ABCB:NSD-Ameris Bancorp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 43.66

Change

-0.66 (-1.49)%

Market Cap

USD 3.08B

Volume

0.40M

Average Target Price

USD 32.57 (-25.40%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company 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 small unsecured personal credit lines; and municipal and commercial insurance premium finance loans. It operates 170 domestic banking offices and 31 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia. Address: 3490 Piedmont Road NE, Atlanta, GA, United States, 30305

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-01-25 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

-0.07 (-0.27%)

USD28.24B 37.55 N/A
SIVB SVB Financial Group

+0.60 (+0.12%)

USD24.91B 20.99 N/A
FITB Fifth Third Bancorp

-0.50 (-1.62%)

USD22.02B 16.89 N/A
FITBI Fifth Third Bancorp

-0.22 (-0.76%)

USD20.17B 15.76 N/A
HBAN Huntington Bancshares Incorpor..

-0.36 (-2.60%)

USD14.15B 20.06 N/A
HBANO Huntington Bancshares Incorpor..

-0.05 (-0.20%)

USD13.19B 36.81 N/A
SBNY Signature Bank

+3.85 (+2.40%)

USD8.59B 16.09 N/A
CBSH Commerce Bancshares, Inc

-0.78 (-1.12%)

USD8.13B 23.85 N/A
ZION Zions Bancorporation, National..

-0.91 (-1.89%)

USD7.90B 15.93 N/A
PBCTP People's United Financial, Inc

-0.23 (-0.81%)

USD6.86B 21.42 N/A

ETFs Containing ABCB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 14.68% 92% A- 70% C-
Dividend Return N/A N/A N/A N/A N/A
Total Return 14.68% 92% A- 70% C-
Trailing 12 Months  
Capital Gain 7.62% 87% B+ 48% F
Dividend Return 1.48% 16% F 35% F
Total Return 9.10% 85% B 48% F
Trailing 5 Years  
Capital Gain 58.25% 71% C- 55% F
Dividend Return 7.97% 12% F 21% F
Total Return 66.22% 66% D 53% F
Average Annual (5 Year Horizon)  
Capital Gain 0.38% 48% F 41% F
Dividend Return 1.08% 20% F 29% F
Total Return 1.46% 40% F 38% F
Risk Return Profile  
Volatility (Standard Deviation) 32.16% 16% F 45% F
Risk Adjusted Return 4.55% 38% F 36% F
Market Capitalization 3.08B 90% A- 79% C+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 13.47 49% F 63% D
Price/Book Ratio 1.20 28% F 77% C+
Price / Cash Flow Ratio -3.28 93% A 64% D
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 9.19% 67% D+ 75% C
Return on Invested Capital 8.70% 74% C 75% C
Return on Assets 1.22% 81% B- 62% D-
Debt to Equity Ratio 61.80% 23% F 38% F
Technical Ratios  
Short Ratio 4.90 36% F 26% F
Short Percent 3.51% 13% F 48% F
Beta 1.47 11% F 33% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

Superior Dividend Growth

This stock has shown top quartile dividend growth in the previous 5 years compared to its sector

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.