Latest revenue
$95.4M
as of 2026-03-31
Latest net income
$110.5M
as of 2026-03-31
Net margin
115.8%
as of 2026-03-31
ActaClear Score
Computed from 5 years of SEC fundamentals + latest market data, ranked within State Commercial Banks (212 peers). 10 = best in industry, 5 = median, 0 = worst. Refreshed Jun 6, 2026.
Fair value · DCF
DCF: 10-year forecast of free cash flow, discounted at the company's WACC, with a Gordon-growth terminal at year 10. FCF is proxied by last fiscal-year net income (proper FCF needs CFO − CapEx by year, which we don't store yet). Drag the slider to test your own growth thesis — the dominant assumption in any DCF is what comes next, not what the math does with it. Beta defaults to 1.0 when not reported.
Community sentiment
Where do you think ABCB is heading?
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $5.75B
- Enterprise value
- $5.52B
- P/E (trailing)
- 14.0×
- Forward P/E
- —
- P/B
- 1.41×
- Dividend yield
- 0.9%
- 52-wk high
- $87.99
- 52-wk low
- $59.54
- Beta
- —
- Shares out
- 67.3M
5-year trend
What this company does
Ameris Bancorp is an Atlanta-based regional bank operating 163 branches across Georgia, Alabama, Florida, and the Carolinas, offering loans, deposits, mortgages, and cash management. It earns most of its revenue from interest on its $21.8 billion loan book, supplemented by mortgage banking fees and deposit service charges. Q1 2026 net income jumped 26% year-over-year to $110 million as net interest margin expanded, while management accelerated buybacks, repurchasing $84 million of stock during the quarter.
Generated from ABCB's filing dated 2026-02-26
Key risks
- Goodwill of $1.02B equals 25% of shareholders' equity ($4.08B), creating meaningful impairment risk if Southeast banking conditions deteriorate.
- Credit deterioration building: ACL rose to $354.7M (1.62% of loans) with $17.9M Q1 loan-loss provision; OREO ticked up to $3.1M.
- Funding mix shifting costlier: other borrowings jumped to $888M from $558M in Q1, with borrowing interest expense up 65% YoY.
Generated from ABCB's filing dated 2026-02-26
Profitability
Net margin
24.7%
15.3%Return on equity
10.1%
5.8%Return on assets
202.8%
131.0%Leverage
Debt / equity
-0.95×
6.6%Debt / assets
-1905.5%
132.9%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $95.4M | +15.6% | $110.5M | +25.7% | 115.8% |
Q4 2025 2025-12-31 | $1.44B | +0.3% | $108.4M | +14.8% | 7.5% |
Q3 2025 2025-09-30 | $77.3M | +9.3% | $106.0M | +6.9% | 137.2% |
Q2 2025 2025-06-30 | $69.6M | -22.2% | $109.8M | +21.0% | 157.9% |
Q1 2025 2025-03-31 | $82.5M | +4.5% | $87.9M | +18.3% | 106.6% |
Q4 2024 2024-12-31 | $1.43B | — | $94.4M | — | 6.6% |
Q3 2024 2024-09-30 | $70.7M | +10.2% | $99.2M | +23.8% | 140.3% |
Q2 2024 2024-06-30 | $89.4M | +31.4% | $90.8M | +44.9% | 101.6% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
State Commercial Banks · SIC 6022
Your notes
Keep private notes on ABCB — thesis, target price, catalysts to watch.
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Insider activity
Insider buying
$47.5K
Insider selling
$565.6K
Net activity
−$518.1K
Distinct insiders
6
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns ABCB
Institutional value
$3.01B
Total shares held
40.1M
Distinct holders
250
-139 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 9.8M | $765.7M | -42.0K (-0.4%) | Trimmed |
| 2 | DIMENSIONAL FUND ADVISORS LP | 3.9M | $303.9M | -128.2K (-3.2%) | Trimmed |
| 3 | VANGUARD PORTFOLIO MANAGEMENT LLC | 3.7M | $288.1M | — | New |
| 4 | VANGUARD CAPITAL MANAGEMENT LLC | 2.9M | $225.9M | — | New |
| 5 | Independent Advisor Alliance | 2.6M | $206.5M | +157.3K (+6.3%) | Added |
| 6 | Invesco Ltd. | 2.6M | $202.4M | +1.6M (+152.6%) | Added |
| 7 | JENNISON ASSOCIATES LLC | 1.4M | $108.4M | -351.2K (-20.2%) | Trimmed |
| 8 | CONGRESS ASSET MANAGEMENT CO | 1.1M | $85.5M | +99.2K (+9.9%) | Added |
| 9 | PRINCIPAL FINANCIAL GROUP INC | 1.1M | $82.5M | +90.9K (+9.4%) | Added |
| 10 | JPMORGAN CHASE & CO | 956.0K | $73.2M | -255.9K (-21.1%) | Trimmed |
| 11 | Nuveen, LLC | 918.8K | $71.7M | -164.5K (-15.2%) | Trimmed |
| 12 | VAUGHAN NELSON INVESTMENT MANAGEMENT, L.P. | 542.0K | $42.3M | — | New |
| 13 | Bank of New York Mellon Corp | 516.1K | $40.3M | -3.3K (-0.6%) | Trimmed |
| 14 | VANGUARD FIDUCIARY TRUST CO | 416.9K | $32.5M | — | New |
| 15 | FORT WASHINGTON INVESTMENT ADVISORS INC /OH/ | 384.7K | $30.0M | -69.5K (-15.3%) | Trimmed |
| 16 | WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC | 374.7K | $29.2M | +12.5K (+3.5%) | Added |
| 17 | abrdn plc | 308.9K | $24.1M | +5.1K (+1.7%) | Added |
| 18 | Allspring Global Investments Holdings, LLC | 270.8K | $21.3M | -83.3K (-23.5%) | Trimmed |
| 19 | Penn Capital Management Company, LLC | 263.0K | $20.6M | -7.9K (-2.9%) | Trimmed |
| 20 | UBS Group AG | 259.2K | $20.2M | -12.4K (-4.6%) | Trimmed |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
- 1
Loan growth jumped to $332M this quarter versus a $17M decline a year ago—what's driving this acceleration and are underwriting standards holding?
- 2
Other borrowings spiked from $558M to $888M while you bought back $84M in stock—why prioritize buybacks over deposit funding here?
- 3
ACL rose to $354.7M (1.62% of loans) with $17.9M provision—which loan categories drove the build and what's CRE exposure?
Refreshed when ABCB files a new report · last from 2026-02-26
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