Ameris Bancorp (Ameris Bancorp) Debt-to-Equity

: 0.19 (As of Dec. 2023)

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Ameris Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0 Mil. Ameris Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $640 Mil. Ameris Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $3,427 Mil. Ameris Bancorp's debt to equity for the quarter that ended in Dec. 2023 was 0.19.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Ameris Bancorp's Debt-to-Equity or its related term are showing as below:

ABCB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.17 Med: 0.34 Max: 0.89
Current: 0.19

During the past 13 years, the highest Debt-to-Equity Ratio of Ameris Bancorp was 0.89. The lowest was 0.17. And the median was 0.34.

ABCB's Debt-to-Equity is ranked better than
83.48% of 1398 companies
in the Banks industry
Industry Median: 0.7 vs ABCB: 0.19

Ameris Bancorp Debt-to-Equity Historical Data

The historical data trend for Ameris Bancorp's Debt-to-Equity 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.

* Premium members only.

Ameris Bancorp Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

0.62

0.21

0.29

0.63

0.19

Ameris Bancorp Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity																0.63	0.78	0.51	0.40	0.19

Competitive Comparison

For the Banks - Regional subindustry, Ameris Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity Distribution

For the Banks industry and Financial Services sector, Ameris Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Ameris Bancorp's Debt-to-Equity falls into.

Ameris Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Ameris Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	639.901)	/	3426.747
	=	0.19

Ameris Bancorp's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	639.901)	/	3426.747
	=	0.19

Ameris Bancorp (NAS:ABCB) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Ameris Bancorp Debt-to-Equity Related Terms

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Ameris Bancorp (Ameris Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Ameris Bancorp (NAS:ABCB) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

AXU:Germany

Address

3490 Piedmont Road N.E., Suite 1550, Atlanta, GA, USA, 30305

Website

https://www.amerisbank.com

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 five segments: banking, retail mortgage, warehouse lending, SBA, and premium finance. The company generates most of its revenue from the banking division. Ameris intends to acquire banks in its geographic region to increase its market share and expand beyond its current market.

Executives

William Millard Choate	director	3490 PIEDMONT ROAD, SUITE 1550, ATLANTA GA 30305
William D Mckendry	officer: EVP & CRO	PO BOX 3668, MOULTRIE GA 31776
James A Lahaise	officer: Corporate Banking Executive	C/O FLAG FINANCIAL CORPORATION, 3475 PIEDMONT ROAD, NE, ATLANTA GA 30305
Nicole S Stokes	officer: EVP & Chief Financial Officer	3250 NORTH VALDOSTA ROAD, VALDOSTA GA 31602
Proctor H Palmer Jr	director, officer: President & CEO
Bowen William I. Jr.	director	P.O. BOX 3668, MOULTRIE GA 31776
Jimmy D Veal	director	P.O. BOX 3668, MOULTRIE GA 31776
Jon S Edwards	officer: EVP/CCO	P.O. BOX 3668, MOULTRIE GA 31776
Elizabeth A Mccague	director	P.O. BOX 3668, MOULTRIE GA 31776
Ronal Todd Shutley	officer: EVP, Chief Specialty Banking O	P.O. BOX 3668, MOULTRIE GA 31776
Robert P Lynch	director	P.O. BOX 3668, MOULTRIE GA 31776
Michael T Pierson	officer: EVP & Chief Operations Officer	3490 PIEDMONT ROAD, NE, SUITE 1550, ATLANTA GA 30305
Ross L Creasy	officer: EVP & Chief Innovation Officer	3490 PIEDMONT ROAD, NE, SUITE 1550, ATLANTA GA 30305
Robert Dale Ezzell	director	P.O. BOX 3668, MOULTRIE GA 31776
Bassett Lawton E Iii	officer: Banking Group President	PO BOX 3668, MOULTRIE GA 31776