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what it is
Ameris is a Southeast bank that makes money by taking deposits, making loans, and selling mortgage and SBA products.
how it gets paid
FY2024 total revenue was about $1.14B. The segment mix below is illustrative—use the 10‑K footnotes for GAAP line items.
why it's growing
Revenue rose about mid‑single digits year over year in 2024 vs. 2023. FY2024 diluted EPS was $5.19; Q4 2024 diluted EPS was $1.37 vs. $0.96 in Q4 2023 (Ameris FY2024 release).
what just happened
For the latest quarter after FY2024, pull diluted EPS from the newest 10‑Q/earnings release so the period matches the price on the hero.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
60/100 earnings predictability — reasonably predictable
13.8x trailing p/e — the market's not buying it — or you found a deal
1.1% dividend yield — cash in your pocket every quarter
$5.19 FY2024 diluted EPS (reported)
xvary composite: 60/100 — average
What they do
Ameris is a Southeast bank that makes money by taking deposits, making loans, and selling mortgage and SBA products.
If you bank with Ameris, you can keep deposits there, get a business loan there, close a mortgage there, and tap an SBA loan there. That one-roof model matters because banks win on relationship depth, not slogans. Ameris reported about $1.14B in FY2024 total revenue, with long-term debt near $359M (~7% of capital in the same framing).
How they make money
$1.14B
FY2024 total revenue · ~mid‑single‑digit growth vs. 2023
commercial banking
$0.51B
consumer banking
$0.23B
retail mortgage
$0.17B
warehouse lending
$0.14B
sba lending
$0.09B
The products that matter
business lending and treasury services
Commercial Banking
$22.1B loan book
It holds $22.1B in total loans, and commercial lending is the core engine behind that balance sheet.
core earnings driver
retail deposits and consumer lending
Consumer Banking
~300 branches · eight states
This branch network funds the loan book with deposits across eight Southeastern states. That's useful scale, but it's also concentrated scale.
funding base
digital account access and payments
Ameris Digital One
table stakes, not a moat
The digital suite matters because customers expect it. The page gives no adoption data, which tells you what it likely is here: necessary infrastructure, not a hidden growth engine.
cost of entry
Key numbers
$5.19
fy2024 eps
That is the bank's estimated full-year profit per share for 2024, up from $3.89 in 2023. You are looking at a real earnings rebound.
13.8x
trailing p/e
P/E → price-to-earnings → what you pay for each dollar of profit. At 13.8x, Ameris is priced closer to a steady bank than a high-growth story.
$359M
long-term debt
That is just 7% of capital, which means leverage is present but not doing stand-up comedy on the balance sheet.
1.1%
dividend yield
You are not buying Ameris for income today. You are buying it for earnings recovery with a small cash payout attached.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 55 / 100
- long-term debt $359M (7% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for ABCB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Ameris just printed $1.54 in last reported EPS, showing the bank's profit engine is still running better than 2023 levels.
Quarterly EPS rebounded through 2024, with one history showing ~$1.37 in Q4 2024 versus ~$0.96 in Q4 2023. A ~$1.0B quarterly revenue print and ~$1.54 EPS can come from a different latest quarter in the feed—reconcile the fiscal label. The +192% vs. prior year revenue tag is inconsistent with ~+1.2% FY revenue growth and is dropped here as bad data.
~$1.0B
revenue (Q, cited)
~$1.54
eps (latest feed)
~+1.2%
FY rev growth
the number that mattered
$1.54 matters because it shows Ameris is earning well above the 2023 run-rate, which is the whole case for paying 13.8x trailing earnings.
source: company earnings report, 2026
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What could go wrong
the #1 risk is southeastern credit and funding pressure.
high
Concentrated geographic exposure
All $27.5B in assets and roughly 300 branches sit in eight Southeastern states. A regional downturn does not hit part of the story. It hits the whole story.
Exposes the entire franchise to one regional economy
med
Net interest margin compression
Net interest margin was 3.85% in Q4 2025. A 50-basis-point drop would cut annual net interest income by roughly $140M based on the figures on this page.
Could take a large bite out of earnings power
low
Insider selling optics
The CEO sold 6,149 shares for tax purposes in february 2026, and the chief credit officer exited during a 14% rally. This is not a thesis-breaker on its own, but it does remove the "management is pounding the table" fantasy.
More sentiment signal than operating threat
A weaker Southeast or a thinner lending spread would pressure the same bank at the same time — balance sheet, earnings, and sentiment.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
Estimated for april 27, 2026. Consensus EPS is $1.55. The real tell is whether net interest margin stays near 3.85% or starts sliding.
capital
$200M buyback execution
Authorized through oct. 31, 2026. At current prices, that's about 4% of the market cap. If management repurchases aggressively, they're telling you the stock is cheap. If they don't, that tells you something too.
analyst
price-target drift
Stephens moved to $87 after the quarter. The page shows an average target of $86.50, with a $94 high and $77.77 low. You're not looking at a screaming disagreement — you're looking at mild upside if execution holds.
management
leadership changes
Executive changes were announced on feb. 24, 2026. For a bank, new leadership matters less for headlines than for underwriting discipline and deposit strategy. That's what you should watch.
Analyst rankings
earnings predictability
60 / 100
You're not in "set it and forget it" territory. Results should be reasonably stable, but bank earnings can move quickly when margins or credit costs do.
source: institutional data
Institutional activity
institutional ownership data for ABCB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$80
current price
n/a
target midpoint · n/a from current
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