# Ameris Bancorp (ABCB) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $86.05, market value $5.8 billion.

## Valuation
- **P/E (trailing): 15.6×** (5-yr avg 11.0×, 3-yr avg 12.5×). Ameris Bancorp trades at 15.6× trailing earnings, well above its own five-year average of 11.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.78**. A PEG of 0.78 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.0%** (5-yr avg 11.8%). Free cash flow equals 9.0% of the market value, below its five-year average of 11.8%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 6.4%**. The inverse of the P/E: 6.4% of the price is earned each year.

## Profitability
- **Return on equity: 10.1%**. 10.1% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 15.6%** (3-yr 6.3%/yr, 5-yr 9.7%/yr). Earnings per share rose 15.6%.
- **Free-cash-flow growth (3 yr): -29.4%/yr**. Free cash flow has compounded at -29.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 0.93%** ($0.80 per share, trailing). Ameris Bancorp yields 0.93%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 13%** (11% of free cash flow). 13% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 5.9%/yr** (1-yr 23.1%). The dividend has grown 5.9% a year over five years.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover Ameris Bancorp; the consensus is buy, with an average price target of $94.17 (+9% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 16.7%** (YTD 16.4%, 3-mo 0.9%). The shares are up 16.7% over twelve months including dividends.
- **From 52-week high: -7.7%** (25.1% above the low). Trading 8% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.75** (volatility 23%). Beta of 0.75 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ABCB · Page: https://foliofundamentals.com/stocks/abcb

Not investment advice.