Ameris Bancorp (ABCB) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
11.95
↑+77% vs avg
5yr avg: 6.75
30Y Low0.5·High16.7
P/FCF
↑
15.93
+17% vs avg
5yr avg: 13.57
30Y Low3.1·High31.7
P/B Ratio
↑
1.45
↑+28% vs avg
5yr avg: 1.13
30Y Low0.5·High2.3
ROE
↓
10.5%
-1% vs avg
5yr avg: 10.7%
30Y Low-19%·High15%
Debt/EBITDA
↓
1.39
↓-26% vs avg
5yr avg: 1.87
30Y Low0.8·High9.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ABCB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Ameris Bancorp trades at 14.4x earnings, 27% above its 5-year average of 11.3x, sitting at the 56th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 9%. On a free-cash-flow basis, the stock trades at 15.9x P/FCF, 17% above the 5-year average of 13.6x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $5.9B | $5.1B | $4.3B | $3.7B | $3.3B | $3.5B | $2.6B | $2.5B | $1.4B | $1.8B | $1.5B |
| Enterprise Value | $6.4B | $5.6B | $3.5B | $3.1B | $4.2B | $293M | $1.1B | $3.4B | $976M | $1.8B | $1.9B |
| P/E Ratio → | 14.38 | 12.38 | 12.06 | 13.64 | 9.45 | 9.20 | 10.10 | 15.47 | 11.31 | 24.34 | 20.96 |
| P/S Ratio | 3.54 | 3.06 | 2.65 | 2.46 | 2.87 | 3.34 | 2.30 | 3.04 | 2.60 | 4.53 | 4.47 |
| P/B Ratio | 1.45 | 1.25 | 1.15 | 1.07 | 1.02 | 1.17 | 1.00 | 1.01 | 0.94 | 2.23 | 2.34 |
| P/FCF | 15.93 | 13.80 | 30.72 | 6.65 | 3.12 | — | 3.39 | — | — | — | — |
| P/OCF | 15.10 | 13.08 | 28.04 | 6.44 | 3.08 | 379.18 | 3.31 | — | — | — | — |
P/E links to full P/E history page with 30-year chart
ABCB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Ameris Bancorp's enterprise value stands at 12.0x EBITDA, 77% above its 5-year average of 6.8x. This is roughly in line with the Financial Services sector median of 11.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.36 | 2.16 | 2.11 | 3.64 | 0.28 | 0.96 | 4.20 | 1.85 | 4.62 | 5.74 |
| EV / EBITDA | 11.95 | 10.48 | 6.75 | 7.79 | 8.21 | 0.54 | 2.80 | 13.62 | 5.71 | 13.29 | 16.32 |
| EV / EBIT | 11.95 | 10.48 | 7.41 | 8.79 | 9.18 | 0.59 | 3.25 | 16.27 | 6.44 | 14.70 | 18.48 |
| EV / FCF | — | 15.13 | 25.07 | 5.69 | 3.96 | — | 1.42 | — | — | — | — |
ABCB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Ameris Bancorp earns an operating margin of 32.0%, above the Financial Services sector average of 21.6%. Operating margins have expanded from 24.0% to 32.0% over the past 3 years, signaling improving operational efficiency. ROE of 10.5% is modest. ROIC of 8.9% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.3% | 68.3% | 64.0% | 60.5% | 85.6% | 98.8% | 79.6% | 81.6% | 83.6% | 89.2% | 93.0% |
| Operating Margin | 32.0% | 32.0% | 29.1% | 24.0% | 39.7% | 47.8% | 29.7% | 25.8% | 28.7% | 31.4% | 31.1% |
| Net Profit Margin | 24.7% | 24.7% | 22.0% | 18.1% | 30.4% | 36.3% | 22.8% | 19.7% | 22.9% | 18.6% | 21.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.5% | 10.5% | 10.0% | 8.1% | 11.2% | 13.4% | 10.2% | 8.2% | 10.7% | 10.1% | 12.4% |
| ROA | 1.5% | 1.5% | 1.4% | 1.1% | 1.4% | 1.7% | 1.4% | 1.1% | 1.3% | 1.0% | 1.2% |
| ROIC | 8.9% | 8.9% | 8.7% | 5.8% | 7.5% | 10.6% | 7.1% | 5.5% | 7.9% | 7.6% | 8.0% |
| ROCE | 3.4% | 3.4% | 10.5% | 7.1% | 9.3% | 13.0% | 8.9% | 7.2% | 10.4% | 10.3% | 11.4% |
ABCB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Ameris Bancorp carries a Debt/EBITDA ratio of 1.4x, which is manageable (66% below the sector average of 4.1x). Net debt stands at $489M ($743M total debt minus $254M cash). Interest coverage of just 1.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.11 | 0.19 | 0.63 | 0.29 | 0.21 | 0.63 | 0.18 | 0.46 | 0.97 |
| Debt / EBITDA | 1.39 | 1.39 | 0.81 | 1.59 | 3.95 | 1.60 | 1.42 | 6.12 | 1.53 | 2.67 | 5.29 |
| Net Debt / Equity | — | 0.12 | -0.21 | -0.15 | 0.28 | -1.07 | -0.58 | 0.38 | -0.27 | 0.04 | 0.67 |
| Net Debt / EBITDA | 0.92 | 0.92 | -1.52 | -1.31 | 1.75 | -5.83 | -3.89 | 3.76 | -2.30 | 0.26 | 3.62 |
| Debt / FCF | — | 1.32 | -5.66 | -0.96 | 0.84 | — | -1.97 | — | — | — | — |
| Interest Coverage | 1.17 | 1.17 | 0.90 | 0.80 | 4.88 | 10.38 | 3.83 | 1.61 | 2.17 | 3.63 | 5.34 |
ABCB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.62x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.12x to 0.62x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.62 | 0.62 | 0.13 | 0.12 | 0.13 | 0.24 | 0.18 | 0.14 | 0.19 | 0.17 | 0.18 |
| Quick Ratio | 0.62 | 0.62 | 0.13 | 0.12 | 0.13 | 0.24 | 0.18 | 0.14 | 0.19 | 0.17 | 0.18 |
| Cash Ratio | 0.47 | 0.47 | 0.06 | 0.06 | 0.06 | 0.21 | 0.12 | 0.04 | 0.07 | 0.05 | 0.04 |
| Asset Turnover | — | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.06 | 0.04 | 0.05 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ABCB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Ameris Bancorp returns 2.3% to shareholders annually — split between a 0.9% dividend yield and 1.4% buyback yield. The payout ratio of 13.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.9% | 1.1% | 1.0% | 1.1% | 1.3% | 1.2% | 1.6% | 1.0% | 1.2% | 0.8% | 0.6% |
| Payout Ratio | 13.4% | 13.4% | 11.6% | 15.5% | 12.0% | 11.1% | 15.9% | 15.3% | 13.6% | 19.9% | 11.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.0% | 8.1% | 8.3% | 7.3% | 10.6% | 10.9% | 9.9% | 6.5% | 8.8% | 4.1% | 4.8% |
| FCF Yield | 6.3% | 7.2% | 3.3% | 15.0% | 32.1% | — | 29.5% | — | — | — | — |
| Buyback Yield | 1.4% | 1.6% | 0.2% | 0.6% | 0.7% | 0.3% | 0.3% | 0.7% | 0.2% | 0.0% | 0.1% |
| Total Shareholder Yield | 2.3% | 2.7% | 1.1% | 1.7% | 2.0% | 1.5% | 1.9% | 1.7% | 1.3% | 0.9% | 0.6% |
| Shares Outstanding | — | $69M | $69M | $69M | $69M | $70M | $69M | $59M | $43M | $37M | $35M |
Peer Comparison
Compare ABCB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ABCBYou | $6B | 14.4 | 12.0 | 15.9 | 68.3% | 32.0% | 10.5% | 8.9% | 1.4 |
 SFNC | $3B | -7.2 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 HOMB | $5B | 13.4 | 10.1 | 12.5 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 HOPE | $2B | 27.2 | 17.2 | 10.6 | 48.6% | 8.3% | 2.6% | 2.3% | 4.7 |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 IBCP | $699M | 10.4 | 9.4 | 10.0 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 20.8 | 14.2 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 BANR | $2B | 11.6 | 9.5 | 9.0 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 CVBF | $3B | 13.5 | 13.0 | 12.8 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BOKF | $10B | 16.4 | 17.2 | 7.2 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 WSFS | $4B | 14.2 | 6.8 | 17.8 | 74.7% | 28.0% | 10.8% | 9.5% | 0.7 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
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Start ComparisonABCB — Frequently Asked Questions
Quick answers to the most common questions about buying ABCB stock.
What is Ameris Bancorp's P/E ratio?
Ameris Bancorp's current P/E ratio is 14.4x. The historical average is 15.6x. This places it at the 56th percentile of its historical range.
What is Ameris Bancorp's EV/EBITDA?
Ameris Bancorp's current EV/EBITDA is 12.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.5x.
What is Ameris Bancorp's ROE?
Ameris Bancorp's return on equity (ROE) is 10.5%. The historical average is 8.4%.
Is ABCB stock overvalued?
Based on historical data, Ameris Bancorp is trading at a P/E of 14.4x. This is at the 56th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Ameris Bancorp's dividend yield?
Ameris Bancorp's current dividend yield is 0.93% with a payout ratio of 13.4%.
What are Ameris Bancorp's profit margins?
Ameris Bancorp has 68.3% gross margin and 32.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Ameris Bancorp have?
Ameris Bancorp's Debt/EBITDA ratio is 1.4x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.