ABCB (Ameris Bancorp) Cyclically Adjusted FCF per Share: $2.64 (As of Jun. 2026)

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ABCB Ameris Bancorp ABCB
60 GF Score
Price $85.83
GF Value $74.36
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Ameris Bancorp Cyclically Adjusted FCF per Share?

Ameris Bancorp ABCB +1.01% 60 Cyclically Adjusted FCF per Share is $2.64 as of Jun. 2026. 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.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Ameris Bancorp's adjusted free cash flow per share for the three months ended in Jun. 2026 was $1.055. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.64 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Ameris Bancorp's average Cyclically Adjusted FCF Growth Rate was 59.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 93.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Ameris Bancorp was 93.20% per year. The lowest was -59.60% per year. And the median was -0.90% per year.

As of today (2026-09-04), Ameris Bancorp's current stock price is $85.83. Ameris Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $2.64. Ameris Bancorp's Cyclically Adjusted Price-to-FCF of today is 32.51.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Ameris Bancorp was 995.00. The lowest was 32.42. And the median was 62.33.


Ameris Bancorp  (NYSE:ABCB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Ameris Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=85.83/2.64
=32.51

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Ameris Bancorp was 995.00. The lowest was 32.42. And the median was 62.33.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Ameris Bancorp Cyclically Adjusted FCF per Share Related Terms


Ameris Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Ameris Bancorp's Cyclically Adjusted FCF per Share 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.

Ameris Bancorp Cyclically Adjusted FCF per Share Chart

Ameris Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.26 0.28 1.00 1.29 2.02

Ameris Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.66 1.84 2.02 2.38 2.64

ABCB vs AUB, ASB, FLG: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Ameris Bancorp's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Ameris Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Ameris Bancorp's Cyclically Adjusted Price-to-FCF falls into.


ABCB
60GF Score
Ameris Bancorp ABCB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Ameris Bancorp Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Ameris Bancorp's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.055/333.9520*333.9520
=1.055

Current CPI (Jun. 2026) = 333.9520.

Ameris Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -1.352 241.428 -1.870
201612 -0.289 241.432 -0.400
201703 0.334 243.801 0.458
201706 -2.207 244.955 -3.009
201709 -0.746 246.819 -1.009
201712 0.863 246.524 1.169
201803 1.238 249.554 1.657
201806 -2.667 251.989 -3.534
201809 -0.888 252.439 -1.175
201812 -0.377 251.233 -0.501
201903 1.225 254.202 1.609
201906 -0.715 256.143 -0.932
201909 -8.872 256.759 -11.539
201912 -5.137 256.974 -6.676
202003 4.279 258.115 5.536
202006 -4.805 257.797 -6.224
202009 5.779 260.280 7.415
202012 5.973 260.474 7.658
202103 -6.860 264.877 -8.649
202106 5.287 271.696 6.498
202109 -2.439 274.310 -2.969
202112 3.775 278.802 4.522
202203 5.123 287.504 5.951
202206 5.032 296.311 5.671
202209 4.988 296.808 5.612
202212 -0.037 296.797 -0.042
202303 1.853 301.836 2.050
202306 1.272 305.109 1.392
202309 1.857 307.789 2.015
202312 2.999 306.746 3.265
202403 0.219 312.332 0.234
202406 -1.454 314.175 -1.546
202409 1.444 315.301 1.529
202412 1.824 315.605 1.930
202503 1.654 319.799 1.727
202506 0.781 322.561 0.809
202509 1.464 324.800 1.505
202512 1.482 324.054 1.527
202603 3.680 330.213 3.722
202606 1.055 333.952 1.055

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $2.64 mean?
Ameris Bancorp (ABCB) has a Cyclically Adjusted FCF per Share of $2.64 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Ameris Bancorp and its competitors.
Is Ameris Bancorp's Cyclically Adjusted FCF per Share too high?
Ameris Bancorp's current Cyclically Adjusted FCF per Share is $2.64. 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 Cyclically Adjusted FCF per Share compare to AUB and ASB?
Ameris Bancorp's Cyclically Adjusted FCF per Share of $2.64 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Ameris Bancorp and its competitors. Ameris Bancorp's current Cyclically Adjusted FCF per Share is $2.64. 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 Cyclically Adjusted FCF per Share is $2.64. 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 Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Ameris Bancorp (ABCB), the current Cyclically Adjusted FCF per Share is $2.64 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:

  • Cyclically Adjusted FCF per Share: $2.64
  • GF Value™: $74.36 vs. price of $85.83 (15.4% above fair value)
  • GF Score™: 60/100 with 7 warning signs

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 Business Description

Other Exchanges AXU:Germany
Address 3490 Piedmont Road North East, Suite 1550, Atlanta, GA, USA, 30305
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.
60GF Score

Get the complete analysis for ABCB

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$85.83
Price
$74.36
GF Value