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Upturn AI SWOT - About
ABCB 
Ameris Bancorp (ABCB)
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Upturn Advisory Summary
09/17/2025: ABCB (3-star) is a REGULAR-BUY. BUY since 90 days. Simulated Profits (23.23%). 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 71.06% | Avg. Invested days 59 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.06B USD | Price to earnings Ratio 13.01 | 1Y Target Price 77.67 |
Price to earnings Ratio 13.01 | 1Y Target Price 77.67 | ||
Volume (30-day avg) 6 | Beta 0.98 | 52 Weeks Range 48.12 - 75.98 | Updated Date 09/16/2025 |
52 Weeks Range 48.12 - 75.98 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 1.01% | Basic EPS (TTM) 5.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 13.01 | Forward PE 13 | Enterprise Value 4380163072 | Price to Sales(TTM) 4.53 |
Enterprise Value 4380163072 | Price to Sales(TTM) 4.53 | ||
Enterprise Value to Revenue 4.95 | Enterprise Value to EBITDA - | Shares Outstanding 68586800 | Shares Floating 64393020 |
Shares Outstanding 68586800 | Shares Floating 64393020 | ||
Percent Insiders 5.09 | Percent Institutions 95.78 |
Upturn AI SWOT
Ameris Bancorp
Company Overview
History and Background
Ameris Bancorp was founded in 1971 as American Banking Company, later becoming Ameris Bancorp. It has grown through acquisitions and organic expansion, focusing on community banking and commercial lending in the Southeast.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Offers consumer banking services such as checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment advisory and trust services to individuals and families.
Leadership and Structure
The leadership team includes Palmer Proctor as CEO. The organizational structure consists of various divisions including retail, commercial banking, and wealth management, reporting to the CEO and Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to determine precisely but it is a major component of the company revenue stream. Competitors include Truist Financial (TFC) and Regions Financial (RF).
- Small Business Loans: Loans to small and medium-sized businesses. Market share data is difficult to determine precisely but it is a major component of the company revenue stream. Competitors include Bank of America (BAC) and Wells Fargo (WFC).
- Mortgage Lending: Residential mortgage loans. Market share data is difficult to determine precisely. Competitors include Rocket Companies (RKT) and UWM Holdings Corporation (UWMC).
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and technological disruption. Consolidation is ongoing, with larger banks acquiring smaller institutions.
Positioning
Ameris Bancorp is positioned as a regional bank focused on community banking and commercial lending in the Southeast. Its competitive advantage lies in its local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated to be in the billions of dollars. Ameris Bancorp is positioned to capture a portion of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in the Southeast
- Experienced management team
- Solid loan portfolio
- Diversified revenue streams
Weaknesses
- Geographic concentration
- Limited brand recognition outside the Southeast
- Reliance on interest income
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- RF
- FHN
- SYBT
Competitive Landscape
Ameris Bancorp competes with larger regional banks and smaller community banks. Its advantages include its local market knowledge and customer relationships. Disadvantages include limited brand recognition outside the Southeast.
Major Acquisitions
Fidelity Southern Corporation
- Year: 2019
- Acquisition Price (USD millions): 757
- Strategic Rationale: Expanded Ameris Bancorp's presence in Atlanta and strengthened its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Ameris Bancorp has grown significantly through acquisitions and organic expansion over the past decade.
Future Projections: Analysts project continued growth for Ameris Bancorp, driven by its strong presence in the Southeast and its focus on commercial lending.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new markets within the Southeast.
Summary
Ameris Bancorp is a regional bank with a solid presence in the Southeast. Its focus on community banking and commercial lending is working well. However, they are facing threats from larger banks and fintech companies. Ameris Bancorp needs to continue investing in technology and expanding into new markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Market Data Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial performance is subject to change.
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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