Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
ABCB 
Ameris Bancorp (ABCB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
01/27/2025: ABCB (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 28.66% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.94B USD | Price to earnings Ratio 11 | 1Y Target Price 76 |
Price to earnings Ratio 11 | 1Y Target Price 76 | ||
Volume (30-day avg) 437178 | Beta 1.03 | 52 Weeks Range 43.85 - 74.32 | Updated Date 03/30/2025 |
52 Weeks Range 43.85 - 74.32 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 1.40% | Basic EPS (TTM) 5.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.14% | Operating Margin (TTM) 51.92% |
Management Effectiveness
Return on Assets (TTM) 1.39% | Return on Equity (TTM) 9.99% |
Valuation
Trailing PE 11 | Forward PE 13 | Enterprise Value 3177609728 | Price to Sales(TTM) 3.64 |
Enterprise Value 3177609728 | Price to Sales(TTM) 3.64 | ||
Enterprise Value to Revenue 3.96 | Enterprise Value to EBITDA - | Shares Outstanding 69068600 | Shares Floating 64882191 |
Shares Outstanding 69068600 | Shares Floating 64882191 | ||
Percent Insiders 5.1 | Percent Institutions 93.24 |
Analyst Ratings
Rating 4.2 | Target Price 73.2 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Ameris Bancorp
Company Overview
History and Background
Ameris Bancorp was founded in 1971 as American Banking Company. It has grown through acquisitions and organic expansion to become a prominent regional bank in the Southeast.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, equipment financing, and treasury management services.
- Retail Banking: Offers consumer banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Palmer Proctor serves as the CEO of Ameris Bancorp. The company has a traditional hierarchical structure with various departments reporting to executive management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is not publicly available. Competitors include Truist Financial (TFC), Regions Financial (RF), and Synovus Financial (SNV).
- Small Business Loans: Offers SBA loans and other financing options to small businesses. Market share data is not publicly available. Competitors include Bank of America (BAC), Wells Fargo (WFC), and Truist Financial (TFC).
- Mortgage Lending: Provides residential mortgage loans. Market share data is not publicly available. Competitors include Rocket Companies (RKT), United Wholesale Mortgage (UWMC), and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, inflation, and increased competition from fintech companies.
Positioning
Ameris Bancorp is positioned as a regional bank focused on the Southeast market. Its competitive advantages include its local market knowledge and relationship-based banking approach.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated to be in the billions of dollars. Ameris Bancorp is positioned to capture a portion of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Diversified revenue streams
- Solid credit quality
Weaknesses
- Reliance on the Southeast market
- Limited international presence
- Higher operating expenses than larger peers
- Sensitivity to interest rate fluctuations
Opportunities
- Acquisitions of smaller banks in the Southeast
- Expansion into new markets
- Growth in wealth management business
- Increased adoption of digital banking technologies
Threats
- Economic downturn
- Increased competition from fintech companies
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- Truist Financial (TFC)
- Regions Financial (RF)
- Synovus Financial (SNV)
Competitive Landscape
Ameris Bancorp's advantages include its strong regional presence and relationship-based banking approach. Disadvantages include its smaller size compared to larger national banks.
Major Acquisitions
Fidelity Southern Corporation
- Year: 2019
- Acquisition Price (USD millions): 757
- Strategic Rationale: Expanded Ameris Bancorp's presence in the Atlanta market.
Growth Trajectory and Initiatives
Historical Growth: Data not currently available. Requires historical revenue data to assess growth trends.
Future Projections: Data not currently available. Requires analyst estimates for future growth.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets within the Southeast.
Summary
Ameris Bancorp is a regional bank with a solid presence in the Southeast. The company benefits from a diversified revenue stream and a seasoned management team. However, it faces threats from economic uncertainty and competition. Strategic acquisitions have been successful in expanding their footprint and should continue to look for such opportunities.
Similar Companies
- TFC
- RF
- SNV
- CMA
Sources and Disclaimers
Data Sources:
- Company filings
- Earnings call transcripts
- Analyst reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ameris Bancorp
Exchange NASDAQ | Headquaters Atlanta, GA, United States | ||
IPO Launch date 1994-05-19 | Vice Chairman & CEO Mr. H. Palmer Proctor Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2691 | Website https://www.amerisbank.com |
Full time employees 2691 | Website https://www.amerisbank.com | ||
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans, equipment finance loans, and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. The company was founded in 1971 and is headquartered in Atlanta, Georgia.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.