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ABCB · Ameris Bancorp

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$89.77 +0.38 (+0.43%) At close · Aug 14
Market Cap
$6.02B
Shares
67.11M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$89.77 Open$89.27 Day$88.53–90.13 52W close$69.09–93.17 Avg vol 30d426K Short int2.4M · 3.6% float · 4.2d Short vol64% Last earningsJul 24, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 7

Up next

Next earnings call
Oct 23, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 7, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      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 advice
      Overall
      Strong Buy
      SellHoldBuy
      Technical Strong Buy Momentum Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very Low
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Strong Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +10%
      above
      Price vs 50-day avg +1%
      above
      RSI (14) 55
      neutral
      MACD trend Positive
      52-week position 86%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Strong
      1-month return −3%
      trailing
      6-month return +13%
      trailing
      YTD return +21%
      this year
      Relative strength −1%
      vs S&P · 6-mo
      Sentiment
      smart money
      Neutral
      Trend (MA cross) No cross
      50d $89 › 200d $82 — 50d above 200d
      Institutional flow Distributing
      -0% holders QoQ · +41 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
      384 holders — near 3-yr high, broad support
      Squeeze score 53
      elevated · 0–100
      Fundamentals
      Excellent
      EPS growth +16%
      Y/Y
      Free cash flow $369.6M
      Valuation P/E 16.2
      rich
      Buyback $84.3M
      remaining
      Balance sheet $193.2M
      net cash
      Quant / Vol
      risk profile
      Very Low
      Volatility 23%
      annualized · 1-yr
      Max drawdown −14%
      past year
      ATR 1.8%
      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 Strong Buy
      0 · 3 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +10% Bullish
      Price vs 50-day avg
      +1% Bullish
      RSI (14)
      55 Neutral
      MACD trend
      Positive Bullish
      52-week position
      86% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $89 › 200d $82 — 50d above 200d
      Institutional flow Distributing
      -0% holders QoQ · +41 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
      384 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $69 Now $90 · 86% Range high $93
      vs 200-day avg +10% vs 50-day avg +1%

      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 —
      Net charge-offs 11.1M the second quarter of 2026 filing —
      Net charge-offs as a percentage of average loans 0.2% the second quarter of 2026 filing —
      Adjusted efficiency ratio non-GAAP 50.42% the second quarter of 2026 —
      Adjusted ROA non-GAAP 1.53% the second quarter of 2026 —
      Adjusted ROTCE non-GAAP 14.08% the second quarter of 2026 —
      Allowance for credit losses on loans as a percentage of loans 1.62% as of June 30, 2026 —
      Gain on sale spreads 2.04% the second quarter of 2026 —
      Net interest margin (TE) 3.88% the second quarter of 2026 —
      Noninterest-bearing deposit accounts percentage of total deposits 30% as of June 30, 2026 —
      Nonperforming assets as a percentage of total assets 0.47% the second quarter of 2026 —
      Tangible common equity as a percentage of tangible assets non-GAAP 11.04% as of June 30, 2026 —
      Total production in the retail mortgage division 1.15B the second quarter of 2026 —
      Efficiency ratio 49.97% Q1 2026 —
      Net charge-offs to average total loans 0.21% Q1 2026 —
      Retail mortgage production $1.09B Q1 2026 —
      Share repurchases $74.9M 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
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      ABCB
      Ameris Bancorp
      this stock
      		$6.02B +20.9% — 16.2 3.6%
      MFG
      Mizuho Financial Group Inc
      		 $132.42B +48.5% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $120.05B -36.0% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $108.39B -0.2% — — 0.5%
      PNC
      Pnc Financial Services Group, Inc.
      		 $102.52B +23.1% +7.2% 14.1 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 section
      Ownership
      Institutional Holders Accumulating
      Holders
      384
      % held
      99.2%
      Net QoQ
      +2.7M sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      415
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      2.4M
      Days to cover
      4.2d
      Change
      -335.2K sh
      View
      Short Volume
      Short vol %
      64%
      As of
      Aug 14, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      290
      Value
      $26.0K
      As of
      Jul 14, 2026
      View
      Off-Exchange
      Off-exchange %
      38.6%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Congressional Trades Sell
      Member
      Gilbert Cisneros
      Amount
      $1.0K–$15.0K
      Traded
      Jan 5, 2026
      View
      Financials
      Financials
      Net income (FY)
      $412.2M
      EPS diluted
      $6.00
      View
      Buybacks
      Authorized
      $200.0M
      Remaining
      $84.3M
      Spent Remaining
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 7, 2026
      This year
      11
      View
      Proposed Sales
      Value
      $117.9K
      Shares
      1.8K
      Filed
      Jul 24, 2025
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 24, 2026
      View
      Investor Relations
      Latest news
      Ameris Bank Strengthens South Car…
      Published
      Aug 4, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      ABCB +2.3% -2.8% +12.6% +2.9% +20.9%
      SPY +0.4% +4.5% +13.8% +3.9% +13.9%
      vs SPY +1.9% -7.2% -1.2% -1.0% +7.0%

      Capital returns

      Latest dividend
      $0.20 / share · ex Jun 30, 2026
      Raised 33.3%
      Paid (TTM)
      $0.80 / share · 4 payouts
      Dividend yield (TTM, derived)
      0.89%
      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) 367 filings 349 filers Visit website Investor relations

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