Ameris Bancorp

$ 87.59 1.84 %

Ameris Bancorp operates as the parent entity for Ameris Bank, delivering a comprehensive suite of banking solutions to both individual and business clients. Its core operational footprint covers Georgia, Alabama, Florida, North Carolina, and South Carolina. The company organizes its diverse activities into five main divisions: Banking, Retail Mortgage, Warehouse Lending, SBA, and Premium Finance. Customers have access to a variety of deposit products, including commercial and personal checking accounts, interest-bearing savings accounts, money market accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). Beyond deposits, Ameris Bancorp extends numerous lending options, encompassing commercial real estate, residential mortgages, agricultural financing, and commercial and industrial loans. Consumer lending includes loans for motor vehicles, home improvements, and home equity, alongside credit lines secured by savings or small unsecured personal loans. Additionally, the company specializes in the origination, administration, and servicing of loans for commercial insurance premiums and those backed by the Small Business Administration (SBA). Ameris Bancorp maintains a substantial physical presence, with 165 domestic full-service banking branches and an additional 35 offices dedicated to mortgage and loan origination. Established in 1971, the company's corporate headquarters are located in Atlanta, Georgia.

CEO: H. Palmer Proctor Jr. - https://www.amerisbank.com

Price objectif

$91.25 4.18 %

Recommandation

Buy

DCF

$ 52.06

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ABCB vs S&P500

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Quick ratio

0.08

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

13.77

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

6.36

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

10.81 %

reflects reasonable profitability, showing good use of equity.

ROIC

7.94 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

12.81

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.25

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

7.45

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

12.69 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
-0.54 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.06 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.04 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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