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Upturn AI SWOT - About
ABCB 
Ameris Bancorp (ABCB)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
11/05/2025: ABCB (3-star) is currently NOT-A-BUY. Pass it for now.
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 $80.6
1 Year Target Price $80.6
| 2 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 73.11% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.05B USD | Price to earnings Ratio 12.64 | 1Y Target Price 80.6 |
Price to earnings Ratio 12.64 | 1Y Target Price 80.6 | ||
Volume (30-day avg) 6 | Beta 1.01 | 52 Weeks Range 47.99 - 76.37 | Updated Date 11/7/2025 |
52 Weeks Range 47.99 - 76.37 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 1.10% | Basic EPS (TTM) 5.83 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 1.48 | Actual 1.53 |
Profitability
Profit Margin 35.23% | Operating Margin (TTM) 48.33% |
Management Effectiveness
Return on Assets (TTM) 1.49% | Return on Equity (TTM) 10.35% |
Valuation
Trailing PE 12.64 | Forward PE 13 | Enterprise Value 4461461504 | Price to Sales(TTM) 4.47 |
Enterprise Value 4461461504 | Price to Sales(TTM) 4.47 | ||
Enterprise Value to Revenue 4.91 | Enterprise Value to EBITDA - | Shares Outstanding 68587742 | Shares Floating 64393179 |
Shares Outstanding 68587742 | Shares Floating 64393179 | ||
Percent Insiders 5.09 | Percent Institutions 97.05 |
Upturn AI SWOT
Ameris Bancorp
Company Overview
History and Background
Ameris Bancorp was founded in 1971 as American Banking Company. It has grown through acquisitions and organic expansion, becoming a regional bank focused on serving communities in the Southeast.
Core Business Areas
- Commercial Banking: Offers a variety of loan products, deposit accounts, and treasury management services to businesses of all sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth planning services, investment advice, and asset management.
Leadership and Structure
Palmer Proctor is the CEO. The organizational structure includes various departments overseeing commercial banking, retail banking, operations, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes. No specific market share information available, but competes with major national and regional banks like Bank of America (BAC), Truist (TFC) and Regions Financial (RF).
- Mortgages: Offers residential mortgage loans to individuals. No specific market share information available, competes with mortgage lenders like Rocket Mortgage (RKT) and PennyMac Financial Services (PFSI).
- Deposit Accounts: Offers a variety of checking, savings, and money market accounts to both retail and commercial customers. Competes with all commercial and retail banks. No specific market share data provided.
Market Dynamics
Industry Overview
The banking industry is currently navigating interest rate volatility, increased regulatory scrutiny, and technological disruption. Competition is intense, with both traditional banks and fintech companies vying for market share.
Positioning
Ameris Bancorp positions itself as a community-focused bank with a strong presence in the Southeast. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast US is substantial, estimated in the billions of dollars. Ameris Bancorp is positioned to capture a portion of this market through its regional focus and diverse service offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Diversified revenue streams
- Solid credit quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Reliance on interest rate spread
- Exposure to regional economic fluctuations
Opportunities
- Acquisitions of smaller banks
- Expansion into new markets within the Southeast
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in the Southeast
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- TFC
- PNC
Competitive Landscape
Ameris Bancorp competes with larger national banks and smaller regional banks. Its advantage lies in its strong local relationships and community focus.
Major Acquisitions
Fidelity Southern Corporation
- Year: 2019
- Acquisition Price (USD millions): 757
- Strategic Rationale: Expanded Ameris' presence in key markets, including Atlanta, GA.
Growth Trajectory and Initiatives
Historical Growth: Ameris Bancorp has experienced consistent growth through acquisitions and organic expansion in the Southeast region.
Future Projections: Future growth projections based on analyst estimates are not provided due to constant changes.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion of wealth management services.
Summary
Ameris Bancorp is a regional bank with a strong presence in the Southeast. Its growth has been fueled by strategic acquisitions and organic expansion. While the company faces competition from larger banks and fintech companies, its community focus and local market knowledge provide a competitive advantage. It is important to keep an eye on rising interest rates, economic fluctuations, and regulatory changes to better understand the health of the bank.
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Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- News articles
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly.
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 2700 | Website https://www.amerisbank.com |
Full time employees 2700 | 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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