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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 2.72
NAS:ABCB's Cash-to-Debt is ranked lower than
61% of the 1617 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. NAS:ABCB: 2.72 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:ABCB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.34  Med: 1.64 Max: No Debt
Current: 2.72
0.34
No Debt
Equity-to-Asset 0.13
NAS:ABCB's Equity-to-Asset is ranked higher than
74% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. NAS:ABCB: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:ABCB' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.1 Max: 0.13
Current: 0.13
0.08
0.13
Debt-to-Equity 0.17
NAS:ABCB's Debt-to-Equity is ranked higher than
57% of the 1393 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. NAS:ABCB: 0.17 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:ABCB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05  Med: 0.45 Max: 1.21
Current: 0.17
0.05
1.21
Debt-to-EBITDA 0.52
NAS:ABCB's Debt-to-EBITDA is ranked higher than
81% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.79 vs. NAS:ABCB: 0.52 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAS:ABCB' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.52
Beneish M-Score: -2.01
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
Net Margin % 26.21
NAS:ABCB's Net Margin % is ranked higher than
53% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.15 vs. NAS:ABCB: 26.21 )
Ranked among companies with meaningful Net Margin % only.
NAS:ABCB' s Net Margin % Range Over the Past 10 Years
Min: -44.55  Med: 15.38 Max: 26.21
Current: 26.21
-44.55
26.21
ROE % 10.24
NAS:ABCB's ROE % is ranked higher than
55% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.79 vs. NAS:ABCB: 10.24 )
Ranked among companies with meaningful ROE % only.
NAS:ABCB' s ROE % Range Over the Past 10 Years
Min: -20.7  Med: 7.79 Max: 12.42
Current: 10.24
-20.7
12.42
ROA % 1.21
NAS:ABCB's ROA % is ranked higher than
62% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. NAS:ABCB: 1.21 )
Ranked among companies with meaningful ROA % only.
NAS:ABCB' s ROA % Range Over the Past 10 Years
Min: -1.73  Med: 0.78 Max: 1.25
Current: 1.21
-1.73
1.25
3-Year Revenue Growth Rate 9.50
NAS:ABCB's 3-Year Revenue Growth Rate is ranked higher than
62% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. NAS:ABCB: 9.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:ABCB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -8.9  Med: 6.5 Max: 11.9
Current: 9.5
-8.9
11.9
3-Year EPS without NRI Growth Rate 30.20
NAS:ABCB's 3-Year EPS without NRI Growth Rate is ranked higher than
65% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.30 vs. NAS:ABCB: 30.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:ABCB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 6.8 Max: 40.5
Current: 30.2
0
40.5
GuruFocus has detected 1 Warning Sign with Ameris Bancorp NAS:ABCB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:ABCB's 30-Y Financials

Financials (Next Earnings Date: 2019-04-19)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2018

ABCB Guru Trades in Q1 2018

Mario Gabelli 9,000 sh (unchged)
Bernard Horn 143,150 sh (unchged)
Jim Simons Sold Out
Ken Fisher 129,370 sh (-1.07%)
NWQ Managers 1,008,622 sh (-15.82%)
» More
Q2 2018

ABCB Guru Trades in Q2 2018

Mario Gabelli 9,000 sh (unchged)
Bernard Horn 143,150 sh (unchged)
Ken Fisher 96,787 sh (-25.19%)
NWQ Managers 933,552 sh (-7.44%)
» More
Q3 2018

ABCB Guru Trades in Q3 2018

NWQ Managers 1,403,449 sh (+50.33%)
Mario Gabelli 9,000 sh (unchged)
Bernard Horn 143,150 sh (unchged)
Ken Fisher 77,141 sh (-20.30%)
» More
Q4 2018

ABCB Guru Trades in Q4 2018

Jim Simons 149,408 sh (New)
NWQ Managers 1,526,506 sh (+8.77%)
Ken Fisher 77,141 sh (unchged)
Mario Gabelli 9,000 sh (unchged)
Bernard Horn 143,150 sh (unchged)
» 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%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
» Interactive Charts

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:INDB, NAS:LTXB, NAS:EGBN, NAS:WSBC, NAS:IBTX, NAS:BANF, NAS:BANR, NAS:PPBI, NAS:TRMK, NAS:FRME, NAS:TOWN, NYSE:HTH, NAS:RNST, NAS:SFBS, NYSE:BHLB, NAS:FIBK, AMEX:PRK, NAS:HTLF, NAS:HOPE, NAS:NBTB » details
Headquarter Location:USA
Ameris Bancorp provides business through its wholly owned banking subsidiary, Ameris Bank. Services include commercial real estate loans, which accounts for the major source of its income.

Ameris Bancorp is a financial holding company whose business is conducted primarily through its wholly owned banking subsidiary, Ameris Bank. The bank provides a full range of banking services to its retail and commercial customers in select markets. Those markets are in the southeastern United States. The bank operates scores of banking offices with relative autonomy. The bank's strategy emphasizes greater penetration of its current market through acquisition-oriented growth, knowledge of local markets, and efficient operations. The bank's loan portfolio is well-diversified, with commercial real estate loans reflecting the largest portion of the portfolio. Net interest income is the largest contributor to net income.

Ratios

vs
industry
vs
history
PE Ratio 12.13
ABCB's PE Ratio is ranked lower than
67% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. ABCB: 12.13 )
Ranked among companies with meaningful PE Ratio only.
ABCB' s PE Ratio Range Over the Past 10 Years
Min: 10.46  Med: 21.64 Max: 126.5
Current: 12.13
10.46
126.5
Forward PE Ratio 8.27
ABCB's Forward PE Ratio is ranked higher than
66% of the 487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.17 vs. ABCB: 8.27 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.13
ABCB's PE Ratio without NRI is ranked lower than
67% of the 1532 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.43 vs. ABCB: 12.13 )
Ranked among companies with meaningful PE Ratio without NRI only.
ABCB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.46  Med: 21.64 Max: 126.5
Current: 12.13
10.46
126.5
Price-to-Owner-Earnings 12.79
ABCB's Price-to-Owner-Earnings is ranked lower than
75% of the 989 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.46 vs. ABCB: 12.79 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ABCB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.9  Med: 15.88 Max: 90.71
Current: 12.79
3.9
90.71
PB Ratio 1.09
ABCB's PB Ratio is ranked lower than
64% of the 1651 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. ABCB: 1.09 )
Ranked among companies with meaningful PB Ratio only.
ABCB' s PB Ratio Range Over the Past 10 Years
Min: 0.29  Med: 1.46 Max: 2.63
Current: 1.09
0.29
2.63
PS Ratio 3.15
ABCB's PS Ratio is ranked lower than
67% of the 1649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.01 vs. ABCB: 3.15 )
Ranked among companies with meaningful PS Ratio only.
ABCB' s PS Ratio Range Over the Past 10 Years
Min: 0.59  Med: 2.83 Max: 5.86
Current: 3.15
0.59
5.86
EV-to-Revenue 2.55
ABCB's EV-to-Revenue is ranked lower than
69% of the 1325 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.55 vs. ABCB: 2.55 )
Ranked among companies with meaningful EV-to-Revenue only.
ABCB' s EV-to-Revenue Range Over the Past 10 Years
Min: -1.1  Med: 2.9 Max: 7.9
Current: 2.55
-1.1
7.9
Shiller PE Ratio 43.14
ABCB's Shiller PE Ratio is ranked lower than
95% of the 672 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.52 vs. ABCB: 43.14 )
Ranked among companies with meaningful Shiller PE Ratio only.
ABCB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.9  Med: 47.4 Max: 131.76
Current: 43.14
3.9
131.76

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.19
ABCB's Dividend Yield % is ranked lower than
90% of the 2587 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. ABCB: 1.19 )
Ranked among companies with meaningful Dividend Yield % only.
ABCB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.21  Med: 0.78 Max: 7.66
Current: 1.19
0.21
7.66
Dividend Payout Ratio 0.14
ABCB's Dividend Payout Ratio is ranked higher than
88% of the 1420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ABCB: 0.14 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ABCB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.14 Max: 0.2
Current: 0.14
0.1
0.2
3-Year Dividend Growth Rate 26.00
ABCB's 3-Year Dividend Growth Rate is ranked higher than
92% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. ABCB: 26.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ABCB' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 5.8 Max: 38.7
Current: 26
0
38.7
Forward Dividend Yield % 1.19
ABCB's Forward Dividend Yield % is ranked lower than
92% of the 2534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.16 vs. ABCB: 1.19 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.20
ABCB's 5-Year Yield-on-Cost % is ranked lower than
91% of the 2561 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.65 vs. ABCB: 1.20 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ABCB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.21  Med: 0.78 Max: 7.66
Current: 1.2
0.21
7.66
3-Year Average Share Buyback Ratio -13.80
ABCB's 3-Year Average Share Buyback Ratio is ranked lower than
78% of the 1137 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. ABCB: -13.80 )
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: -32.1  Med: -4.85 Max: 1.4
Current: -13.8
-32.1
1.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.78
ABCB's Price-to-Tangible-Book is ranked lower than
85% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ABCB: 1.78 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ABCB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.7  Med: 1.68 Max: 3.22
Current: 1.78
0.7
3.22
Price-to-Intrinsic-Value-Projected-FCF 2.50
ABCB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
96% of the 958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.76 vs. ABCB: 2.50 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ABCB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.28  Med: 0.75 Max: 6.03
Current: 2.5
0.28
6.03
Price-to-Median-PS-Value 1.12
ABCB's Price-to-Median-PS-Value is ranked lower than
80% of the 1524 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. ABCB: 1.12 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ABCB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.37  Med: 0.89 Max: 2.26
Current: 1.12
0.37
2.26
Price-to-Graham-Number 0.97
ABCB's Price-to-Graham-Number is ranked lower than
87% of the 1476 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. ABCB: 0.97 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ABCB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.53  Med: 1.05 Max: 1.79
Current: 0.97
0.53
1.79

More Statistics

Revenue (TTM) (Mil) $461.80
EPS (TTM) $ 2.76
Beta1.83
Volatility40.07%
52-Week Range $29.97 - 58.10
Shares Outstanding (Mil)47.50

Analyst Estimate

Dec19 Dec20
Revenue (Mil $)
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 3.26 4.80
EPS without NRI ($) 3.26 4.80
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.70 0.80

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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