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Upturn AI SWOT - About
ABCB 
Ameris Bancorp (ABCB)
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Upturn Advisory Summary
08/13/2025: ABCB (3-star) is a STRONG-BUY. BUY since 66 days. Profits (19.05%). 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 $77.67
1 Year Target Price $77.67
| 2 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 65.25% | Avg. Invested days 55 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.80B USD | Price to earnings Ratio 12.35 | 1Y Target Price 77.67 |
Price to earnings Ratio 12.35 | 1Y Target Price 77.67 | ||
Volume (30-day avg) 6 | Beta 0.97 | 52 Weeks Range 48.12 - 73.83 | Updated Date 08/12/2025 |
52 Weeks Range 48.12 - 73.83 | Updated Date 08/12/2025 | ||
Dividends yield (FY) 1.12% | Basic EPS (TTM) 5.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 1.33 | Actual 1.59 |
Profitability
Profit Margin 35.06% | Operating Margin (TTM) 49.26% |
Management Effectiveness
Return on Assets (TTM) 1.47% | Return on Equity (TTM) 10.46% |
Valuation
Trailing PE 12.35 | Forward PE 13 | Enterprise Value 3930631424 | Price to Sales(TTM) 4.3 |
Enterprise Value 3930631424 | Price to Sales(TTM) 4.3 | ||
Enterprise Value to Revenue 4.55 | Enterprise Value to EBITDA - | Shares Outstanding 68586800 | Shares Floating 64396436 |
Shares Outstanding 68586800 | Shares Floating 64396436 | ||
Percent Insiders 5.09 | Percent Institutions 95.01 |
Upturn AI SWOT
Ameris Bancorp
Company Overview
History and Background
Ameris Bancorp was founded in 1971 as American Banking Company, initially focusing on community banking in Moultrie, Georgia. Through strategic acquisitions and organic growth, it expanded across the Southeast, rebranding as Ameris Bancorp. Key milestones include multiple bank acquisitions and significant asset growth.
Core Business Areas
- Commercial Banking: Offers commercial lending, treasury management, and other financial services to businesses.
- Retail Banking: Provides deposit accounts, personal loans, mortgages, and wealth management services to individuals and families.
- Mortgage Banking: Origination, sales and servicing of mortgage loans.
Leadership and Structure
The leadership team includes Palmer Proctor as CEO, and Nicole Stokes as CFO. The organizational structure is typical of a regional bank, with divisions for commercial, retail, and mortgage banking, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing solutions for businesses, including term loans, lines of credit, and real estate loans. Market share data is unavailable, but Ameris competes with regional and national banks such as Truist (TFC) and Bank of America (BAC).
- Mortgage Loans: Offer various mortgage products, including fixed-rate, adjustable-rate, and government-insured loans. Market share data is unavailable, but competitors include Rocket Companies (RKT) and UWM Holdings Corporation (UWMC).
- Deposit Products: Checking and Savings accounts that yield interest. Competitors for this product are Bank of America (BAC) and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased competition, regulatory scrutiny, and technological advancements, including the rise of fintech companies.
Positioning
Ameris Bancorp is positioned as a regional bank focused on community banking and serving small to medium-sized businesses. Its competitive advantages include strong customer relationships and local market expertise.
Total Addressable Market (TAM)
The TAM for regional banking in the Southeast is estimated to be in the billions of dollars. Ameris Bancorp is positioned to capture a share of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in the Southeast
- Experienced management team
- Focus on community banking
- Sound asset quality
Weaknesses
- Geographic concentration
- Reliance on net interest income
- Smaller scale compared to national banks
- Expense management
Opportunities
- Strategic acquisitions to expand market share
- Growth in Southeast population and economy
- Increased demand for digital banking services
- Expansion of wealth management services
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- SYBT
- CADE
- FFBC
Competitive Landscape
Ameris Bancorp competes with larger regional and national banks, as well as smaller community banks. Its advantages include strong customer relationships and local market expertise.
Major Acquisitions
Fidelity Southern Corporation
- Year: 2019
- Acquisition Price (USD millions): 750.7
- Strategic Rationale: Expanded Ameris Bancorp's presence in attractive markets and enhanced its ability to serve customers.
Growth Trajectory and Initiatives
Historical Growth: Ameris Bancorp has grown through a combination of organic growth and strategic acquisitions. Past performance suggests continued expansion in the Southeast.
Future Projections: Analysts project continued growth in earnings and assets, driven by increased lending activity and deposit growth.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets through acquisitions.
Summary
Ameris Bancorp is a regional bank with a solid presence in the Southeast. Its strengths lie in its focus on community banking and strategic acquisitions. However, it faces challenges from rising interest rates and increased competition. The company needs to continue to focus on managing expenses and diversifying its revenue streams to improve future outlook.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated.
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 2672 | Website https://www.amerisbank.com |
Full time employees 2672 | 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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