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/ABCB
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Ameris Bancorp

Ameris Bancorp

ABCB
$92.31USD↓-0.92%-0.86 today

MARKET CAP

6.2B

P/E (TTM)

14.6x

FWD P/E

13.2x

DAY RANGE

$91 – $93

52W RANGE

$65
$93

AI Summary

Stalk
StalkMedium

ABCB remains in a Stage 2 advance underpinned by higher highs and rising EMAs. While the medium-term bias is firmly bullish, current price is extended above the 9 and 20 EMA with extreme overbought RSI and Options Score, signaling limited upside on the immediate bar. We will stalk for shallow pullbacks into the rising EMAs for structural acceptance before committing.

  • ↑Q1 net income $110.5M ($1.63/share); ROA above 1.62%; ROTCE 14.75%
  • ↑Annualized loan growth +5.9%; deposit growth +4.7%; loan pipeline $2.8B
  • ↓Rising deposit costs likely to compress net interest margins
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Ameris Bancorp (NASDAQ: ABCB) is a regional bank based in the southeastern United States that provides a wide range of financial services, including commercial and personal banking, mortgages, and treasury management. The bank is strategically focused on organic growth and efficient capital management to enhance profitability, while also managing deposit dynamics to strengthen its balance sheet amid evolving market conditions. Ameris Bancorp is part of the broader banking sector, prominently positioned to leverage ongoing economic opportunities in the region.

Bull says

  • ↑Q1 net income $110.5M ($1.63/share); ROA above 1.62%; ROTCE 14.75%
  • ↑Annualized loan growth +5.9%; deposit growth +4.7%; loan pipeline $2.8B
  • ↑$75M share buybacks (~1.4% outstanding) while preserving strong capital ratios
  • ↑Non-interest-bearing deposits rising; efficiency ratio improved to 49.97
  • ↑High earnings yield; strong book-to-price; solid momentum; positive liquidity
  • ↑Southeastern economic recovery supports loan demand amid favorable macro conditions

Bear says

  • ↓Rising deposit costs likely to compress net interest margins
  • ↓Negative earnings revisions indicate analysts lowering forecasts
  • ↓High short interest reflects investor skepticism over share performance
  • ↓Potential regulatory capital changes may restrict operational flexibility
  • ↓Non-interest income declined, highlighting revenue concentration risk
  • ↓Low dividend yield factor; size factor suggests underperformance risk

Investment themes with ABCB

Regional Banks↑ +0.50%

FLG · TCBI · ZION

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-24-2026neutral

Transcript signals

Bull points

  • we reported net income of $110.5 million or $1.63 per diluted share in the first quarter.
  • Our return on assets was 1.62%. Our PPNR ROA was 2.3%. And our return on tangible common equity was 14.75% for the quarter.
  • Our tangible book value increased to $44.79, and that's about 12.5% higher than a year ago.

Bear points

  • we do anticipate we could have some slight margin compression over the next few quarters, and that's really due to pressure on the deposit costs as we fund our balance sheet growth.
  • We believe the margin could decline a few basis points per quarter, probably 5 to 10 total basis points lower over the next few quarters.
  • we do anticipate we could have some slight margin compression over the next few quarters, and that's really due to pressure on the deposit costs as we fund our balance sheet growth.
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