Ameris Bancorp (ABCB) Stock Price & Analysis
Ameris Bancorp (ABCB) closed at USD 82.37 on Thursday, October 22, 2026, up 2.17% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 80.62; the Oct 22, 2026 session ranged USD 80.49–82.58 on volume of 763,318 shares. Market capitalization is $5.53B, with a 52-week range of USD 69.58–93.22 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:24 UTC.
Also available as compact Markdown for AI agents: nexqual.com/ABCB.md
Key facts (ABCB)
- Last four reported quarters (through Jun 30, 2026): revenue $1.26B, net income $376M (29.8% margin) (SEC filings).
- Valuation: P/E 14.7x (avg 12.7x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold ABCB (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
- Analysts: Buy (mean 2.43 on a 1–5 scale) (7 analysts), mean target USD 93.17 (range 84–100).
- Total return with dividends: 1Y +14.8% vs S&P 500 +14.9%; 5Y +61.2% vs S&P 500 +80.3%.
- Next earnings: 2026-10-22, EPS estimate USD 1.75, revenue estimate $327M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (ABCB)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.02B | $1.09B | $1.08B | $1.14B | $1.21B | $1.26B |
| Net income | $377M | $347M | $269M | $359M | $412M | $376M |
| EPS (diluted) | $5.40 | $4.99 | $3.89 | $5.19 | $6.00 | — |
| Free cash flow | -$16.3M | $1.05B | $551M | $141M | $370M | $522M |
| Net margin | 36.9% | 31.9% | 25.0% | 31.4% | 34.1% | 29.8% |
| Revenue growth | -5.8% | +6.3% | -0.7% | +6.0% | +5.7% | — |
| Cash + short-term investments | $4.06B | $1.12B | $1.17B | $1.22B | $1.09B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (ABCB)
P/E 14.7x · P/S 4.4x · P/FCF 10.6x · P/B 1.4x · FCF yield 9.44% · Earnings yield 6.81% · Dividend yield (paid, TTM) 0.99%
P/E at fiscal year-ends: Dec 2025 12.4x, Dec 2024 12.0x, Dec 2023 13.6x.
Superinvestors (SEC 13F-HR, Q2 2026) (ABCB)
1 of 80 tracked investors hold ABCB. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| First Eagle Investment | First Eagle Investment Management | 0.05% | $29.7M | Added +32.9% |
Analysts (ABCB)
Consensus Buy (mean 2.43 on a 1–5 scale), 7 analysts; mean target USD 93.17 (low 84, high 100).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-09 | Truist Securities | Target lowered | Hold | $90 → $84 |
| 2026-07-28 | Truist Securities | Target lowered | Hold | $92 → $90 |
| 2026-07-27 | Piper Sandler | Target lowered | Neutral | $96 → $92 |
| 2026-07-27 | DA Davidson | Target raised | Buy | $98 → $100 |
| 2026-07-13 | Piper Sandler | Downgrade | Overweight → Neutral | $96 |
| 2026-07-10 | Truist Securities | Target raised | Hold | $89 → $92 |
| 2026-07-01 | Raymond James | Downgrade | Outperform → Market Perform |
Total return (dividends reinvested) (ABCB)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +14.8% | +61.2% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +14.8% | +10.0% |
| Volatility (annualized) | 21.4% | 30.8% |
| Max drawdown | -16.0% (Jul 2026→Oct 2026) | -46.5% (Jan 2022→May 2023) |
ABCB revenue by product line (fiscal year ended Dec 31, 2025)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Service Charges On Deposit Accounts | $54.6M | — | +7.4% |
| Other Service Charges On Deposit Accounts | $18.6M | — | +13.5% |
| Overdraft Fees | $18.4M | — | +5.9% |
| Debit Card Interchange Fees | $17.7M | — | +3.0% |
| ATM Fees | $3.3M | — | -5.0% |
| Other Service Charges Commissionsand Fees | $3.3M | — | -5.0% |
| Total revenue | — | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
ABCB suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | Visa (V) | “Accordingly, we also face risks related to cyberattacks and other security breaches in connection with our own and third-party systems, processes and data, including credit and debit card transactions that typically involve the transmission of sensitive information regarding our customers through various third parties, including merchant acquiring banks, payment processors, payment card networks (e.g., Visa, Maste…” |
| Customer | Mastercard (MA) | “Accordingly, we also face risks related to cyberattacks and other security breaches in connection with our own and third-party systems, processes and data, including credit and debit card transactions that typically involve the transmission of sensitive information regarding our customers through various third parties, including merchant acquiring banks, payment processors, payment card networks (e.g., Visa, Maste…” |
Quoted from the company's 10-K filed Feb 26, 2026.
ABCB analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.75 | $1.71 | +2.2% | $327.1M | 1 |
| Next quarter (ends Mar 2027) | $1.65 | $1.65 | +0.0% | $326.0M | 6 |
| Current fiscal year (ends Dec 2026) | $6.69 | $6.72 | -0.5% | $1.29B | 1 |
| Next fiscal year (ends Dec 2027) | $7.03 | $7.06 | -0.5% | $1.35B | 7 |
ABCB options: expected move
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 28 | 39.6% | ±9.1% |
| Dec 18, 2026 | 56 | 34.7% | ±11.0% |
| Jan 15, 2027 | 84 | 31.3% | ±12.1% |
| Apr 16, 2027 | 175 | 30.4% | ±16.7% |
30-day implied volatility 28.6% vs 16.6% realized over the last 30 trading days. Put/call ratio (volume) 0. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:24 UTC)
| Price | USD 82.37 |
|---|---|
| Change | ▲ 2.17% (up) |
| Previous Close | USD 80.62 |
| Open | USD 80.6 |
| Day Range | USD 80.49 – 82.58 |
| 52-Week Range | USD 69.58 – 93.22 |
| Volume | 763,318 shares |
| Market Cap | $5.53B |
| Exchange | NYQ |
Technical Analysis (ABCB)
Nexqual's technical model rates ABCB "SELL" based on 2 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 09:24 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 54.75 (neutral) |
| vs SMA50 | Below (USD 83.16) |
| MACD | -0.71 (negative) |
Analyst Ratings (ABCB)
Wall Street analysts rate ABCB "Buy" based on 7 analysts, with a mean price target of USD 93.17 (range USD 84–100), per Nexqual as of October 23, 2026 at 09:24 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 7 |
| Mean Target | USD 93.17 |
| High Target | USD 100 |
| Low Target | USD 84 |
| Buy / Hold / Sell | 3 / 4 / 0 |
Earnings (ABCB)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 1.75 |
| Revenue Estimate | $327.09M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 1.73 vs est 1.68 ▲ beat |
| 2026-06-30 | USD 1.6 vs est 1.66 ▼ miss |
| 2026-03-31 | USD 1.63 vs est 1.56 ▲ beat |
| 2025-12-31 | USD 1.59 vs est 1.58 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:24 UTC.
Financials & Fundamentals (ABCB)
| Total Revenue | $1.18B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +3.60% |
| Gross Margin | +0.00% |
| Operating Margin | +50.19% |
| Profit Margin | +31.80% |
| ROE | +9.40% |
| Total Cash | $1.21B |
| Total Debt | $1.39B |
Source: Nexqual, October 23, 2026 at 09:24 UTC.
Financial Health Score (ABCB)
Nexqual rates Ameris Bancorp's overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:24 UTC.
| Growth | Solid — Revenue +8% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 34% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 9%, ROA 1.4% |
Ownership (ABCB)
| Insider Ownership | +5.43% |
|---|---|
| Institutional Ownership | +101.20% |
| Shares Outstanding | 67.11M |
| Float | 62.90M |
| Short % of Float | +6.50% |
Source: Nexqual, October 23, 2026 at 09:24 UTC.
Leadership (ABCB)
Ameris Bancorp is led by H. Palmer Proctor, Vice Chairman & CEO, per Nexqual as of October 23, 2026 at 09:24 UTC.
| Vice Chairman & CEO | H. Palmer Proctor |
|---|---|
| Executive Chairman | James B. Miller |
| Corporate Executive VP & CFO | Nicole S. Stokes |
| Chief Banking Officer & Bank President | Lawton E. Bassett |
| Senior VP & Director of Community Lending | Clyde Anderson |
Major Backers & Investors (ABCB)
Notable institutional backers of Ameris Bancorp include Invesco, Wellington Management, North Reef Capital Management LP, according to Nexqual as of October 23, 2026 at 09:24 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Invesco | 4.61% |
| Wellington Management | 4.31% |
| North Reef Capital Management LP | 4.07% |
| Independent Advisor Alliance | 3.95% |
| Morgan Stanley | 3.29% |
| Eaton Vance Growth Trust-Eaton Vance Atlanta Capital SMID-Cap Fund | 1.73% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 14.56% |
| Vanguard Group | 9.81% |
| Dimensional Fund Advisors | 5.81% |
| State Street | 5.2% |
Source: Nexqual, October 23, 2026 at 09:24 UTC.
From Ameris Bancorp's Latest SEC 10-K Filing (filed 2026-02-26)
Partnerships
- The FDIC may terminate the deposit insurance of any insured depository institution, including the Bank, if the FDIC determines after a hearing that the institution has engaged or is engaging in unsafe or unsound banking practices, is in an unsafe or unsound condition to continue operations or has violated any applicable law, regulation or order or any condition imposed by an agreement with the FDIC.
Legal & Regulatory Risks (Item 1A, quoted)
- We may become subject to enforcement actions even though noncompliance was inadvertent or unintentional.
- We may be a defendant from time to time in a variety of litigation and other actions, which could have a material adverse effect on our financial condition, results of operations and cash flows.
- We may be involved from time to time in a variety of litigation matters arising out of our business.
- We could be subject to changes in tax laws, regulations and interpretations or challenges to our income tax provision.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 3.95 | ▼ 2.47% |
| FITB | Fifth Third Bancorp | USD 53.23 | ▲ 0.8% |
| DB | Deutsche Bank AG | USD 31.48 | ▼ 2.39% |
| TFC | Truist Financial Corporation | USD 48.42 | ▲ 1.45% |
| NWG | NatWest Group plc | USD 16.99 | ▼ 2.3% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 2.13% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:24 UTC. This page is informational and not investment advice.
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