Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Ameris Bancorp's quarterly P/E stands at 11.7x, up 2.3% year-over-year. EV/EBITDA has expanded 25.7% YoY to 8.0x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.38 | 11.68 | 11.90 | 10.11 | 11.33 | 11.42 | 10.83 | 9.54 | 11.20 | 13.82 | 8.27 | 9.40 | 10.51 |
| — | +2.3% | +9.9% | +6.0% | +1.2% | -17.4% | +30.9% | +1.5% | +6.5% | +38.3% | -0.8% | +21.6% | +12.1% | |
| P/S Ratio | 3.54 | 3.02 | 2.98 | 2.74 | 2.55 | 2.67 | 2.59 | 2.04 | 2.17 | 2.41 | 1.72 | 1.56 | 1.85 |
| — | +13.4% | +15.1% | +34.0% | +17.9% | +10.5% | +50.8% | +31.3% | +17.2% | -7.6% | -35.8% | -38.4% | -36.6% | |
| P/B Ratio | 1.45 | 1.25 | 1.25 | 1.14 | 1.04 | 1.15 | 1.17 | 0.97 | 0.96 | 1.07 | 0.79 | 0.72 | 0.78 |
| — | +8.0% | +7.1% | +17.0% | +8.5% | +7.9% | +47.9% | +35.5% | +22.9% | +4.4% | -20.4% | -20.7% | -23.3% | |
| P/FCF | 15.93 | 12.53 | 12.52 | 20.78 | 8.70 | 8.57 | 10.80 | — | 55.12 | 4.42 | 5.17 | 6.72 | 4.94 |
| — | +46.2% | +15.9% | — | -84.2% | +93.9% | +108.9% | — | +1016.8% | — | +130.7% | +236.7% | +130.5% | |
| EV / EBITDA | 11.95 | 8.05 | 7.64 | 6.21 | 6.25 | 6.40 | 6.24 | 5.78 | 6.60 | 7.64 | 8.00 | 9.83 | 13.22 |
| — | +25.7% | +22.3% | +7.5% | -5.2% | -16.2% | -22.0% | -41.2% | -50.1% | -13.5% | +15.9% | +71.7% | +92.4% | |
| EV / EBIT | 11.95 | 9.86 | 8.14 | 6.67 | 6.84 | 7.00 | 6.81 | 6.31 | 7.41 | 8.67 | 8.92 | 11.28 | 15.28 |
| — | +40.8% | +19.6% | +5.8% | -7.7% | -19.2% | -23.7% | -44.1% | -51.5% | -12.8% | +17.3% | +78.0% | +99.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Ameris Bancorp's operating margin was 33.6% in Q4 2025, up 1.2 pp QoQ and up 2.5 pp YoY. The trailing four-quarter average of 32.5% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.3% | 67.7% | 66.9% | 70.9% | 65.6% | 66.1% | 64.6% | 63.8% | 61.3% | 60.7% | 61.8% | 58.4% | 61.0% |
| — | +2.3% | +3.5% | +11.3% | +7.0% | +9.0% | +4.6% | +9.2% | +0.5% | -17.6% | -28.6% | -35.5% | -34.8% | |
| Operating Margin | 32.0% | 33.6% | 32.4% | 35.0% | 29.0% | 31.1% | 30.2% | 29.7% | 25.3% | 23.8% | 27.2% | 21.9% | 22.9% |
| — | +8.2% | +7.3% | +17.6% | +14.8% | +30.4% | +11.1% | +36.1% | +10.4% | -28.6% | -34.8% | -48.9% | -45.1% | |
| Net Margin | 24.7% | 25.8% | 25.1% | 26.9% | 22.6% | 23.3% | 23.8% | 21.3% | 19.3% | 17.4% | 20.8% | 16.5% | 17.6% |
| — | +10.9% | +5.3% | +26.1% | +17.2% | +33.8% | +14.8% | +29.4% | +9.5% | -33.8% | -35.0% | -49.4% | -43.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.5% | 2.7% | 2.7% | 2.8% | 2.3% | 2.5% | 2.7% | 2.6% | 2.2% | 1.9% | 2.4% | 1.9% | 1.9% |
| — | +5.5% | -2.4% | +10.2% | +8.0% | +30.4% | +13.3% | +34.4% | +14.8% | -25.2% | -19.2% | -35.3% | -31.5% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.3% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% |
| — | +10.7% | +5.2% | +18.6% | +14.0% | +38.3% | +20.5% | +44.2% | +23.7% | -23.0% | -20.2% | -36.7% | -31.4% | |
| ROIC | 8.9% | 2.3% | 2.3% | 2.5% | 2.0% | 2.3% | 2.1% | 2.1% | 1.8% | 1.5% | 1.6% | 1.2% | 1.1% |
| — | +0.3% | +7.5% | +15.8% | +14.6% | +46.4% | +31.2% | +84.1% | +63.9% | -9.4% | -31.6% | -52.9% | -51.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Ameris Bancorp's Debt/EBITDA ratio is 4.3x, up from 3.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 368.5% YoY to 0.62x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.12 | 0.13 | 0.11 | 0.11 | 0.13 | 0.30 | 0.22 | 0.19 | 0.40 | 0.51 | 0.78 |
| — | +61.3% | -9.8% | -56.9% | -51.0% | -39.5% | -67.5% | -40.4% | -71.9% | -70.2% | +46.2% | +181.5% | +321.9% | |
| Debt / EBITDA | 1.39 | 4.30 | 3.22 | 3.33 | 3.31 | 3.08 | 3.48 | 7.81 | 6.96 | 6.24 | 11.44 | 17.50 | 27.87 |
| — | +39.7% | -7.4% | -57.4% | -52.4% | -50.7% | -69.6% | -55.4% | -75.0% | -63.4% | +78.9% | +313.0% | +513.5% | |
| Current Ratio | 0.62 | 0.62 | 0.14 | 0.11 | 0.11 | 0.13 | 0.13 | 0.13 | 0.13 | 0.12 | 0.08 | 0.09 | 0.09 |
| — | +368.5% | +11.6% | -20.0% | -8.3% | +7.3% | +58.3% | +58.1% | +41.1% | -7.7% | +3.3% | +20.2% | +107.5% | |
| Quick Ratio | 0.62 | 0.62 | 0.14 | 0.11 | 0.11 | 0.13 | 0.13 | 0.13 | 0.13 | 0.12 | 0.08 | 0.09 | 0.09 |
| — | +368.5% | +11.6% | -20.0% | -8.3% | +7.3% | +58.3% | +58.1% | +41.1% | -7.7% | +3.3% | +20.2% | +107.5% | |
| Interest Coverage | 1.17 | 1.25 | 1.17 | 1.23 | 1.01 | 1.01 | 0.89 | 0.93 | 0.76 | 0.72 | 0.86 | 0.74 | 0.93 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Ameris Bancorp's current P/E is 14.4x. The average P/E over the last 4 quarters is 11.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Ameris Bancorp's current operating margin is 32.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Ameris Bancorp's business trajectory between earnings reports.