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Georgia-based regional bank offering retail, commercial and mortgage/warehouse lending across the Southeast.
Georgia-based regional bank offering retail, commercial and mortgage/warehouse lending across the Southeast.
Earns most of its income from the gap between what it charges on loans and pays on deposits, plus fees from mortgage banking and from its warehouse-lending line, which funds other lenders' mortgages until they are sold on. It has grown largely by buying smaller banks across the US Southeast.
Moat: narrow (scale, distribution). Diversified Southeast branch network with a niche mortgage-warehouse lending business; core banking is competitive.
Headquarters: Atlanta, Georgia, United States · Founded: 1971 · Employees: 2,673
Size Ameris Bancorp (ABCB) is a United States Financials company (Regional Banks) with a market value of $5.49B, the 1120th largest of 3,117 United States companies the cockpit tracks. Shares closed at $81.79 on 6 Nov 2026.
Performance Over six months the shares fell 5.5%, against +5.3% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd lowest of 21 in its peer set.
Growth Revenue grew 3.4% over the last twelve months (peer median +5.4%); the operating margin is 46.0% (peer median 43.4%).
Valuation It trades at 1.33× book value against a peer median of 1.23× (9th most expensive of 21).
Price implies The share price implies a return on equity of about 12.1%; Ameris Bancorp delivers 9.5%, so the price asks more than the business earns today.
Short interest Short interest is 4.2% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.71B | $1.67B | $1.64B | $1.51B | $1.27B |
| Revenue growth | — | +2% | +8% | +19% | — |
| Net income | $386M | $412M | $359M | $269M | $347M |
| Free cash flow | n/a | $370M | $141M | $551M | $1.05B |
| Capital expenditure | n/a | $20.5M | $123M | $17.5M | $63.6M |
| Total debt | $1.06B | $743M | $478M | $698M | $2.07B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Ameris Bancorp ABCB | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% |
| SouthState Bank SSB | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% |
| Renasant RNST | $3.55B | -2% | +20% | 9% | 0.93× | 9.5% |
| Seacoast Banking Corporation of Florida SBCF | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% |
| Regions Financial RF | $24.1B | +2% | +1% | 12% | 1.46× | 13.2% |
| Pinnacle Financial Partners PNFP | $15.2B | +3% | +100% | 10% | 1.10× | 10.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | ABCB | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +2.7% | +1.5% | 10th highest of 21 |
| 6-month return | -5.5% | +5.3% | 3rd lowest of 21 |
| Return on equity | 9.5% | 10.8% | 7th lowest of 21 |
| Price / book | 1.33× | 1.23× | 9th most expensive of 21 |
| Trailing P/E | 14.3× | 12.3× | 6th most expensive of 19 |
| ROE the price implies | 12.1% | 8.2% | 2nd most demanding of 20 |
| ROE delivered | 9.5% | 10.8% | 8th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Ameris Bancorp ABCB | United States | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% | 9.5% |
| Atlantic Union Bankshares AUB | United States | $5.51B | +4% | +21% | 11% | 1.09× | 9.5% | 10.7% |
| Taiwan Business Bank 2834.TW | Taiwan | $5.46B | +7% | -16% | 9% | 1.23× | 4.5% | 9.2% |
| Bank OZK OZK | United States | $5.53B | +4% | 0% | 11% | 0.93× | 8.9% | 11.3% |
| Intercorp Financial Services IFS | United States | $5.38B | +4% | +9% | 17% | 1.36× | 10.5% | 17.4% |
| Iyogin Holdings,Inc 5830.T | Japan | $5.61B | -3% | +13% | 8% | 0.91× | 8.2% | 7.8% |
| Grupo Financiero Galicia SA Sponsored ADR GGAL | United States | $5.36B | -30% | +3% | 2% | 0.76× | 9.6% | 2.0% |
| Hancock Whitney HWC | United States | $5.73B | +4% | -1% | 9% | 1.34× | 12.2% | 9.4% |
| Hokuhoku Financial 8377.T | Japan | $5.25B | +53% | +27% | 10% | 1.10× | 7.7% | 9.7% |
| Eastern Bankshares EBC | United States | $5.22B | +14% | +61% | 10% | 1.23× | 9.6% | 9.5% |
| Gunma Bank 8334.T | Japan | $5.78B | +11% | +22% | 10% | 1.43× | 7.8% | 10.3% |
| Berner Kantonalbank BEKN.SW | Switzerland | $5.07B | +17% | -4% | 7% | 1.34× | n/a | 6.6% |
| Home BancShares HOMB | United States | $5.97B | +12% | +2% | 11% | 1.31× | 10.2% | 11.1% |
| Qilu Bank 601665.SS | China | $6.02B | +2% | +1% | 12% | 0.75× | 3.2% | 12.2% |
| Bank of Changsha 601577.SS | China | $6.03B | 0% | -9% | 11% | 0.52× | 2.8% | 11.1% |
| Bank of Qingdao 3866.HK | Hong Kong | $4.84B | +6% | +12% | 14% | 0.57× | 6.1% | 13.8% |
| Noba Bank NOBA.ST | Sweden | $4.81B | +20% | +6% | 17% | 1.82× | 6.9% | 17.0% |
| Glacier Bancorp GBCI | United States | $6.27B | -1% | +21% | 9% | 1.45× | 11.2% | 8.8% |
| Rakuten Bank 5838.T | Japan | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% | 21.5% |
| Bank of Suzhou 002966.SZ | China | $6.41B | +12% | +5% | 11% | 0.79× | 2.8% | 10.9% |
| Ringkjobing Landbobank A/S RILBA.CO | Denmark | $6.44B | +16% | +2% | 20% | 3.58× | 10.2% | 20.5% |