Ameris Bancorp (FRA:AXU) Cyclically Adjusted FCF per Share: €2.21 (As of Jun. 2026)

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FRA:AXU Ameris Bancorp FRA:AXU
60 GF Score
Price €71.50
GF Value €61.95
! 7 Warning Signs
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What is Ameris Bancorp Cyclically Adjusted FCF per Share?

Ameris Bancorp FRA:AXU +2.14% 60 Cyclically Adjusted FCF per Share is €2.21 as of Jun. 2026. GuruFocus rates FRA:AXU with a GF Score™ of 60/100 and a GF Value™ of €61.95. 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 €0.916. 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 €2.21 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 €71.50. Ameris Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €2.21. Ameris Bancorp's Cyclically Adjusted Price-to-FCF of today is 32.35.

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  (FRA:AXU) 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
=71.50/2.21
=32.35

* 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 -1.11 0.26 0.90 1.22 1.74

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 1.41 1.58 1.74 2.01 2.21

FRA:AXU 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.


FRA:AXU
60GF Score
Ameris Bancorp FRA:AXU
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)
=0.916/333.9520*333.9520
=0.916

Current CPI (Jun. 2026) = 333.9520.

Ameris Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -1.205 241.428 -1.667
201612 -0.274 241.432 -0.379
201703 0.312 243.801 0.427
201706 -1.964 244.955 -2.678
201709 -0.626 246.819 -0.847
201712 0.729 246.524 0.988
201803 1.004 249.554 1.344
201806 -2.283 251.989 -3.026
201809 -0.761 252.439 -1.007
201812 -0.332 251.233 -0.441
201903 1.084 254.202 1.424
201906 -0.633 256.143 -0.825
201909 -8.056 256.759 -10.478
201912 -4.623 256.974 -6.008
202003 3.873 258.115 5.011
202006 -4.267 257.797 -5.528
202009 4.906 260.280 6.295
202012 4.910 260.474 6.295
202103 -5.762 264.877 -7.265
202106 4.388 271.696 5.393
202109 -2.073 274.310 -2.524
202112 3.341 278.802 4.002
202203 4.652 287.504 5.404
202206 4.760 296.311 5.365
202209 5.038 296.808 5.668
202212 -0.035 296.797 -0.039
202303 1.731 301.836 1.915
202306 1.174 305.109 1.285
202309 1.740 307.789 1.888
202312 2.750 306.746 2.994
202403 0.202 312.332 0.216
202406 -1.351 314.175 -1.436
202409 1.301 315.301 1.378
202412 1.742 315.605 1.843
202503 1.530 319.799 1.598
202506 0.677 322.561 0.701
202509 1.247 324.800 1.282
202512 1.265 324.054 1.304
202603 3.184 330.213 3.220
202606 0.916 333.952 0.916

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 €2.21 mean?
Ameris Bancorp (FRA:AXU) has a Cyclically Adjusted FCF per Share of €2.21 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 €2.21. Overall, Ameris Bancorp has a GF Score™ of 60/100, 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 €2.21 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 €2.21. 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?
Ameris Bancorp (FRA:AXU) has a current Cyclically Adjusted FCF per Share of €2.21. The stock's GF Value™ is €61.95, compared to a current price of €71.50 — trading 15.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €2.21. 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 (FRA:AXU), the current Cyclically Adjusted FCF per Share is €2.21 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 (FRA:AXU) Overvalued in 2026?

Based on GuruFocus' analysis, Ameris Bancorp stock appears to be overvalued. The current stock price of €71.50 is trading 15.4% above its estimated GF Value™ of €61.95.

Key valuation signals for FRA:AXU:

  • Cyclically Adjusted FCF per Share: €2.21
  • GF Value™: €61.95 vs. price of €71.50 (15.4% above fair value)
  • GF Score™: 60/100 with 7 warning signs

No single metric tells the full story. See the FRA:AXU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Ameris Bancorp Business Description

Other Exchanges ABCB:USA
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 FRA:AXU

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

€71.50
Price
€61.95
GF Value