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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
10/23/2026: ABCB (2-star) is currently NOT-A-BUY. Pass it for now.
Ameris Bancorp is a regionally focused financial institution operating primarily in the Southeastern United States. The company is recognized for its disciplined credit underwriting and a successful growth strategy that blends organic expansion with strategic acquisitions. While Ameris benefits from its strong foothold in high-growth regional markets and solid commercial lending capabilities, it faces inherent risks from interest rate volatility, regional economic shifts, and competition from both large national banks and fintech platforms. The stock may best suit value-oriented investors seeking regional exposure, though potential investors should monitor credit quality and interest margin trends closely. Its future growth depends on successfully navigating the evolving digital banking landscape while maintaining operational efficiency.
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 | The company relies on cyclical regional growth rather than rapid, disruptive expansion. |
| Momentum investor | Mixed fit | Momentum fits only during favorable banking sector cycles and strong technical breakouts. |
| Value investor | Strong fit | The stock often trades at reasonable multiples relative to book value and earnings. |
| Dividend investor | Mixed fit | While dividends are paid, the focus remains primarily on capital appreciation through growth. |
| Low-risk investor | Mixed fit | Regional banking stocks carry inherent market and interest rate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking sector sensitivity to interest rates creates inherent stock price fluctuation. |
| Valuation risk | Medium | Valuations fluctuate based on investor sentiment regarding the health of regional economies. |
| Competition risk (regional banking competition) | High | Intense competition for deposits and loans impacts profit margins. |
| Business quality | Medium | The franchise has a stable history but remains dependent on regional economic performance. |
| Dividend income | Medium | Dividends are stable but secondary to growth strategies. |
| Execution risk | Medium | Successful integration of future acquisitions is required to maintain growth. |
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 54.28% | 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 10/23/2026 |
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 5.53B USD | Price to earnings Ratio 14.58 | 1Y Target Price 93.17 |
Price to earnings Ratio 14.58 | 1Y Target Price 93.17 | ||
Volume (30-day avg) 521.6K shares | Beta 0.97 | 52 Weeks Range 68.89 - 92.99 | Updated Date 10/22/2026 |
52 Weeks Range 68.89 - 92.99 | Updated Date 10/22/2026 | ||
Dividends yield (FY) 0.99% | Basic EPS (TTM) 5.65 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | This is the core profit engine driven by the spread between lending rates and deposit costs. |
| Mortgage Banking | Fees earned from originating and selling residential mortgage loans. | This provides supplemental income but is sensitive to housing market and interest rate changes. |
| Geographic Operations | Banking services across the Southeastern United States (GA, FL, AL, SC, NC). | The company’s health is directly tied to the economic prosperity of the Southeastern US. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 1.68 | Actual 1.73 |
Profitability
Profit Margin 31.8% | Operating Margin (TTM) 50.19% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 9.4% |
Valuation
Trailing PE 14.58 | Forward PE 13 | Enterprise Value 5.69B | Price to Sales(TTM) 4.67 |
Enterprise Value 5.69B | Price to Sales(TTM) 4.67 | ||
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 101.22 |
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.
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