: 2.32
Current: 1.59
0.29
2.32
P/S 3.20
ABCB's P/S is ranked lower than
61% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.81 vs. ABCB: 3.20 )
Ranked among companies with meaningful P/S only.
ABCB' s P/S Range Over the Past 10 Years
Min: 0.59  Med: 2.43 Max: 5.56
Current: 3.2
0.59
5.56
PFCF 43.03
ABCB's PFCF is ranked lower than
95% of the 937 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.36 vs. ABCB: 43.03 )
Ranked among companies with meaningful PFCF only.
ABCB' s PFCF Range Over the Past 10 Years
Min: 3.4  Med: 10.06 Max: 75.09
Current: 43.03
3.4
75.09
POCF 25.31
ABCB's POCF is ranked lower than
91% of the 1036 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.10 vs. ABCB: 25.31 )
Ranked among companies with meaningful POCF only.
ABCB' s POCF Range Over the Past 10 Years
Min: 1.64  Med: 7.63 Max: 197.92
Current: 25.31
1.64
197.92
EV-to-EBIT 15.28
ABCB's EV-to-EBIT is ranked lower than
62% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.68 vs. ABCB: 15.28 )
Ranked among companies with meaningful EV-to-EBIT only.
ABCB' s EV-to-EBIT Range Over the Past 10 Years
Min: -94.2  Med: 12.10 Max: 25
Current: 15.28
-94.2
25
EV-to-EBITDA 12.80
ABCB's EV-to-EBITDA is ranked lower than
59% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.31 vs. ABCB: 12.80 )
Ranked among companies with meaningful EV-to-EBITDA only.
ABCB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -100  Med: 10.60 Max: 123.7
Current: 12.8
-100
123.7
Shiller P/E 81.72
ABCB's Shiller P/E is ranked lower than
96% of the 520 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.90 vs. ABCB: 81.72 )
Ranked among companies with meaningful Shiller P/E only.
ABCB' s Shiller P/E Range Over the Past 10 Years
Min: 3.86  Med: 23.84 Max: 112.52
Current: 81.72
3.86
112.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.76
ABCB's Dividend Yield is ranked lower than
93% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. ABCB: 0.76 )
Ranked among companies with meaningful Dividend Yield only.
ABCB' s Dividend Yield Range Over the Past 10 Years
Min: 0.21  Med: 2.46 Max: 7.66
Current: 0.76
0.21
7.66
Dividend Payout 0.16
ABCB's Dividend Payout is ranked higher than
84% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. ABCB: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
ABCB' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.41 Max: 4.25
Current: 0.16
0.1
4.25
Forward Dividend Yield 0.75
ABCB's Forward Dividend Yield is ranked lower than
95% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. ABCB: 0.75 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.76
ABCB's Yield on cost (5-Year) is ranked lower than
92% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. ABCB: 0.76 )
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: 2.46 Max: 7.66
Current: 0.76
0.21
7.66
3-Year Average Share Buyback Ratio -3.70
ABCB's 3-Year Average Share Buyback Ratio is ranked lower than
60% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. ABCB: -3.70 )
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: -20.2  Med: -3.75 Max: 0.9
Current: -3.7
-20.2
0.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.04
ABCB's Price/Tangible Book is ranked lower than
90% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.07 vs. ABCB: 2.04 )
Ranked among companies with meaningful Price/Tangible Book only.
ABCB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.49  Med: 1.60 Max: 3.23
Current: 2.04
0.49
3.23
Price/Projected FCF 1.85
ABCB's Price/Projected FCF is ranked lower than
92% of the 850 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. ABCB: 1.85 )
Ranked among companies with meaningful Price/Projected FCF only.
ABCB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.18  Med: 0.66 Max: 1.81
Current: 1.85
0.18
1.81
Price/Median PS Value 1.32
ABCB's Price/Median PS Value is ranked lower than
87% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.98 vs. ABCB: 1.32 )
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: 1.02 Max: 2.22
Current: 1.32
0.29
2.22
Price/Graham Number 1.67
ABCB's Price/Graham Number is ranked lower than
89% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 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: 1.18 Max: 2.74
Current: 1.67
0.58
2.74
Earnings Yield (Greenblatt) (%) 6.57
ABCB's Earnings Yield (Greenblatt) (%) is ranked lower than
55% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. ABCB: 6.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ABCB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4  Med: 7.40 Max: 2929.2
Current: 6.57
4
2929.2
Forward Rate of Return (Yacktman) (%) 5.76
ABCB's Forward Rate of Return (Yacktman) (%) is ranked lower than
69% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. ABCB: 5.76 )
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: 11.50 Max: 33.3
Current: 5.76
4.1
33.3

More Statistics

Revenue(Mil) $261
EPS $ 1.24
Beta1.06
Short Percentage of Float7.36%
52-Week Range $24.01 - 35.21
Shares Outstanding(Mil)32.20

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil)
EPS($) 1.73 2.21 2.49
EPS without NRI($) 1.73 2.21 2.49

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Ameris Bancorp was incorporated on December 18, 1980. The Company is a financial holding company whose business is conducted primarily 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 primarily 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.
» More Articles for ABCB

Headlines

Articles On GuruFocus.com
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 
Ameris Bancorp Reports Operating Results (10-Q) Nov 08 2010 
Ameris Bancorp Reports Operating Results (10-Q) Aug 09 2010 
Ameris Bancorp Reports Operating Results (10-Q) May 10 2010 
Ameris Bancorp (ABCB) CFO Dennis J Jr Zember buys 10,000 Shares Apr 21 2010 

More From Other Websites
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Ameris Bancorp posts 4Q profit Jan 22 2016
Ameris Bancorp Announces 2015 Financial Results Jan 22 2016
AMERIS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Jan 22 2016
Q4 2015 Ameris Bancorp Earnings Release - Before Market Open Jan 22 2016
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Ameris Bancorp Announces Fourth Quarter 2015 Earnings Release Date And Conference Call Jan 11 2016
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Ameris Bancorp breached its 50 day moving average in a Bearish Manner : January 5, 2016 Jan 05 2016
AMERIS BANCORP Financials Dec 08 2015
Ameris Bancorp Is Proof Of Life After Banks' Deaths Dec 02 2015
Is Ameris Bancorp (ABCB) Going to Burn These Hedge Funds? Nov 27 2015
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Edited Transcript of ABCB earnings conference call or presentation 23-Oct-15 2:00pm GMT Oct 23 2015
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