ABCB
Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
Ameris Bancorp
- Nom
- Ameris Bancorp
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $5.5B
- Employés
- 2,673
- PDG
- H. Palmer Proctor
- Site web
- https://www.amerisbank.com
- Marché
- AUBAVALAXFNBGBCIHOMB
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various 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, 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 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. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Decouvert par les declarations du Congres
- Insiders
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- Total bought
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Avg buy (VWAP, 90d window) —
- Total sold
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Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
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- Last synced
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2026-10-06 10:56:08
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Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
No Form 4 filings for this company in this window.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
| Date | Member | Side | Amount range | Filing |
|---|---|---|---|---|
| 2026-07-10 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
| 2026-07-09 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-07-10 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
| 2026-01-05 | Gilbert Ray Cisneros | Sale (Partial) | $1,001 - $15,000 |
| 2025-04-09 | Josh S. Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2023-03-14 | Josh S. Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2020-10-29 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
| 2020-10-16 | Josh S. Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-09-15 | Josh S. Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2020-04-23 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
ABCB presents a mixed profile: while improving profitability margins and a low debt-to-equity ratio offer some fundamental support, the weak liquidity score (45) combined with a current ratio below 1.0 and a tight…
The first sentence of the analysis written for ABCB on 2026-10-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. No open-market purchase or sale value stored
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.62 · operating margin 32% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 68.3% | 64.0% | 60.5% | 85.6% | 98.8% | |
| Ebit Margin | 32.0% | 29.1% | 24.0% | 39.7% | 47.8% | |
| Ebitda Margin | 34.4% | 32.0% | 27.1% | 44.4% | 52.4% | |
| Operating Profit Margin | 32.0% | 29.1% | 24.0% | 39.7% | 47.8% | |
| Pretax Profit Margin | 32.0% | 29.1% | 24.0% | 39.7% | 47.8% | |
| Continuous Operations Profit Margin | 24.7% | 22.0% | 18.1% | 30.4% | 36.3% | |
| Net Profit Margin | 24.7% | 22.0% | 18.1% | 30.4% | 36.3% | |
| Bottom Line Profit Margin | 24.7% | 22.0% | 18.1% | 30.4% | 36.3% | |
| Current Ratio | 0.624 | 0.133 | 0.124 | 0.135 | 0.236 | |
| Quick Ratio | 0.624 | 0.133 | 0.124 | 0.135 | 0.236 | |
| Solvency Ratio | 0.019 | 0.018 | 0.014 | 0.018 | 0.020 | |
| Cash Ratio | 0.474 | 0.056 | 0.056 | 0.057 | 0.206 | |
| Price To Earnings Ratio | 12.337 | 12.010 | 13.603 | 9.409 | 9.149 | |
| Price To Earnings Growth Ratio | 0.794 | 0.358 | -0.614 | -1.216 | 0.210 | |
| Forward Price To Earnings Growth Ratio | 0.794 | 0.358 | -0.614 | -1.216 | 0.210 | |
| Price To Earnings Diluted Ratio | 12.378 | 12.056 | 13.638 | 9.447 | 9.200 | |
| Price To Earnings Diluted Growth Ratio | 0.793 | 0.361 | -0.619 | -1.244 | 0.213 | |
| Price To Book Ratio | 1.247 | 1.148 | 1.068 | 1.020 | 1.163 | |
| Price To Sales Ratio | 3.052 | 2.637 | 2.459 | 2.858 | 3.321 | |
| Price To Free Cash Flow Ratio | 13.753 | 30.596 | 6.636 | 3.110 | -211.515 | |
| Price To Operating Cash Flow Ratio | 13.029 | 27.922 | 6.431 | 3.070 | 377.394 | |
| Debt To Assets Ratio | 0.027 | 0.016 | 0.025 | 0.080 | 0.037 | |
| Debt To Equity Ratio | 0.182 | 0.113 | 0.187 | 0.627 | 0.294 | |
| Debt To Capital Ratio | 0.154 | 0.102 | 0.157 | 0.385 | 0.227 | |
| Long Term Debt To Capital Ratio | 0.039 | 0.102 | 0.157 | 0.385 | 0.226 | |
| Financial Leverage Ratio | 6.751 | 7.000 | 7.355 | 7.836 | 8.043 | |
| Working Capital Turnover Ratio | -0.175 | -0.088 | -0.085 | -0.072 | -0.072 | |
| Operating Cash Flow Ratio | 0.729 | 0.007 | 0.027 | 0.055 | 0.000 | |
| Operating Cash Flow Sales Ratio | 0.234 | 0.094 | 0.382 | 0.931 | 0.009 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.947 | 0.913 | 0.969 | 0.987 | -1.784 | |
| Debt Service Coverage Ratio | 0.454 | 0.766 | 0.707 | 4.309 | 7.922 | |
| Interest Coverage Ratio | 1.166 | 0.899 | 0.801 | 4.879 | 10.382 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.729 | 0.000 | 0.000 | 0.000 | 1.564 | |
| Operating Cash Flow Coverage Ratio | 0.525 | 0.364 | 0.889 | 0.530 | 0.010 | |
| Capital Expenditure Coverage Ratio | 18.997 | 11.441 | 32.454 | 78.307 | 0.359 | |
| Dividend Paid And Capex Coverage Ratio | 5.148 | 2.807 | 9.614 | 19.255 | 0.136 | |
| Dividend Payout Ratio | 0.134 | 0.116 | 0.155 | 0.120 | 0.111 | |
| Enterprise Value Multiple | 9.739 | 6.715 | 7.774 | 8.185 | 0.509 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 68.3% | ▲4.3% | ▼-7.1% |
| Ebit Margin | 32.0% | ▲2.9% | ▼-2.5% |
| Ebitda Margin | 34.4% | ▲2.4% | ▼-3.7% |
| Operating Profit Margin | 32.0% | ▲2.9% | ▼-2.5% |
| Pretax Profit Margin | 32.0% | ▲2.9% | ▼-2.5% |
| Continuous Operations Profit Margin | 24.8% | ▲2.8% | ▼-1.5% |
| Net Profit Margin | 24.8% | ▲2.8% | ▼-1.5% |
| Bottom Line Profit Margin | 24.8% | ▲2.8% | ▼-1.5% |
| Current Ratio | 0.624 | ▲0.490 | ▲0.373 |
| Quick Ratio | 0.624 | ▲0.490 | ▲0.373 |
| Solvency Ratio | 0.019 | ▲0.001 | ▲0.001 |
| Cash Ratio | 0.474 | ▲0.418 | ▲0.304 |
| Price To Earnings Ratio | 12.337 | ▲0.328 | ▲1.036 |
| Price To Earnings Growth Ratio | 0.793 | ▲0.436 | ▲0.887 |
| Forward Price To Earnings Growth Ratio | 0.793 | ▲0.436 | ▲0.887 |
| Price To Earnings Diluted Ratio | 12.378 | ▲0.323 | ▲1.035 |
| Price To Earnings Diluted Growth Ratio | 0.793 | ▲0.432 | ▲0.892 |
| Price To Book Ratio | 1.247 | ▲0.100 | ▲0.118 |
| Price To Sales Ratio | 3.052 | ▲0.416 | ▲0.187 |
| Price To Free Cash Flow Ratio | 13.753 | ▼-16.843 | ▲45.237 |
| Price To Operating Cash Flow Ratio | 13.029 | ▼-14.893 | ▼-72.540 |
| Debt To Assets Ratio | 0.027 | ▲0.011 | ▼-0.010 |
| Debt To Equity Ratio | 0.182 | ▲0.069 | ▼-0.098 |
| Debt To Capital Ratio | 0.154 | ▲0.053 | ▼-0.051 |
| Long Term Debt To Capital Ratio | 0.040 | ▼-0.062 | ▼-0.142 |
| Financial Leverage Ratio | 6.751 | ▼-0.250 | ▼-0.646 |
| Working Capital Turnover Ratio | -0.175 | ▼-0.087 | ▼-0.077 |
| Operating Cash Flow Ratio | 0.729 | ▲0.722 | ▲0.565 |
| Operating Cash Flow Sales Ratio | 0.234 | ▲0.140 | ▼-0.096 |
| Free Cash Flow Operating Cash Flow Ratio | 0.947 | ▲0.035 | ▲0.541 |
| Debt Service Coverage Ratio | 0.454 | ▼-0.312 | ▼-2.378 |
| Interest Coverage Ratio | 1.166 | ▲0.267 | ▼-2.459 |
| Short Term Operating Cash Flow Coverage Ratio | 0.729 | ▲0.729 | ▲0.270 |
| Operating Cash Flow Coverage Ratio | 0.525 | ▲0.162 | ▲0.061 |
| Capital Expenditure Coverage Ratio | 18.997 | ▲7.556 | ▼-9.315 |
| Dividend Paid And Capex Coverage Ratio | 5.148 | ▲2.341 | ▼-2.244 |
| Dividend Payout Ratio | 0.134 | ▲0.018 | ▲0.007 |
| Enterprise Value Multiple | 9.739 | ▲3.025 | ▲3.155 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $5.08B | $4.31B | $3.66B | $3.26B | $3.45B | |
| Enterprise value | $5.57B | $3.51B | $3.13B | $4.15B | $276.8M | |
| EV / Sales | 3.35x | 2.15x | 2.10x | 3.63x | 0.27x | |
| EV / Op. cash flow | 14.28x | 22.76x | 5.50x | 3.90x | 30.28x | |
| EV / Free cash flow | 15.08x | 24.94x | 5.68x | 3.95x | -16.97x | |
| EV / EBITDA | 9.74x | 6.71x | 7.77x | 8.19x | 0.51x | |
| Net debt / EBITDA | 0.85x | -1.52x | -1.31x | 1.75x | -5.83x | |
| Current ratio | 0.62x | 0.13x | 0.12x | 0.14x | 0.24x | |
| Income quality | 0.95x | 0.43x | 2.11x | 3.07x | 0.02x | |
| Graham number | $90 | $80 | $66 | $72 | $72 | |
| Graham net-net | -$338 | -$285 | -$278 | -$278 | -$234 | |
| Tax burden | 77.2% | 75.4% | 75.4% | 76.5% | 76.0% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$201.4M | -$18.83B | -$18.14B | -$16.84B | -$15.03B | |
| Invested capital | $1.08B | -$17.53B | -$16.82B | -$15.50B | -$13.67B | |
| Return on assets | 1.5% | 1.4% | 1.1% | 1.4% | 1.6% | |
| Operating ROA | 2.0% | 1.8% | 1.4% | 1.9% | 2.2% | |
| Return on tangible assets | 1.6% | 1.4% | 1.1% | 1.4% | 1.7% | |
| Return on equity | 10.1% | 9.6% | 7.9% | 10.8% | 12.7% | |
| Return on invested capital | 1.5% | 7.9% | 6.0% | 6.2% | 9.0% | |
| Return on capital employed | 2.0% | 10.5% | 7.9% | 8.1% | 11.8% | |
| Earnings yield | 8.1% | 8.3% | 7.4% | 10.6% | 10.9% | |
| Free cash flow yield | 7.3% | 3.3% | 15.1% | 32.2% | -0.5% | |
| Capex / Op. cash flow | 5.3% | 8.7% | 3.1% | 1.3% | 278.4% | |
| Capex / Depreciation | 53.4% | 28.8% | 38.2% | 25.3% | 53.1% | |
| Capex / Sales | 1.2% | 0.8% | 1.2% | 1.2% | 2.5% | |
| SG&A / Sales | 23.6% | 23.0% | 24.1% | 29.8% | 33.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.8% | 0.8% | 0.7% | 0.6% | 0.8% | |
| Intangibles / Total assets | 3.9% | 4.1% | 4.4% | 4.5% | 4.8% | |
| Days sales outstanding | 18d | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 18d | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 18d | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-04 Intesa Sanpaolo (OTCMKTS:ISNPY) vs. Ameris Bancorp (NYSE:ABCB) Head-To-Head Comparison Ameris Bancorp (NYSE: ABCB - Get Free Report) and Intesa Sanpaolo (OTCMKTS:ISNPY - Get Free Report) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, valuation, analyst recommendations and dividends. Institutional and Insider Ownership 91.6% of Ameris Bancorp
- 2026-10-01 Ameris Bancorp to Announce Third Quarter 2026 Earnings on October 22, 2026 ATLANTA--(BUSINESS WIRE)--Ameris Bancorp (NYSE: ABCB) (the “Company”) announced today that it intends to release its third quarter 2026 financial results in a press release after the market closes on Thursday, October 22, 2026. H. Palmer Proctor, Jr., Chief Executive Officer, Nicole S. Stokes, Chief Financial Officer, and Douglas D. Strange, Chief Credit Officer, will host a teleconference at 9:00 a.m. Eastern time on Friday, October 23, 2026 to discuss the Company''s results and answer appropri.
- 2026-09-15 Ameris Bancorp Announces Quarterly Dividend ATLANTA--(BUSINESS WIRE)--The board of directors of Ameris Bancorp (NYSE: ABCB) (the “Company”) has declared a dividend of $0.20 per share of the Company''s common stock, payable on October 5, 2026, to shareholders of record as of September 30, 2026. About Ameris Bancorp Ameris Bancorp is the parent of Ameris Bank, a state-chartered bank headquartered in Atlanta, Georgia. Ameris operates financial centers in five southeastern states and serves consumer and business customers nationwide through s.
- 2026-09-14 33,695 Shares in Ameris Bancorp $ABCB Purchased by Engineers Gate Manager LP Engineers Gate Manager LP purchased a new position in shares of Ameris Bancorp (NYSE: ABCB) in the second quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm purchased 33,695 shares of the bank''s stock, valued at approximately $3,041,000. Engineers Gate Manager LP
- 2026-09-08 Do Options Traders Know Something About Ameris Stock We Don''t? Investors need to pay close attention to ABCB stock based on the movements in the options market lately.
- 2026-08-28 Bank of New York Mellon Corp Takes $47.29 Million Position in Ameris Bancorp $ABCB Bank of New York Mellon Corp purchased a new position in Ameris Bancorp (NASDAQ: ABCB) during the undefined quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The institutional investor purchased 523,943 shares of the bank''s stock, valued at approximately $47,291,000. Bank of New York Mellon Corp owned
- 2026-08-15 BIP Wealth LLC Acquires Shares of 11,361 Ameris Bancorp $ABCB BIP Wealth LLC purchased a new position in Ameris Bancorp (NASDAQ: ABCB) during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The institutional investor purchased 11,361 shares of the bank''s stock, valued at approximately $1,025,000. A number of other institutional investors and hedge funds have
- 2026-08-04 Ameris Bank Strengthens South Carolina Leadership with Market Presidents in Midlands, Charleston and Greenville Ameris Bank is strengthening its leadership in South Carolina with the appointment of market presidents in the Midlands, Charleston and Greenville, three import
- 2026-07-31 Ameris Bank Expands Down Payment Assistance Program Ameris Bank is supporting first-time homebuyers with the expansion of its Ameris Choice homebuyer assistance program. Now, qualified homebuyers purchasing in el
- 2026-07-27 Ameris Bank Welcomes Carl Insel to Lead Atlanta Market ATLANTA--(BUSINESS WIRE)--Ameris Bank is pleased to welcome seasoned banking executive Carl Insel as leader of its Atlanta market. Insel has more than 35 years of financial services experience and deep relationships in the Atlanta market. Insel spent the last 16 years with First Citizens Bank, where he served as regional executive vice president. He has strong ties to the Atlanta area, having spent nearly a decade with SunTrust, now Truist, in commercial, retail, private and business banking. H.