profit from every $100 of sales.
$0$100
Ameris Bancorp
$82.96+0.02% today
+10.7% in 1 year
1-year low $70.431-year high $93.17
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $13.49 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Ameris Bancorp sold, what it kept, and what it did with the cash.
Sales went from $1.05 billion in 2022 to $1.17 billion in 2025, with $412 million of profit last year.
SalesProfit
Ameris Bancorp handed back 37% of the cash it generated last year.
Buybacks $83M$55M
Free cash flow 2025$370M
Bought back its own shares$83M
Paid as dividends$55M
Cash vs. debt$1.1B vs. $692M
Ameris Bancorp vs. similar companies
Ameris Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Ameris Bancorp | 13.5× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Ameris Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,049 | 1,043 | 1,104 | 1,174 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 347 | 269 | 359 | 412 | |
| 4.99 | 3.89 | 5.19 | 6.00 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.0% | 25.8% | 32.5% | 35.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 25,053 | 25,204 | 26,262 | 27,516 |
| Cash | 1,118 | 1,167 | 1,220 | 1,089 |
| Total debt | 2,004 | 640 | 424 | 692 |
| Total liabilities | 21,856 | 21,777 | 22,511 | 23,440 |
| 3,197 | 3,427 | 3,752 | 4,076 | |
| 69 | 69 | 69 | 69 | |
| 8.3% | 15.6% | – | – | |
| 10.8% | 7.9% | 9.6% | 10.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,062 | 569 | 154 | 390 | |
| 14 | 18 | 13 | 21 | |
| 1,049 | 551 | 141 | 370 | |
| Dividends paid | 42 | 42 | 41 | 55 |
| 22 | 20 | 8 | 83 | |
| 7 | 10 | 13 | 13 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.5×
- 12.3×
- 2.13
- 1.4×
- 4.7×
- 7.4%
- 0.9%
Profitability
- 35.1%
- 7.9%
- 8.0%
- 10.8%
- 1.5%
Growth
- +3.8%
- +6.3%
- +5.9%
- −0.3%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 34%of 748
Top 29%of 603
Top 47%of 873
Bottom 33%of 883
Top 40%of 933
What analysts expect
- Average price target
- $91.25
- Range
- $89.00 – $94.00
- 4 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 1.63 | 1.54 | +5.8% |
| Jan 29, 2026 | 1.59 | 1.56 | +1.9% |
| Oct 27, 2025 | 1.53 | 1.47 | +4.1% |
| Jul 28, 2025 | 1.17 | 1.35 | −13.3% |
| Apr 28, 2025 | 1.28 | 1.15 | +11.3% |
| Jan 30, 2025 | 1.38 | 1.20 | +15.0% |
| Oct 24, 2024 | 1.38 | 1.26 | +9.5% |
| Jul 25, 2024 | 1.17 | 1.14 | +2.6% |
0.9%of the share price, paid each year
On $1,000 invested$9a year at today's yield, before tax
+5.9%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.20 in 2015 → $0.80 in 2025
How safe it looks
13.4% of its profit
Room to growStretchedMore than it earns: 14.9%
News
Ameris projects mid-single-digit loan and deposit growth as it targets $165M-$169M quarterly core expenses in 2027Seeking Alpha · Oct 23, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
61Pass
Benjamin Graham
68Pass
Philip Fisher
70Pass
Peter Lynch
40No pass
Joel Greenblatt
21No pass
Charlie Munger
60Pass
Terry Smith
52No pass
Questions about Ameris Bancorp
Is Ameris Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Ameris Bancorp AI analysis
What does Ameris Bancorp do?
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, North Carolina, and South Carolina. It is in Banks - Regional, based in Atlanta, GA, United States, with 2,642 employees.
Does Ameris Bancorp pay a dividend?
Yes. At today's price the dividend is 0.9% a year, about 13% of its yearly profit. In 2025 it paid out $55.3 million in dividends.
Is Ameris Bancorp stock halal?
No. Ameris Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Ameris Bancorp stock done over the past year?
Up 10.7% over the past twelve months, to $82.96. It traded between $70.43 and $93.17 and is 11.0% below its high.
Who are Ameris Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Ameris Bancorp's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.