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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| ABCB | +18.91% | +171.23% | +22.06% | +2,508% |
| S&P | +16.9% | +95.99% | +14.39% | +1,388% |
Ameris Bancorp is a bank holding company, which through the subsidiary, Ameris Bank, engages in the provision of banking services to its retail and commercial customers. It operates through the following business segments: Banking, Retail Mortgage, Warehouse Lending, the SBA and Premium Finance. The Banking segment offers full service financial services to include commercial loans, consumer loans and deposit accounts. The Retail Mortgage segment includes origination, sales, and servicing of one-to-four family residential mortgage loans. The Warehouse Lending segment includes the origination and servicing of warehouse lines to other businesses that are secured by underlying one-to-four family residential mortgage loans. The SBA segment consists of origination, sales, and servicing of small business administration loans. The Premium Finance segment includes the origination and servicing of commercial insurance premium finance loans. The company was founded on October, 1971 and is headquartered in Moultrie, GA.
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| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $423.23M | -2.2% |
| Market Cap | $4.46B | 28.1% |
| Market Cap / Employee | $1.66M | 0.0% |
| Employees | 2.7K | -2.7% |
| Net Income | $109.83M | 21.0% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $350.05M | -24.3% |
| Short Term Debt | $159.95M | -74.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.47% | 0.3% |
| Return On Invested Capital | 7.90% | 0.6% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $53.72M | 153.5% |
| Operating Free Cash Flow | $61.37M | 163.2% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 13.04 | 12.05 | 10.68 | 11.41 | 2.15% |
| Price to Book | 1.21 | 1.17 | 1.06 | 1.17 | 16.76% |
| Price to Sales | 2.66 | 2.62 | 2.38 | 2.68 | 20.90% |
| Price to Tangible Book Value | 1.74 | 1.67 | 1.49 | 1.63 | 11.48% |
| Price to Free Cash Flow TTM | 23.92 | 43.58 | 20.42 | 12.89 | -22.67% |
| Free Cash Flow Yield | 4.2% | 2.3% | 4.9% | 7.8% | 29.31% |
| Return on Equity | 9.4% | 10.0% | 10.2% | 10.5% | 15.14% |
| Total Debt | $478.26M | $477.50M | $409.55M | $510.01M | -52.68% |
Bill Demchak once noted that JPMorgan can build anything fintech has in a week given its resources, so what's the missing ingredient?
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ABCB earnings call for the period ending September 30, 2021.
ABCB earnings call for the period ending June 30, 2021.
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