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Ameris BancorpABCB +1.01%60 Net Margin % is 16.18% as of Jun. 2026, which is 38% below its 10-year median of 26.13. 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 1,519 Banks companies, Ameris Bancorp ranks better than 60.37% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Ameris Bancorp's Net Income for the
three
months ended in Jun. 2026 was $51 Mil. Ameris Bancorp's Revenue for the
three
months ended in Jun. 2026 was $318 Mil. Therefore, Ameris Bancorp's net margin for the quarter that ended in Jun. 2026 was 16.18%.
The historical rank and industry rank for Ameris Bancorp's Net Margin % or its related term are showing as below:
ABCB'
s Net Margin % Range Over the Past 10 Years
Min: 20.37 Med: 26.13 Max: 38.04
Current: 30.63
ABCB's Net Margin % is ranked better than 60.37% of 1519
companies
in the Banks industry
Industry Median: 27.34
vs ABCB: 30.63
Ameris Bancorp (NYSE:ABCB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Ameris Bancorp Net Margin % Related Terms
Ameris Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Ameris Bancorp's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ameris Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Ameris Bancorp's Net Margin % 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 Net Margin % of 16.18% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Ameris Bancorp and its competitors. This is 38% below median its historical median of 26.13. Over the past decade, Ameris Bancorp's Net Margin % has ranged from 20.37 to 38.04. According to the industry distribution chart, Ameris Bancorp ranks #602 out of 1519 companies in the Banks industry, placing it in the top 39.6%.
Is Ameris Bancorp's Net Margin % too high?
Ameris Bancorp's current Net Margin % of 16.18% is 38% below median its 10-year median of 26.13. Over the past 10 years, this metric has ranged from a low of 20.37 to a high of 38.04. The Banks industry median Net Margin % is 27.34. Ameris Bancorp's value of 16.18% is 40.8% below this industry median. Based on the distribution chart, Ameris Bancorp ranks #602 out of 1519 companies in the Banks industry, which is above 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 Net Margin % compare to AUB and ASB?
According to the Banks industry distribution chart, Ameris Bancorp ranks #602 out of 1519 companies for Net Margin %. This puts Ameris Bancorp in the upper half of its industry. The industry median Net Margin % is 27.34. Ameris Bancorp's value of 16.18% is 40.8% below this benchmark. Historically, Ameris Bancorp's own Net Margin % has ranged from 20.37 to 38.04 over the past decade. While the company's 10-year median is 26.13 vs. the industry median of 27.34, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.34, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ameris Bancorp's current Net Margin % of 16.18% is 40.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Ameris Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ameris Bancorp's current Net Margin % is 16.18%, which is 38% below median its own 10-year median of 26.13. 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 Net Margin % is 16.18%, which is 38% below median its 10-year median of 26.13 and 40.8% below the Banks industry median of 27.34. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Ameris Bancorp (ABCB), the current Net Margin % is 16.18% 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:
Net Margin %: 16.18% (38% below median its 10-year median of 26.13)
GF Value™: $74.36 vs. price of $85.83 (15.4% above fair value)
Industry Position: 40.8% below the Banks median (#602 of 1519)
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.
60GF Score
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