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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 0.21
ABCB's Cash-to-Debt is ranked lower than
80% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. ABCB: 0.21 )
Ranked among companies with meaningful Cash-to-Debt only.
ABCB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.21  Med: 1.05 Max: No Debt
Current: 0.21
Equity-to-Asset 0.11
ABCB's Equity-to-Asset is ranked lower than
61% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ABCB: 0.11 )
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: 0.11
0.08
0.13
Interest Coverage 5.36
ABCB's Interest Coverage is ranked higher than
81% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. ABCB: 5.36 )
Ranked among companies with meaningful Interest Coverage only.
ABCB' s Interest Coverage Range Over the Past 10 Years
Min: 0.32  Med: 2.89 Max: 5.34
Current: 5.36
0.32
5.34
Beneish M-Score: -3.67
WACC vs ROIC
9.12%
8.53%
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 : 5/10

vs
industry
vs
history
Operating Margin % 35.09
ABCB's Operating Margin % is ranked higher than
53% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. ABCB: 35.09 )
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: 32.37
Current: 35.09
-26.06
32.37
Net Margin % 24.03
ABCB's Net Margin % is ranked lower than
52% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. ABCB: 24.03 )
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: 22.17
Current: 24.03
-31.57
22.17
ROE % 12.36
ABCB's ROE % is ranked higher than
71% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. ABCB: 12.36 )
Ranked among companies with meaningful ROE % only.
ABCB' s ROE % Range Over the Past 10 Years
Min: -20.7  Med: 6.22 Max: 12.42
Current: 12.36
-20.7
12.42
ROA % 1.23
ABCB's ROA % is ranked higher than
68% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. ABCB: 1.23 )
Ranked among companies with meaningful ROA % only.
ABCB' s ROA % Range Over the Past 10 Years
Min: -1.73  Med: 0.66 Max: 1.16
Current: 1.23
-1.73
1.16
3-Year Revenue Growth Rate 11.90
ABCB's 3-Year Revenue Growth Rate is ranked higher than
79% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. ABCB: 11.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ABCB' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -9.1  Med: 5.15 Max: 13.5
Current: 11.9
-9.1
13.5
3-Year EBITDA Growth Rate 32.90
ABCB's 3-Year EBITDA Growth Rate is ranked higher than
90% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. ABCB: 32.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ABCB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -12.2  Med: 8.3 Max: 32.9
Current: 32.9
-12.2
32.9
3-Year EPS without NRI Growth Rate 40.50
ABCB's 3-Year EPS without NRI Growth Rate is ranked higher than
91% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ABCB: 40.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ABCB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.9 Max: 40.5
Current: 40.5
0
40.5
GuruFocus has detected 4 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 30-Y Financials

Financials (Next Earnings Date: 2017-07-21 Est.)


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

» Details

Guru Trades

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

Chuck Royce 28,000 sh (New)
Mario Gabelli 9,000 sh (New)
Paul Tudor Jones Sold Out
NWQ Managers 1,204,296 sh (-2.21%)
Jim Simons 270,483 sh (-9.56%)
Bernard Horn 128,950 sh (-30.32%)
Ken Fisher 48,091 sh (-45.18%)
» More
Q1 2017

ABCB Guru Trades in Q1 2017

Chuck Royce 60,000 sh (+114.29%)
Ken Fisher 82,669 sh (+71.90%)
NWQ Managers 1,277,375 sh (+6.07%)
Mario Gabelli 9,000 sh (unchged)
Jim Simons 238,883 sh (-11.68%)
» 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:WSBC, NAS:FRME, NAS:SFNC, NAS:INDB, NAS:IBTX, NAS:FIBK, NAS:FFBC, NAS:LTXB, NAS:NBTB, AMEX:PRK, NAS:BANF, NAS:BANR, NAS:BNCN, NAS:RNST, NYSE:BHLB, NYSE:CADE, NAS:UBSH, NAS:TOWN, NAS:SFBS, NAS:UCBI » details
Headquarter Location:USA
Ameris Bancorp is a financial holding company through its subsidiary Ameris Bank provides a full service banking services to its retail and commercial customers in Georgia, Alabama, Florida and South Carolina.

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 19.54
ABCB's PE Ratio is ranked lower than
80% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. ABCB: 19.54 )
Ranked among companies with meaningful PE Ratio only.
ABCB' s PE Ratio Range Over the Past 10 Years
Min: 9.85  Med: 19.34 Max: 126.5
Current: 19.54
9.85
126.5
Forward PE Ratio 17.48
ABCB's Forward PE Ratio is ranked lower than
82% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. ABCB: 17.48 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.54
ABCB's PE Ratio without NRI is ranked lower than
80% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. ABCB: 19.54 )
Ranked among companies with meaningful PE Ratio without NRI only.
ABCB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.85  Med: 19.35 Max: 126.5
Current: 19.54
9.85
126.5
Price-to-Owner-Earnings 19.11
ABCB's Price-to-Owner-Earnings is ranked lower than
76% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. ABCB: 19.11 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ABCB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.91  Med: 16.97 Max: 1693.33
Current: 19.11
5.91
1693.33
PB Ratio 2.19
ABCB's PB Ratio is ranked lower than
91% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ABCB: 2.19 )
Ranked among companies with meaningful PB Ratio only.
ABCB' s PB Ratio Range Over the Past 10 Years
Min: 0.29  Med: 1.32 Max: 2.63
Current: 2.19
0.29
2.63
PS Ratio 4.71
ABCB's PS Ratio is ranked lower than
76% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. ABCB: 4.71 )
Ranked among companies with meaningful PS Ratio only.
ABCB' s PS Ratio Range Over the Past 10 Years
Min: 0.59  Med: 2.45 Max: 5.2
Current: 4.71
0.59
5.2
EV-to-EBIT 18.15
ABCB's EV-to-EBIT is ranked lower than
73% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. ABCB: 18.15 )
Ranked among companies with meaningful EV-to-EBIT only.
ABCB' s EV-to-EBIT Range Over the Past 10 Years
Min: -94.2  Med: 12.2 Max: 25
Current: 18.15
-94.2
25
EV-to-EBITDA 16.23
ABCB's EV-to-EBITDA is ranked lower than
72% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. ABCB: 16.23 )
Ranked among companies with meaningful EV-to-EBITDA only.
ABCB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -100  Med: 10.7 Max: 123.7
Current: 16.23
-100
123.7
PEG Ratio 1.01
ABCB's PEG Ratio is ranked higher than
58% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. ABCB: 1.01 )
Ranked among companies with meaningful PEG Ratio only.
ABCB' s PEG Ratio Range Over the Past 10 Years
Min: 0.53  Med: 1.5 Max: 45.25
Current: 1.01
0.53
45.25
Shiller PE Ratio 114.31
ABCB's Shiller PE Ratio is ranked lower than
98% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. ABCB: 114.31 )
Ranked among companies with meaningful Shiller PE Ratio only.
ABCB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.86  Med: 25.38 Max: 128.29
Current: 114.31
3.86
128.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.78
ABCB's Dividend Yield % is ranked lower than
93% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. ABCB: 0.78 )
Ranked among companies with meaningful Dividend Yield % only.
ABCB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.21  Med: 1.96 Max: 7.66
Current: 0.78
0.21
7.66
Dividend Payout Ratio 0.15
ABCB's Dividend Payout Ratio is ranked higher than
88% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ABCB: 0.15 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ABCB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.15 Max: 0.51
Current: 0.15
0.1
0.51
Forward Dividend Yield % 0.89
ABCB's Forward Dividend Yield % is ranked lower than
92% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. ABCB: 0.89 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.78
ABCB's 5-Year Yield-on-Cost % is ranked lower than
94% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. ABCB: 0.78 )
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: 1.96 Max: 7.66
Current: 0.78
0.21
7.66
3-Year Average Share Buyback Ratio -11.60
ABCB's 3-Year Average Share Buyback Ratio is ranked lower than
79% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. ABCB: -11.60 )
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: -32.1  Med: -4.8 Max: 1.4
Current: -11.6
-32.1
1.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.70
ABCB's Price-to-Tangible-Book is ranked lower than
94% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. ABCB: 2.70 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ABCB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.49  Med: 1.6 Max: 3.23
Current: 2.7
0.49
3.23
Price-to-Intrinsic-Value-Projected-FCF 3.53
ABCB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
98% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. ABCB: 3.53 )
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: 0.17  Med: 0.7 Max: 4.34
Current: 3.53
0.17
4.34
Price-to-Median-PS-Value 1.94
ABCB's Price-to-Median-PS-Value is ranked lower than
92% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. ABCB: 1.94 )
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: 0.29  Med: 1.04 Max: 2.61
Current: 1.94
0.29
2.61
Price-to-Peter-Lynch-Fair-Value 0.93
ABCB's Price-to-Peter-Lynch-Fair-Value is ranked lower than
51% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. ABCB: 0.93 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ABCB' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.62  Med: 1.42 Max: 3.59
Current: 0.93
0.62
3.59
Price-to-Graham-Number 1.53
ABCB's Price-to-Graham-Number is ranked lower than
92% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. ABCB: 1.53 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ABCB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.58  Med: 1.15 Max: 2.16
Current: 1.53
0.58
2.16
Earnings Yield (Greenblatt) % 5.51
ABCB's Earnings Yield (Greenblatt) % is ranked lower than
55% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. ABCB: 5.51 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ABCB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4  Med: 7.3 Max: 2929.2
Current: 5.51
4
2929.2
Forward Rate of Return (Yacktman) % 19.40
ABCB's Forward Rate of Return (Yacktman) % is ranked higher than
66% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. ABCB: 19.40 )
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: 12.8 Max: 40.4
Current: 19.4
4.1
40.4

More Statistics

Revenue (TTM) (Mil) $336.7
EPS (TTM) $ 2.29
Beta1.32
Short Percentage of Float4.34%
52-Week Range $27.92 - 49.50
Shares Outstanding (Mil)37.14

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 2.56 3.21
EPS without NRI ($) 2.56 3.21
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.40 0.40
» More Articles for ABCB

Headlines

Articles On GuruFocus.com
Ameris Bancorp Announces Date Of First Quarter 2017 Earnings Release And Conference Call Apr 04 2017 
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 

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