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Ameris BancorpFRA:AXU +2.14%60 EV-to-FCF is 11.43 as of Sep. 04, 2026, which is 196% above its 10-year median of 3.86. 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. Among 1,185 Banks companies, Ameris Bancorp ranks worse than 65.74% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Ameris Bancorp's Enterprise Value is €5,134 Mil.
Ameris Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was €449 Mil. Therefore, Ameris Bancorp's EV-to-FCF for today is 11.43.
The historical rank and industry rank for Ameris Bancorp's EV-to-FCF or its related term are showing as below:
FRA:AXU'
s EV-to-FCF Range Over the Past 10 Years
Min: -87.66 Med: 3.86 Max: 991.43
Current: 11.4
During the past 13 years, the highest EV-to-FCF of Ameris Bancorp was 991.43. The lowest was -87.66. And the median was 3.86.
FRA:AXU's EV-to-FCF is ranked worse than 65.74% of 1185
companies
in the Banks industry
Industry Median: 7.09
vs FRA:AXU: 11.40
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ameris Bancorp's PE Ratio (TTM) for today is calculated as:
Ameris Bancorp's share price for today is €71.50.
Ameris Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4.748.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Ameris Bancorp EV-to-FCF Related Terms
Ameris Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Ameris Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Ameris Bancorp's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Ameris Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Ameris Bancorp's EV-to-FCF falls into.
Ameris Bancorp's current Enterprise Value is €5,134 Mil.
Ameris Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €449 Mil.
* 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 (FRA:AXU) has a EV-to-FCF of 11.43 as of Sep. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ameris Bancorp and its competitors. This is 196% above median its historical median of 3.86. According to the industry distribution chart, Ameris Bancorp ranks #779 out of 1185 companies in the Banks industry, placing it in the top 65.7%.
Is Ameris Bancorp's EV-to-FCF too high?
Ameris Bancorp's current EV-to-FCF of 11.43 is 196% above median its 10-year median of 3.86. The Banks industry median EV-to-FCF is 7.09. Ameris Bancorp's value of 11.43 is 61.2% above this industry median. Based on the distribution chart, Ameris Bancorp ranks #779 out of 1185 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to AUB and ASB?
According to the Banks industry distribution chart, Ameris Bancorp ranks #779 out of 1185 companies for EV-to-FCF. This places Ameris Bancorp in the lower half of its industry. The industry median EV-to-FCF is 7.09. Ameris Bancorp's value of 11.43 is 61.2% above this benchmark. While the company's 10-year median is 3.86 vs. the industry median of 7.09, Ameris Bancorp has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.09, based on 1,185 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ameris Bancorp's current EV-to-FCF of 11.43 is 61.2% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ameris Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ameris Bancorp's current EV-to-FCF is 11.43, which is 196% above median its own 10-year median of 3.86. 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 EV-to-FCF of 11.43. 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 EV-to-FCF is 11.43, which is 196% above median its 10-year median of 3.86 and 61.2% above the Banks industry median of 7.09. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Ameris Bancorp (FRA:AXU), the current EV-to-FCF is 11.43 as of Sep. 04, 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:
EV-to-FCF: 11.43 (196% above median its 10-year median of 3.86)
GF Value™: €61.95 vs. price of €71.50 (15.4% above fair value)
Industry Position: 61.2% above the Banks median (#779 of 1185)
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 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
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