ABCB · Ameris Bancorp
$86.75
-1.45 (-1.64%)
At close · Aug 19
Market Cap
$5.92B
Shares
67.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$86.75
Open$88.41
Day$86.56–88.66
52W close$69.09–93.17
Avg vol 30d423K
Short int2.4M · 3.6% float · 4.2d
Short vol74%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+6%
above
Price vs 50-day avg
−2%
below
RSI (14)
41
neutral
MACD trend
Negative
52-week position
73%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+5%
trailing
YTD return
+17%
this year
Relative strength
−6%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $89 › 200d $82 — 50d above 200d
Institutional flow
Accumulating
+0% holders QoQ · +42 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
3.60% of float · ▼ -12.2% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
386 holders — near 3-yr high, broad support
Squeeze score
47
elevated · 0–100
Fundamentals
EPS growth
+16%
Y/Y
Free cash flow
$369.6M
Valuation
P/E 16
rich
Buyback
$84.3M
remaining
Balance sheet
$193.2M
net cash
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Net interest margin
· the next few quarters
5% – 10%
Prior guidance
period ended
· from the Earnings Call filed Mar 31, 2024
Efficiency ratio
· remainder of the year
up to 55%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+6%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
41
Neutral
MACD trend
Negative
Bearish
52-week position
73%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $89 › 200d $82 — 50d above 200d
Institutional flow
Accumulating
+0% holders QoQ · +42 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
3.60% of float · ▼ -12.2% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
386 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $69
Now $87 · 73%
Range high $93
vs 200-day avg +6%
vs 50-day avg -2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Effective tax rate | 22.1% | the three months ended June 30, 2026 filing | — |
| Gain on sale spread | 2.04% | the second quarter of 2026 filing | — |
| Net charge-offs as a percentage of average loans | 0.2% | the second quarter of 2026 filing | — |
| ACL on loans | 359.5M | 2Q26 | — |
| Adjusted efficiency ratio non-GAAP | 50.42% | Q2 2026 | — |
| Adjusted revenue growth non-GAAP | 4.4% | 2Q26 | — |
| Adjusted ROA non-GAAP | 1.53% | Q2 2026 | — |
| Adjusted ROTCE non-GAAP | 14.08% | Q2 2026 | — |
| Allowance for Credit Losses on loans | 1.62% | 2Q26 | — |
| Allowance for credit losses on loans to loans | 1.62% | Q2 2026 | — |
| Annualized net charge-off ratio | 0.2% | Q2 2026 | — |
| Average earning assets | 544.6M | 2Q26 | — |
| Average earning assets growth | $544.6M | Q2 2026 | — |
| CET1/Tier 1 Capital Ratio | 12.8% | 2Q26 | — |
| Efficiency ratio | 74.45% | Q2 2026 | — |
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| Loan growth | $349.9M | Q2 2026 | — |
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| Net charge-offs | 0.2% | 2Q26 | — |
| Net interest margin | 3.88% | 2Q26 | — |
| Net interest margin (TE) | 3.88% | Q2 2026 | — |
| Noninterest-bearing deposit mix | 30% | Q2 2026 | — |
| Retail mortgage open pipeline | $609.3M | Q2 2026 | — |
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| Retail mortgage production | $1.15B | Q2 2026 | — |
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| Return on TCE | 6.75% | 2Q26 | — |
| ROA | 0.73% | Q2 2026 | — |
| ROTCE non-GAAP | 6.75% | Q2 2026 | — |
| Share repurchases | $19M | Q2 2026 | — |
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| Share repurchases (shares) | 226,600 | Q2 2026 | — |
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| Tangible book value per share non-GAAP | $45.1 | Q2 2026 | — |
| Tangible Common Equity to Tangible Assets non-GAAP | 11.04% | 2Q26 | — |
| Allowance for loan losses to loans | 1.62% | Q1 2026 | — |
| Earning asset growth | $607.8M | Q1 2026 | — |
| Net charge-offs to average total loans | 0.21% | Q1 2026 | — |
| Total deposits increase | $260.7M | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ABCB
this stock
Ameris Bancorp
|
$5.92B | +16.8% | — | 16.0 | 3.6% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ABCB | -2.1% | -3.5% | +5.1% | -0.5% | +16.8% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.6% | -6.4% | -6.5% | -3.5% | +4.0% |
Capital returns
Latest dividend
$0.20
/ share · ex Jun 30, 2026
Paid (TTM)
$0.80
/ share · 4 payouts
Dividend yield (TTM, derived)
0.92%
Buyback program
· as of Mar 31, 2026
Authorized
$200.00M
Spent (derived)
$115.70M
Remaining
$84.30M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
351569
CUSIP
03076K108
13F (30d)
360 filings
339 filers
Visit website
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