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Ameris BancorpABCB +1.01%60 Cash-to-Debt is 0.86 as of Jun. 2026, which is 91% above its 10-year median of 0.45. GuruFocus rates ABCB with a GF Score™ of 60/100 and a GF Value™ of $74.36 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,489 Banks companies, Ameris Bancorp ranks worse than 62.26% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Ameris Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.86.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Ameris Bancorpcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Ameris Bancorp's Cash-to-Debt or its related term are showing as below:
ABCB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.11 Med: 0.45 Max: 4.67
Current: 0.86
During the past 13 years, Ameris Bancorp's highest Cash to Debt Ratio was 4.67. The lowest was 0.11. And the median was 0.45.
ABCB's Cash-to-Debt is ranked worse than 62.26% of 1489
companies
in the Banks industry
Industry Median: 1.38
vs ABCB: 0.86
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Ameris Bancorp Cash-to-Debt Related Terms
Ameris Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Ameris Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Ameris Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ameris Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Ameris Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Ameris Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ameris Bancorp (ABCB) has a Cash-to-Debt of 0.86 as of Jun. 2026. This is 91% above median its historical median of 0.45. Over the past decade, Ameris Bancorp's Cash-to-Debt has ranged from 0.11 to 4.67. According to the industry distribution chart, Ameris Bancorp ranks #927 out of 1489 companies in the Banks industry, placing it in the top 62.3%.
Is Ameris Bancorp's Cash-to-Debt too high?
Ameris Bancorp's current Cash-to-Debt of 0.86 is 91% above median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 4.67. The Banks industry median Cash-to-Debt is 1.38. Ameris Bancorp's value of 0.86 is 37.7% below this industry median. Based on the distribution chart, Ameris Bancorp ranks #927 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, Ameris Bancorp has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ameris Bancorp's Cash-to-Debt compare to AUB and ASB?
According to the Banks industry distribution chart, Ameris Bancorp ranks #927 out of 1489 companies for Cash-to-Debt. This places Ameris Bancorp in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Ameris Bancorp's value of 0.86 is 37.7% below this benchmark. Historically, Ameris Bancorp's own Cash-to-Debt has ranged from 0.11 to 4.67 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 1.38, Ameris Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ameris Bancorp's current Cash-to-Debt of 0.86 is 37.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ameris Bancorp's current Cash-to-Debt is 0.86, which is 91% above median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ameris Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Ameris Bancorp (ABCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $74.36, compared to a current price of $85.83 — trading 15.4% above its estimated fair value. The current Cash-to-Debt is 0.86, which is 91% above median its 10-year median of 0.45 and 37.7% below the Banks industry median of 1.38. Ameris Bancorp's overall GF Score™ is 60/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Ameris Bancorp (ABCB), the current Cash-to-Debt is 0.86 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ameris Bancorp (ABCB) Overvalued in 2026?
Based on GuruFocus' analysis, Ameris Bancorp stock appears to be overvalued.
The current stock price of $85.83 is trading 15.4% above its estimated GF Value™ of $74.36.
GuruFocus considers Ameris Bancorp to be Modestly Overvalued.
Key valuation signals for ABCB:
Cash-to-Debt: 0.86 (91% above median its 10-year median of 0.45)
GF Value™: $74.36 vs. price of $85.83 (15.4% above fair value)
Industry Position: 37.7% below the Banks median (#927 of 1489)
No single metric tells the full story. See the ABCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ameris Bancorp is a bank holding company that operates through Ameris Bank, its subsidiary. The company operates branches in Georgia, Alabama, Florida, and South Carolina. It offers traditional banking services such as business banking, personal banking, checking, savings, mobile banking, and others. The bank is organized into four segments: the Banking Division, the Retail Mortgage Division, the Warehouse Lending Division and the Premium Finance Division. The company generates majority of its revenue from the banking division. The company intends to acquire banks in its geographic region to increase its market share and expand beyond its current market.
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