Ameris Bancorp (ABCB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Ameris Bancorp stock (ABCB) is currently trading at $77.37. Ameris Bancorp PE ratio is 12.63. Ameris Bancorp PS ratio (Price-to-Sales) is 4.59. Analyst consensus price target for ABCB is $90.07. WallStSmart rates ABCB as Moderate Buy.
- ABCB PE ratio analysis and historical PE chart
- ABCB PS ratio (Price-to-Sales) history and trend
- ABCB intrinsic value — DCF, Graham Number, EPV models
- ABCB stock price prediction 2025 2026 2027 2028 2029 2030
- ABCB fair value vs current price
- ABCB insider transactions and insider buying
- Is ABCB undervalued or overvalued?
- Ameris Bancorp financial analysis — revenue, earnings, cash flow
- ABCB Piotroski F-Score and Altman Z-Score
- ABCB analyst price target and Smart Rating
Ameris Bancorp
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ABCB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Ameris Bancorp (ABCB)
ABCB trades at a significant discount to its Graham intrinsic value of $205.07, offering a 59% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Ameris Bancorp (ABCB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Ameris Bancorp (ABCB) Key Strengths (6)
Keeps $55 of every $100 in revenue after operating costs
Keeps $36 of every $100 in revenue as net profit
97.20% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.27x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Ameris Bancorp (ABCB) Areas to Watch (4)
Revenue growing slowly at 3.00% annually
Premium valuation at 4.6x annual revenue
Moderate profitability with room for improvement
Solid earnings growth at 16.90%
Ameris Bancorp (ABCB) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.8/10) while 4 fall into concern territory (avg 4.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Valuation metrics including PEG Ratio (1.10), Price/Book (1.27) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 54.80%, Profit Margin at 36.20%.
The Bear Case
The primary concerns are Revenue Growth, Price/Sales, Return on Equity. Some valuation metrics including Price/Sales (4.59) suggest expensive pricing. Growth concerns include Revenue Growth at 3.00%, EPS Growth at 16.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 3.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, Price/Sales). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ABCB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ABCB's Price-to-Sales ratio of 4.59x trades 41% below its historical average of 7.83x (18th percentile). The current valuation is 78% below its historical high of 20.6x set in Dec 2006, and 101% above its historical low of 2.28x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Ameris Bancorp (ABCB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Ameris Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 1.1B with 300% growth year-over-year. Profit margins are strong at 36.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 300% YoY, reaching 1.1B. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1050.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Ameris Bancorp maintain 300%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Ameris Bancorp.
Bottom Line
Ameris Bancorp offers an attractive blend of growth (300% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Ameris Bancorp(ABCB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Ameris Bancorp is the banking holding company for Ameris Bank providing a range of banking services to retail and business clients primarily in Georgia, Alabama, Florida and South Carolina. The company is headquartered in Atlanta, Georgia.