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/ABCB
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Ameris Bancorp

Ameris Bancorp

ABCB
$84.66USD↑+0.05%+0.04 today

MARKET CAP

5.7B

P/E (TTM)

14.1x

FWD P/E

—

DAY RANGE

$84 – $86

52W RANGE

$69
$93

AI Summary

Stalk
StalkMedium

The intermediate uptrend in ABCB has stalled under the 52-week high resistance, with EMAs flattening and neutral indicators; in the absence of a clear breakout or reversal pattern, we will stalk for either a decisive break above resistance or a clean pullback into the rising short-term EMA support before initiating new positions.

  • ↑Q1 net income $110.5M; ROA 1.62%, ROTCE 14.75% confirms profitability.
  • ↑Loan production $2.2B (+45% YoY) and $2.8B pipeline support growth.
  • ↓Management expects slight margin compression from rising deposit costs.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Ameris Bancorp (NASDAQ: ABCB) is a regional bank holding company focusing on traditional banking services for individuals and small to medium-sized businesses in the Southeastern United States. The bank has been experiencing significant growth in this market, thanks to its strategic initiatives aimed at enhancing its deposit base, optimizing loan production, and maintaining strong asset quality. Ameris operates in a competitive environment, with a growing emphasis on organic growth amidst challenges from rising competition and economic fluctuations.

Bull says

  • ↑Q1 net income $110.5M; ROA 1.62%, ROTCE 14.75% confirms profitability.
  • ↑Loan production $2.2B (+45% YoY) and $2.8B pipeline support growth.
  • ↑Repurchased $75M in stock; CET1 ratio ~13% underscores capital strength.
  • ↑Expanding into Nashville and Southeast markets to capture new loans.
  • ↑Guidance calls for mid-single-digit loan and deposit growth ahead.
  • ↑Strong earnings yield, manageable leverage and low volatility support valuation.

Bear says

  • ↓Management expects slight margin compression from rising deposit costs.
  • ↓Elevated CRE payoffs curb loan growth despite ROA >1.5%.
  • ↓Negative earnings revisions signal analysts lower future EPS expectations.
  • ↓Intense deposit competition may hinder non-interest deposit growth.
  • ↓High interest-rate sensitivity threatens net interest income stability.
  • ↓Weak profitability factors and low dividend yield deter income investors.

Investment themes with ABCB

Regional Banks↓ -1.16%

FLG · TCBI · ZION

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 08-14-2026neutral

Transcript signals

Bull points

  • We reported net income of $109.8 million, or $1.60 per diluted share, in the second quarter of which is a notable 21% increase over the year-ago quarter.
  • our profitability improved to levels well ahead of our recent past, with an ROA and return on tangible common equity both moving higher.
  • Our efficiency ratio improved 51.63% this quarter compared to 52.83% last quarter as we continue to focus on positive operating leverage, evidenced by our revenue growth of 20.9% annualized, well outpacing our expense growth.

Bear points

  • The previous benefit to our margin from the lower funding cost has been fully realized with our total cost of funds remaining flat during the quarter.
  • we expect pressure on deposits as we see loan growth pick up the second half of the year.
  • The previous benefit to our margin from the lower funding cost has been fully realized with our total cost of funds remaining flat during the quarter.
Read full transcript analysis ›