ABCB · Ameris Bancorp
Market Cap
$5.74B
Shares
67.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$85.59
Open$85.90
Day$85.17–85.90
52W close$69.41–93.17
Avg vol 30d403K
Short int2.6M · 3.8% float · 8.8d
Short vol78%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 8 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
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+4%
above
Price vs 50-day avg
−4%
below
RSI (14)
39
neutral
MACD trend
Negative
52-week position
68%
mid-range
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+12%
trailing
YTD return
+15%
this year
Relative strength
−1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $89 › 200d $82 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +42 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.85% of float · ▲ +7.0% MoM · 8.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
388 holders — near 3-yr high, broad support
Squeeze score
59
elevated · 0–100
Fundamentals
EPS growth
+16%
Y/Y
Free cash flow
$369.6M
Valuation
P/E 15.5
rich
Buyback
$84.3M
remaining
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
1.7%
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
+4%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
39
Neutral
MACD trend
Negative
Bearish
52-week position
68%
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $89 › 200d $82 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +42 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.85% of float · ▲ +7.0% MoM · 8.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
388 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $69
Now $86 · 68%
Range high $93
vs 200-day avg +4%
vs 50-day avg -4%
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 | — |
| Total production in the retail mortgage division | 1.15B | 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 to loans | 1.62% | Q2 2026 | — |
|
|
|||
| Annualized net charge-off | 0.2% | 2Q26 | — |
| Annualized net charge-off ratio | 0.2% | Q2 2026 | — |
| Average earning assets growth | $544.6M | Q2 2026 | — |
| CET1/Tier 1 Capital Ratio | 12.8% | 2Q26 | — |
| Efficiency ratio | 74.45% | Q2 2026 | — |
|
|
|||
| Loan growth | $349.9M | Q2 2026 | — |
|
|
|||
| 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 | — |
|
|
|||
| Retail mortgage production | $1.15B | Q2 2026 | — |
|
|
|||
| Return on TCE | 6.75% | 2Q26 | — |
|
|
|||
| ROA | 0.73% | Q2 2026 | — |
| ROTCE non-GAAP | 6.75% | Q2 2026 | — |
| Share repurchases | $19M | Q2 2026 | — |
|
|
|||
| Share repurchases (shares) | 226,600 | Q2 2026 | — |
| Tangible book value per share non-GAAP | $45.1 | Q2 2026 | — |
|
|
|||
| Tangible Common Equity to Tangible Assets non-GAAP | 11.04% | 2Q26 | — |
|
|
|||
| ACL on unfunded commitments | $52M | 1Q26 | — |
| Adjusted efficiency ratio (TE) non-GAAP | 49.82% | 1Q26 | — |
|
|
|||
| Adjusted total revenue non-GAAP | 314.36M | Mar 2026 | — |
| Annualized net charge-offs | 0.21% | first quarter of 2026 | — |
| C&D concentration | 46% | 1Q26 | — |
| CRE concentration | 265% | 1Q26 | — |
|
|
|||
| Investor CRE 30-89 DPD ratio | 0.09% | 1Q26 | — |
| Investor CRE allowance coverage | 1.44% | 1Q26 | — |
| Investor CRE criticized ratio | 0.81% | 1Q26 | — |
| Investor CRE NPL ratio | 0.01% | 1Q26 | — |
| Investor CRE total committed exposure | $7.6B | 1Q26 | — |
| Investor Office allowance coverage | 3.16% | 1Q26 | — |
| Investor Office NPL ratio | 0.02% | 1Q26 | — |
| Loan balance growth (annualized) | 5.9% | 1Q26 | — |
| Loan balances increase | $314M | 1Q26 | — |
| Loan production | $2.2B | 1Q26 | — |
| Net charge-off ratio (annualized) | 0.21% | 1Q26 | — |
| Nonperforming assets to total assets | 0.45% | first quarter of 2026 | — |
| NPA / Total Assets | 0.33% | 1Q26 | — |
| NPA excluding GNMA / Total Assets | 0.21% | 1Q26 | — |
| Return on average assets | 1.62% | first quarter of 2026 | — |
| Shares repurchased | 950,400 | first quarter of 2026 | — |
| Adjusted diluted EPS non-GAAP | $5.99 | Twelve Months Ended Dec 2025 | — |
| Adjusted net income non-GAAP | 108.85M | Q4 2025 | — |
GAAP → non-GAAP reconciliationGAAP Net Income $108.36M
+$1.13M Gain on sale of MSR
+$0K Gain on conversion of Visa Class B-1 stock
+$910K Servicing right impairment
-$220K Gain on BOLI proceeds
-$1.14M FDIC special assessment
+$0K Natural disaster expenses
+$0K Loss on bank premises
-$189K Tax effect of adjustment items
+$492K After tax adjustment items
+$0K Tax expense attributable to BOLI restructuring
= Adjusted Net Income $108.85M
|
|||
| Adjusted net income per diluted share non-GAAP | $1.59 | Q4 2025 | — |
| Adjusted noninterest expense non-GAAP | 144.23M | 4Q25 | — |
GAAP → non-GAAP reconciliationGAAP Total noninterest expense $143.09M
+$1.14M FDIC special assessment
+$0K Natural disaster expenses
+$0K Gain on sale of premises
= Adjusted noninterest expense $144.23M
|
|||
| Adjusted total revenue (TE) non-GAAP | 309.92M | 4Q25 | — |
GAAP → non-GAAP reconciliationGAAP Total revenue (TE) $308.11M
+$12K (Gain) loss on securities
+$220K Gain on BOLI proceeds
+$1.13M (Gain) loss on sale of mortgage servicing rights
= Adjusted total revenue (TE) $309.92M
|
|||
| Branch locations | 163 | Dec 2025 | — |
| Deposits per branch location | $137.28M | Dec 2025 | — |
| Earning asset growth | 374M | 4Q25 | — |
| Mortgage gain on sale margin | 2.2% | 4Q25 | — |
| Net charge-off ratio | 18 | Twelve Months Ended Dec 2025 | — |
| Net charge-offs as a percent of average loans (annualized) | 0.26% | Q4 2025 | — |
| Noninterest-Bearing Deposits | 28.7% | 4Q25 | — |
| Nonperforming assets as a percentage of total assets | 0.44% | Three Months Ended Dec 2025 | — |
| TCE Ratio non-GAAP | 11.4% | 4Q25 | — |
| Total Ameris Bancorp FTE headcount | 2,673 | Dec 2025 | — |
| Total deposits increase | 653.5M | FY2025 | — |
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
|
$5.74B | +15.2% | — | 15.5 | 3.8% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 0.1% |
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 | -0.7% | -1.9% | +12.0% | -1.9% | +15.2% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -1.2% | -4.9% | -1.4% | -4.9% | +2.4% |
Capital returns
Latest dividend
$0.20
/ share · ex Jun 30, 2026
Paid (TTM)
$0.80
/ share · 4 payouts
Dividend yield (TTM, derived)
0.93%
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)
310 filings
288 filers
Visit website
Investor relations