ABCB:NSD-Ameris Bancorp (USD)

COMMON STOCK | Banks—Regional | NSD

Last Closing Price

USD 22.14

Change

0.00 (0.00)%

Market Cap

USD 1.58B

Volume

0.24M

Average Target Price

USD 28.00 (+26.47%)
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 125 domestic banking offices and 16 loan production offices. Ameris Bancorp was founded in 1971 and is based in Atlanta, Georgia.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-07-03 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
FITBI Fifth Third Bancorp

N/A

USD18.80B 7.42 N/A
FITB Fifth Third Bancorp

N/A

USD14.16B 9.34 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD13.27B 17.76 N/A
SIVB SVB Financial Group

N/A

USD10.71B 11.71 N/A
HBAN Huntington Bancshares Incorpor..

N/A

USD9.68B 10.37 N/A
CBSH Commerce Bancshares, Inc

N/A

USD6.45B 18.96 N/A
CBSHP Commerce Bancshares, Inc

N/A

USD6.26B 6.98 N/A
PBCTP People's United Financial, Inc

N/A

USD5.87B 18.20 N/A
ZION Zions Bancorporation, National..

N/A

USD5.44B 11.31 N/A
SBNY Signature Bank

N/A

USD5.43B 10.59 N/A

ETFs Containing ABCB

Symbol Name Weight Mer Price(Change) Market Cap
SAA ProShares Ultra SmallCap6.. 0.00 % 0.95 %

N/A

USD0.01B
DPST Direxion Daily Regional B.. 0.00 % 0.99 %

N/A

USD0.06B

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 -47.95% 5% F 9% F
Dividend Return 0.71% 15% F 38% F
Total Return -47.25% 5% F 9% F
Trailing 12 Months  
Capital Gain -43.29% 9% F 17% F
Dividend Return 1.54% 18% F 41% F
Total Return -41.75% 10% F 17% F
Trailing 5 Years  
Capital Gain -11.33% 34% F 46% F
Dividend Return 8.01% 17% F 32% F
Total Return -3.32% 30% F 45% F
Average Annual (5 Year Horizon)  
Capital Gain 8.28% 63% D 69% D+
Dividend Return 0.98% 20% F 22% F
Total Return 9.26% 60% D- 69% D+
Risk Return Profile  
Volatility (Standard Deviation) 30.64% 15% F 49% F
Risk Adjusted Return 30.22% 33% F 62% D-
Market Capitalization 1.58B 84% B 77% 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 11.10 41% F 66% D
Price/Book Ratio 0.69 82% B- 89% B+
Price / Cash Flow Ratio -1.68 93% A 65% D
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 7.16% 29% F 66% D
Return on Invested Capital 8.80% 70% C- 75% C
Return on Assets 0.94% 45% F 54% F
Debt to Equity Ratio 16.25% 73% C 71% C-
Technical Ratios  
Short Ratio 3.84 31% F 33% F
Short Percent 3.35% 16% F 50% F
Beta 1.49 12% F 31% 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.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

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.

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.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Negative cashflow

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