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Upturn AI SWOT - About
ABCB 
Ameris Bancorp (ABCB)
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Upturn Advisory Summary
07/14/2025: ABCB (3-star) is a STRONG-BUY. BUY since 44 days. Profits (13.58%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $72.5
1 Year Target Price $72.5
| 2 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 57.66% | Avg. Invested days 52 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.65B USD | Price to earnings Ratio 12.54 | 1Y Target Price 72.5 |
Price to earnings Ratio 12.54 | 1Y Target Price 72.5 | ||
Volume (30-day avg) 6 | Beta 0.94 | 52 Weeks Range 48.12 - 73.83 | Updated Date 07/13/2025 |
52 Weeks Range 48.12 - 73.83 | Updated Date 07/13/2025 | ||
Dividends yield (FY) 1.24% | Basic EPS (TTM) 5.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.84% | Operating Margin (TTM) 44.34% |
Management Effectiveness
Return on Assets (TTM) 1.43% | Return on Equity (TTM) 10.19% |
Valuation
Trailing PE 12.54 | Forward PE 13 | Enterprise Value 3555894784 | Price to Sales(TTM) 4.22 |
Enterprise Value 3555894784 | Price to Sales(TTM) 4.22 | ||
Enterprise Value to Revenue 4.5 | Enterprise Value to EBITDA - | Shares Outstanding 68910896 | Shares Floating 64720443 |
Shares Outstanding 68910896 | Shares Floating 64720443 | ||
Percent Insiders 5.07 | Percent Institutions 94.05 |
Upturn AI SWOT
Ameris Bancorp
Company Overview
History and Background
Ameris Bancorp was founded in 1971 and is headquartered in Moultrie, Georgia. 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 commercial banking services, including loans, deposit accounts, and treasury management solutions to businesses of all sizes.
- Retail Banking: Offers retail banking products such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
The leadership team includes Palmer Proctor, Jr. (CEO) and Nicole Stokes (CFO). The organizational structure is typical of a regional bank, with divisions for commercial, retail, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offer loans for businesses including real estate, equipment and working capital. Competitors include Truist Financial (TFC) and Regions Financial (RF). Market share data is fragmented and varies by geographic region.
- Mortgages: Provides mortgage loans to individuals. Competitors include Wells Fargo (WFC) and Bank of America (BAC). Market share data is fragmented and varies by geographic region.
- Deposit Accounts: Offers checking, savings, and money market accounts. Competitors include Truist Financial (TFC) and Regions Financial (RF). Market share data is fragmented and varies by geographic region.
Market Dynamics
Industry Overview
The banking industry is currently navigating a rising interest rate environment, increased regulatory scrutiny, and evolving customer expectations driven by technology.
Positioning
Ameris Bancorp is positioned as a regional bank focused on the Southeast, emphasizing customer service and community involvement. Its competitive advantages include strong local market knowledge and a focus on relationship banking.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated at hundreds of billions of dollars. Ameris Bancorp holds a small but growing share of this market, focusing on strategic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in the Southeast
- Experienced management team
- Focus on customer service
- Proven acquisition strategy
Weaknesses
- Reliance on regional economy
- Limited international presence
- Lower brand recognition compared to larger national banks
- Dependence on interest rate spread
Opportunities
- Further expansion through acquisitions
- Increased digital banking adoption
- Growing demand for wealth management services
- Expansion of Commercial Banking into new markets
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the Southeast
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- RF
- FITB
- CMA
Competitive Landscape
Ameris Bancorp faces competition from larger national banks and smaller community banks. Its advantages include strong local market knowledge and a focus on relationship banking. Disadvantages include limited brand recognition compared to national banks.
Major Acquisitions
Fidelity Southern Corporation
- Year: 2019
- Acquisition Price (USD millions): 750
- Strategic Rationale: Expanded Ameris Bancorp's presence in the Atlanta market and added significant commercial banking assets.
Growth Trajectory and Initiatives
Historical Growth: Ameris Bancorp has grown significantly through acquisitions and organic expansion over the past decade.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by strategic acquisitions and increased lending activity.
Recent Initiatives: Recent initiatives include expanding digital banking capabilities and acquiring other financial institutions.
Summary
Ameris Bancorp is a regional bank focused on the Southeast with a proven acquisition strategy and strong customer service. The company benefits from an experienced management team but faces threats from larger banks, economic downturns and changes in regulations. Ameris Bancorp must be careful to continue to improve revenue and stay aware of economic conditions while they expand.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company 10-K reports
- Company Investor Relations
- Third-party financial data providers
- Analyst reports
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change rapidly. Consult with a financial professional before making investment decisions.
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 2045 | Website https://www.amerisbank.com |
Full time employees 2045 | 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.
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