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Upturn AI SWOT - About
ABCB 
Ameris Bancorp (ABCB)
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Upturn Advisory Summary
10/24/2025: 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 $77.6
1 Year Target Price $77.6
| 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 10/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.08B USD | Price to earnings Ratio 13.05 | 1Y Target Price 77.6 |
Price to earnings Ratio 13.05 | 1Y Target Price 77.6 | ||
Volume (30-day avg) 6 | Beta 0.95 | 52 Weeks Range 47.99 - 76.37 | Updated Date 10/24/2025 |
52 Weeks Range 47.99 - 76.37 | Updated Date 10/24/2025 | ||
Dividends yield (FY) 1.03% | Basic EPS (TTM) 5.67 |
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 - |
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 13.05 | Forward PE 13 | Enterprise Value 4397925376 | Price to Sales(TTM) 4.55 |
Enterprise Value 4397925376 | Price to Sales(TTM) 4.55 | ||
Enterprise Value to Revenue 4.91 | Enterprise Value to EBITDA - | Shares Outstanding 68586848 | Shares Floating 64392337 |
Shares Outstanding 68586848 | Shares Floating 64392337 | ||
Percent Insiders 5.09 | Percent Institutions 95.92 |
Upturn AI SWOT
Ameris Bancorp
Company Overview
History and Background
Ameris Bancorp was founded in 1971 as American Banking Company in Moultrie, Georgia. It has grown through organic expansion and strategic acquisitions, evolving into a multi-state banking organization. Its focus has remained on community banking and serving the needs of small to medium-sized businesses.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, lines of credit, and treasury management services.
- Retail Banking: Provides deposit accounts, mortgages, personal loans, and other banking services to individuals and families.
- Wealth Management: Offers wealth management, trust, and investment advisory services to individuals and institutions.
Leadership and Structure
Palmer Proctor is the Chief Executive Officer. The company has a Board of Directors overseeing the overall strategy and performance. The organizational structure is typical of a regional bank, with distinct divisions for commercial banking, retail banking, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available but they are a regional player. Competitors include Truist, Regions Financial, and Synovus.
- Small Business Loans: Loans tailored to the needs of small businesses. Market share data is not publicly available but they are a regional player. Competitors include Truist, Regions Financial, and Synovus.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Market share data is not publicly available but they are a regional player. Competitors include Truist, Regions Financial, and Synovus.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is a continuing trend within the regional banking sector.
Positioning
Ameris Bancorp is positioned as a regional bank focusing on relationship banking and serving small to medium-sized businesses. Its competitive advantages include a strong presence in the Southeast and a reputation for customer service.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast US is estimated to be in the billions of dollars. Ameris Bancorp is well-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
- Relationship-focused banking model
- Diversified revenue streams
Weaknesses
- Limited geographic diversification
- Smaller size compared to national banks
- Dependence on interest rate spreads
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 regulatory burden
- Competition from fintech companies
- Economic downturn
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Regions Financial Corporation (RF)
- Synovus Financial Corp. (SNV)
Competitive Landscape
Ameris Bancorp competes with larger national and regional banks, as well as smaller community banks and credit unions. It differentiates itself through relationship banking and a focus on customer service.
Major Acquisitions
Fidelity Southern Corporation
- Year: 2019
- Acquisition Price (USD millions): 757
- Strategic Rationale: Expanded Ameris Bancorp's presence in the Atlanta market and added a strong commercial lending platform.
Growth Trajectory and Initiatives
Historical Growth: Ameris Bancorp has grown significantly over the past decade through acquisitions and organic expansion.
Future Projections: Analysts project continued growth in revenue and earnings per share, driven by loan growth and improved efficiency.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets within the Southeast.
Summary
Ameris Bancorp is a well-managed regional bank with a strong presence in the Southeast. Its focus on relationship banking and strategic acquisitions has fueled growth. Threats include rising interest rates and competition from larger banks, but opportunities exist through further expansion and digital innovation. Overall, the company is in a stable position and exhibits potential for continued expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings (10-K, 10-Q)
- Investor presentations
- Analyst reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions are 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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