ABCB:NSD-Ameris Bancorp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 51.31

Change

0.00 (0.00)%

Market Cap

USD 3.57B

Volume

0.37M

Average Target Price

USD 49.00 (-4.50%)
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: 2021-04-18 )

Largest Industry Peers for Banks-Regional

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

N/A

USD28.33B 37.67 N/A
SIVB SVB Financial Group

N/A

USD28.01B 22.69 N/A
FITB Fifth Third Bancorp

N/A

USD27.15B 20.87 N/A
FITBI Fifth Third Bancorp

N/A

USD19.88B 15.53 N/A
HBAN Huntington Bancshares Incorpor..

N/A

USD16.54B 23.45 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD13.18B 36.78 N/A
SBNY Signature Bank

N/A

USD13.11B 22.85 N/A
ZION Zions Bancorporation, National..

N/A

USD9.18B 18.58 N/A
CBSH Commerce Bancshares, Inc

N/A

USD9.03B 21.40 N/A
FCNCA First Citizens BancShares, Inc

N/A

USD8.32B 18.04 N/A

ETFs Containing ABCB

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

N/A

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

N/A

USD3.67B
VIOV Vanguard S&P Small-Cap 60.. 0.00 % 0.15 %

N/A

USD1.27B

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 34.78% 82% B- 83% B
Dividend Return 0.39% 11% F 30% F
Total Return 35.17% 81% B- 83% B
Trailing 12 Months  
Capital Gain 127.44% 92% A- 77% C+
Dividend Return 2.66% 21% F 44% F
Total Return 130.10% 92% A- 78% C+
Trailing 5 Years  
Capital Gain 65.09% 68% D+ 58% F
Dividend Return 7.40% 10% F 22% F
Total Return 72.49% 62% D- 57% F
Average Annual (5 Year Horizon)  
Capital Gain 0.78% 50% F 35% F
Dividend Return 1.13% 20% F 31% F
Total Return 1.91% 40% F 33% F
Risk Return Profile  
Volatility (Standard Deviation) 36.00% 9% F 48% F
Risk Adjusted Return 5.30% 35% F 30% F
Market Capitalization 3.57B 90% A- 81% 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 13.61 58% F 66% D
Price/Book Ratio 1.37 26% F 77% C+
Price / Cash Flow Ratio 4.47 84% B 52% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 10.24% 71% C- 77% C+
Return on Invested Capital 40.58% 99% A+ 97% A+
Return on Assets 1.36% 86% B 64% D
Debt to Equity Ratio 20.76% 56% F 60% D-
Technical Ratios  
Short Ratio 3.88 34% F 28% F
Short Percent 3.81% 10% F 47% F
Beta 1.45 11% 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

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 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 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

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

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 book value

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