# Ameris Bancorp (ABCB)

> Source: Nexqual · https://nexqual.com/ABCB · data as of 2026-10-22 20:00 UTC · cite as "Nexqual, Ameris Bancorp (ABCB), nexqual.com/ABCB" · informational, not investment advice.

**Price:** USD 82.37 (+2.17% on the day) · last close of Oct 22, 2026; US market pre market, not a live price. Prev close 82.37 · day 80.49–82.58 · 52w 69.58–93.22 · market cap null · NYQ

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $1.26B, net income $376M (29.8% margin) (SEC filings).
- 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)
| 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)

P/E at fiscal year-ends: Dec 2025 12.4x, Dec 2024 12.0x, Dec 2023 13.6x.

## Superinvestors (SEC 13F-HR, Q2 2026)
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
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)
|  | 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) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 3.95 -2.47% · FITB (Fifth Third Bancorp) USD 53.23 +0.80% · 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 -2.30% · NU (Nu Holdings Ltd.) USD 14.73 -2.13%

## More
Full page: https://nexqual.com/ABCB · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Supply chain and relationships (SEC annual reports)

Named in ABCB's own 10-K filed 2026-02-26 (https://www.sec.gov/Archives/edgar/data/351569/000035156926000050/abcb-20251231.htm):

| 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 invo…" |
| 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 invo…" |

## Revenue by product line (fiscal year ended 2025-12-31)

| Line | Revenue | Share | 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% | — |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | $1.75 | $1.71 | +2.2% | $327.1M | 1 |
| Next quarter (ends 2027-03-31) | $1.65 | $1.65 | +0.0% | $326.0M | 6 |
| Current fiscal year (ends 2026-12-31) | $6.69 | $6.72 | -0.5% | $1.29B | 1 |
| Next fiscal year (ends 2027-12-31) | $7.03 | $7.06 | -0.5% | $1.35B | 7 |

## Options: expected move (Cboe, 15-min delayed)

| Expiration | Days | ATM IV | Expected move |
|---|---|---|---|
| 2026-11-20 | 28 | 39.6% | ±9.1% |
| 2026-12-18 | 56 | 34.7% | ±11.0% |
| 2027-01-15 | 84 | 31.3% | ±12.1% |
| 2027-04-16 | 175 | 30.4% | ±16.7% |