ABCB
Financial ServicesAmeris Bancorp · Banks - Regional · $6B
What is Ameris Bancorp?
Ameris Bancorp is the holding company for Ameris Bank, a regional bank serving retail and commercial customers across the southeastern United States. The bank operates more than 165 full-service branches alongside dozens of mortgage and loan production offices.
Ameris Bank generates revenue through five business segments: traditional banking, retail mortgage origination, warehouse lending, SBA lending, and commercial insurance premium finance. The bank collects deposits from individuals and businesses, then deploys those funds into commercial real estate, residential mortgage, agricultural, commercial and industrial, and consumer loans across Georgia, Alabama, Florida, North Carolina, and South Carolina.
Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
- Commercial and retail deposit accounts
- Commercial real estate and C&I lending
- SBA and small business loans
- Retail mortgage origination and servicing
Is ABCB a Good Stock to Buy?
UQS Score rates ABCB as Below Average overall, reflecting meaningful headwinds across several key pillars.
The Quality pillar stands out as the relative bright spot, suggesting the bank maintains reasonable operational standards for its size. Valuation is rated Attractive, meaning the stock may be priced below what the underlying business fundamentals would typically command.
The Moat, Growth, and Risk pillars are all rated Weak, pointing to limited competitive differentiation, subdued expansion prospects, and elevated risk factors that investors should weigh carefully.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ABCB pay dividends?
Yes — Ameris Bancorp pays a dividend.
Ameris Bancorp pays a regular dividend, consistent with the income-oriented tradition of regional bank holding companies. The dividend reflects the bank's ability to return capital to shareholders while maintaining regulatory capital requirements. Income-focused investors may find the payout relevant, though the Weak Risk pillar warrants attention when assessing dividend sustainability.
When does ABCB report earnings?
Ameris Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's five operating segments — including mortgage, warehouse lending, and premium finance — each contribute to quarterly results, making performance sensitive to interest rate conditions and regional credit trends. The Weak Growth pillar suggests revenue expansion has been limited in recent periods.
For the most recent quarter's results, visit Ameris Bancorp's investor relations page directly.
ABCB Price History
+63.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Ameris Bancorp?
Based on Ameris Bancorp's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
ABCB Long-term Outlook
The combination of a Weak Growth pillar and Weak Risk pillar points to a cautious fundamental outlook for ABCB. Margin pressure from the interest rate environment and regional credit concentration could weigh on near-term performance. The Attractive Valuation pillar suggests the market has already priced in some of these concerns, which may limit downside but also caps near-term upside absent a meaningful improvement in growth or risk metrics.
Growth drivers
- Expansion of SBA and small business lending across the Southeast
- Potential recovery in retail mortgage volumes as rate conditions shift
- Cross-selling deposit and premium finance products to existing commercial clients
Key risks
- Concentrated geographic exposure to southeastern US real estate markets
- Elevated Risk pillar rating reflecting credit and interest rate sensitivity
- Limited competitive moat in a crowded regional banking landscape
ABCB vs Peers
Ameris Bancorp competes with a range of regional and specialty financial institutions, each with a distinct geographic or product focus.
Grupo Aval operates primarily in Colombia and Central America, giving it a very different geographic and currency risk profile compared to Ameris's southeastern US focus.
Hancock Whitney is a Gulf Coast regional bank with a similarly community-oriented model, making it a close peer in terms of business mix and market footprint.
Flagstar has a larger national mortgage and banking platform, giving it broader product reach but also greater exposure to mortgage market volatility than Ameris.
Frequently Asked Questions
What does Ameris Bancorp do?
Ameris Bancorp is the holding company for Ameris Bank, which provides banking, mortgage, SBA lending, warehouse lending, and commercial insurance premium finance services. It operates primarily across Georgia, Alabama, Florida, North Carolina, and South Carolina through more than 165 branch locations.
Does ABCB pay dividends?
Yes, Ameris Bancorp pays a regular dividend. This is consistent with the capital-return practices of established regional bank holding companies. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does ABCB report earnings?
Ameris Bancorp follows a standard quarterly earnings cadence. Exact dates vary each quarter, so check the company's investor relations page or financial news sources for the most current schedule.
Is ABCB a good stock to buy?
UQS Score rates ABCB as Below Average overall. While the Quality pillar is rated Good and Valuation is Attractive, the Moat, Growth, and Risk pillars are all Weak. Whether that profile suits your portfolio depends on your own risk tolerance and investment goals.
Is ABCB overvalued?
The UQS Valuation pillar for ABCB is rated Attractive, suggesting the stock is not considered overvalued relative to its fundamentals. However, an attractive price alone does not offset the concerns reflected in the Weak Moat, Growth, and Risk pillars.
How does ABCB compare to its competitors?
Among its regional banking peers, Ameris Bancorp occupies a mid-size niche with a diversified segment structure that includes mortgage and premium finance alongside traditional banking. Competitors like Hancock Whitney share a similar community banking model, while Flagstar operates at a larger national scale.
What is ABCB's market cap bracket?
Ameris Bancorp is classified as a mid-cap company. This places it above smaller community banks but below the large regional and national bank holding companies that dominate the financial services sector.
Who founded Ameris Bancorp?
Ameris Bancorp was founded in 1971. Detailed founding history, including original leadership, is publicly available through the company's official history and investor relations materials.
Is ABCB a long-term quality investment?
As a long-term quality indicator, ABCB's UQS profile is mixed. The Good Quality pillar and Attractive Valuation are positive signals, but sustained Weak ratings in Moat, Growth, and Risk suggest the bank faces structural challenges that long-term investors should monitor closely.
What is the main competitive advantage of Ameris Bancorp?
Ameris Bank's diversified segment structure — spanning traditional banking, mortgage, SBA lending, and premium finance — provides some revenue diversification relative to single-line community banks. However, the UQS Moat pillar is rated Weak, indicating this advantage has not translated into a durable competitive position.
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Pro Analysis
ABCB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 51.1 | 84.5 | 24.0 | 27.5 | 36.8 | 86.3 | 0.0 |
| May 21, 2026 | 51.1 | 84.5 | 24.0 | 27.5 | 36.8 | 86.0 | -0.2 |
| May 20, 2026 | 51.3 | 84.5 | 24.0 | 27.5 | 36.8 | 87.9 | +0.1 |
| May 19, 2026 | 51.2 | 84.5 | 24.0 | 27.5 | 36.8 | 87.2 | -0.1 |
| May 17, 2026 | 51.3 | 84.5 | 24.0 | 27.5 | 36.8 | 87.6 | 0.0 |
| May 16, 2026 | 51.3 | 84.5 | 24.0 | 27.5 | 36.8 | 87.9 | +0.1 |
| May 15, 2026 | 51.2 | 84.5 | 24.0 | 27.5 | 36.8 | 87.0 | -0.1 |
| May 14, 2026 | 51.3 | 84.5 | 24.0 | 27.5 | 36.8 | 87.4 | +3.0 |
| May 13, 2026 | 48.3 | 73.3 | 24.0 | 27.5 | 36.8 | 86.1 | +0.1 |
| May 12, 2026 | 48.2 | 73.3 | 24.0 | 27.5 | 36.8 | 85.6 | +0.2 |
ABCB — Pillar Breakdown
Quality
— 84.5/100 (25%)Ameris Bancorp demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 27.5/100 (20%)Ameris Bancorp faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.8/100 (15%)Ameris Bancorp has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 87.6/100 (15%)Ameris Bancorp appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)Ameris Bancorp operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ABCB.
Score Composition
Financial Data
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How is the ABCB UQS Score Calculated?
The UQS (Unified Quality Score) for Ameris Bancorp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Ameris Bancorp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Ameris Bancorp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.