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Upturn AI Summary - About
Ameris Bancorp(ABCB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ABCB
09/25/2026: ABCB (3-star) is currently NOT-A-BUY. Pass it for now.
Ameris Bancorp is a regional financial services company providing commercial, retail, and mortgage banking services primarily across the Southeastern United States. The company is recognized for its disciplined underwriting and a growth strategy that combines organic expansion with strategic acquisitions. Its main opportunity lies in leveraging its regional expertise to capture growth in expanding Southern markets while diversifying revenue through fee-based services. Risks include geographic economic concentration, interest rate sensitivity, and intensifying competition from larger players. Ameris is best suited for value or income-oriented investors, and market observers should monitor credit quality trends and net interest margin performance as key indicators of ongoing operational success.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is primarily driven by regional market penetration rather than rapid, disruptive innovation. |
| Momentum investor | Mixed fit | Momentum is conditional on favorable interest rate cycles and sector-wide bank performance. |
| Value investor | Strong fit | The stock often trades at valuations that reflect solid fundamentals and regional banking potential. |
| Dividend investor | Strong fit | Consistent dividend payouts make it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | Banking stocks inherently carry sensitivity to economic cycles and regulatory risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks are sensitive to macroeconomic shifts and investor sentiment. |
| Valuation risk | Medium | Valuations are closely tied to interest rate expectations and credit quality trends. |
| Competition risk (Banking competition) | High | Intense pressure from both traditional peers and digital banks affects pricing power. |
| Business quality | Medium | Ameris demonstrates a stable, well-managed franchise with consistent historical performance. |
| Dividend income | Low | The dividend is generally considered stable, though subject to capital requirements. |
| Execution risk | Medium | Successful management of loan portfolios and credit costs is essential for sustained results. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 54.2% | Avg. Invested days 68 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.49B USD | Price to earnings Ratio 14.76 | 1Y Target Price 94.17 |
Price to earnings Ratio 14.76 | 1Y Target Price 94.17 | ||
Volume (30-day avg) 417.6K shares | Beta 0.92 | 52 Weeks Range 68.29 - 93.22 | Updated Date 09/24/2026 |
52 Weeks Range 68.29 - 93.22 | Updated Date 09/24/2026 | ||
Dividends yield (FY) 0.98% | Basic EPS (TTM) 5.54 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the core profit engine generated from the spread between lending and borrowing. |
| Non-Interest Income | Service charges, mortgage banking fees, and insurance commissions. | This diversifies income away from pure interest rate dependence. |
| Geography: Southeast US | Operations concentrated in Georgia, Florida, Alabama, and South Carolina. | Exposure to regional economic growth is a primary driver of success. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 14.76 | Forward PE 13 | Enterprise Value 5.66B | Price to Sales(TTM) 4.64 |
Enterprise Value 5.66B | Price to Sales(TTM) 4.64 | ||
Enterprise Value to Revenue 5.59 | Enterprise Value to EBITDA - | Shares Outstanding 67.11M | Shares Floating 62.90M |
Shares Outstanding 67.11M | Shares Floating 62.90M | ||
Percent Insiders 5.43 | Percent Institutions 101.42 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Ameris Bancorp
Exchange NYSE | Headquarters 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 2650 | Website https://www.amerisbank.com |
Full time employees 2650 | Website https://www.amerisbank.com | ||
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.
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