ABCB:NSD-Ameris Bancorp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 48.31

Change

-0.30 (-0.62)%

Market Cap

USD 3.39B

Volume

0.46M

Avg Analyst Target

USD 55.33 (+14.54%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of 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. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 164 full service domestic banking offices and 33 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-02 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

-5.78 (-1.05%)

USD31.03B 15.71 N/A
HBANN Huntington Bancshares Incorpor..

+0.09 (+0.35%)

USD28.23B 27.97 N/A
FITB Fifth Third Bancorp

-0.21 (-0.58%)

USD25.54B 10.58 N/A
HBAN Huntington Bancshares Incorpor..

-0.08 (-0.57%)

USD20.80B 15.21 N/A
FITBI Fifth Third Bancorp

+0.18 (+0.63%)

USD20.08B 8.37 N/A
SBNY Signature Bank

-0.14 (-0.06%)

USD13.12B 17.88 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation, National..

-0.52 (-1.00%)

USD8.46B 7.83 N/A
CBSH Commerce Bancshares, Inc

-0.95 (-1.34%)

USD8.27B 15.16 N/A
FCNCA First Citizens BancShares, Inc

-13.36 (-1.71%)

USD7.62B 13.75 N/A

ETFs Containing ABCB

Symbol Name Weight Mer Price(Change) Market Cap
PSCF Invesco S&P SmallCap Fina.. 0.00 % 0.29 %

-0.40 (-0.71%)

USD0.05B
SLYV SPDR S&P 600 Small Cap Va.. 0.00 % 0.15 %

-0.48 (-0.59%)

USD4.13B
VIOV Vanguard S&P Small-Cap 60.. 0.00 % 0.15 %

-1.15 (-0.66%)

USD1.53B

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 26.90% 65% D 76% C
Dividend Return 0.79% 10% F 32% F
Total Return 27.69% 63% D 75% C
Trailing 12 Months  
Capital Gain 106.63% 93% A 85% B
Dividend Return 2.57% 21% F 46% F
Total Return 109.20% 94% A 86% B
Trailing 5 Years  
Capital Gain 47.29% 59% F 52% F
Dividend Return 7.32% 11% F 23% F
Total Return 54.60% 54% F 51% F
Average Annual (5 Year Horizon)  
Capital Gain 6.38% 72% C- 45% F
Dividend Return 1.23% 19% F 34% F
Total Return 7.61% 69% D+ 44% F
Risk Return Profile  
Volatility (Standard Deviation) 48.20% 7% F 37% F
Risk Adjusted Return 15.79% 43% F 32% F
Market Capitalization 3.39B 89% B+ 82% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 7.98 87% B+ 77% C+
Price/Book Ratio 1.21 36% F 80% B-
Price / Cash Flow Ratio 4.25 85% B 49% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 16.00% 89% B+ 83% B
Return on Invested Capital 40.58% 99% A+ 96% A
Return on Assets 2.03% 96% A 66% D
Debt to Equity Ratio 20.76% 56% F 59% F
Technical Ratios  
Short Ratio 3.86 28% F 34% F
Short Percent 2.58% 15% F 56% F
Beta 1.42 10% F 32% 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

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

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 earnings

The stock is trading low compared to its peers on a price to earning 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.

Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow 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 return on equity

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

Superior capital utilization

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

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.

Positive cash flow

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

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 book value

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