Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.19 | 11.49 | 29.31 | 11.96 | 11.68 | 11.90 | 10.11 | 11.33 | 11.42 | 10.83 | 9.54 | 11.20 | 13.82 | 8.27 | 9.40 | 10.51 | 9.99 | 8.34 | 7.73 | 9.38 | 10.53 |
| — | -3.4% | +189.9% | +5.6% | +2.3% | +9.9% | +6.0% | +1.2% | -17.4% | +30.9% | +1.5% | +6.5% | +38.3% | -0.8% | +21.6% | +12.1% | -5.1% | -24.8% | -22.5% | +27.8% | +50.4% | |
| P/S Ratio | 4.39 | 4.23 | 4.75 | 4.20 | 4.13 | 4.12 | 3.82 | 3.58 | 3.85 | 3.91 | 3.00 | 3.24 | 3.61 | 2.52 | 2.21 | 2.45 | 3.10 | 2.89 | 2.63 | 3.04 | 3.93 |
| — | +2.7% | +24.3% | +17.3% | +7.4% | +5.3% | +27.6% | +10.5% | +6.4% | +55.4% | +35.6% | +32.5% | +16.5% | -12.7% | -16.0% | -19.4% | -21.2% | -26.5% | -26.9% | -8.2% | +63.3% | |
| P/B Ratio | 1.38 | 1.29 | 1.48 | 1.30 | 1.25 | 1.25 | 1.14 | 1.04 | 1.15 | 1.17 | 0.97 | 0.96 | 1.07 | 0.79 | 0.72 | 0.78 | 1.02 | 0.99 | 0.91 | 1.02 | 1.17 |
| — | +3.1% | +29.9% | +24.6% | +8.0% | +7.1% | +17.0% | +8.5% | +7.9% | +47.9% | +35.5% | +22.9% | +4.4% | -20.4% | -20.7% | -23.3% | -12.4% | -20.3% | -27.2% | -23.5% | +16.9% | |
| P/FCF | 8.37 | 5.64 | 21.38 | 5.30 | 12.53 | 12.52 | 20.78 | 8.70 | 8.57 | 10.80 | — | 55.12 | 4.42 | 5.17 | 6.72 | 4.94 | — | 2.24 | 2.00 | 2.14 | 3.29 |
| — | -55.0% | +2.9% | -39.1% | +46.2% | +15.9% | — | -84.2% | +93.9% | +108.9% | — | +1016.8% | — | +130.7% | +236.7% | +130.5% | — | — | -16.6% | — | +106.5% | |
| EV / EBITDA | 11.52 | 10.27 | 24.51 | 8.49 | 9.31 | 7.64 | 6.21 | 6.25 | 6.40 | 6.24 | 5.78 | 6.60 | 7.64 | 8.00 | 9.83 | 13.22 | 8.83 | 6.90 | 5.73 | 6.87 | 0.62 |
| — | +34.5% | +294.5% | +35.7% | +45.4% | +22.3% | +7.5% | -5.2% | -16.2% | -22.0% | -41.2% | -50.1% | -13.5% | +15.9% | +71.7% | +92.4% | +1334.3% | -12.1% | -24.5% | +19.6% | -68.6% | |
| EV / EBIT | 11.23 | 10.27 | 27.27 | 8.85 | 9.86 | 8.14 | 6.67 | 6.84 | 7.00 | 6.81 | 6.31 | 7.41 | 8.67 | 8.92 | 11.28 | 15.28 | 9.94 | 7.61 | 6.34 | 7.66 | 0.68 |
| — | +26.2% | +308.9% | +29.3% | +40.8% | +19.6% | +5.8% | -7.7% | -19.2% | -23.7% | -44.1% | -51.5% | -12.8% | +17.3% | +78.0% | +99.3% | +1363.9% | -14.4% | -23.8% | +24.8% | -69.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 94.2% | 96.0% | 94.6% | 100.0% | 92.5% | 92.6% | 99.1% | 92.1% | 95.4% | 97.8% | 93.5% | 91.8% | 90.9% | 90.7% | 83.0% | 80.8% | 87.5% | 93.4% | 94.4% | 97.5% | 98.7% |
| — | +3.7% | -4.5% | +8.6% | -3.1% | -5.3% | +5.9% | +0.3% | +5.0% | +7.8% | +12.7% | +13.6% | +3.9% | -2.9% | -12.1% | -17.2% | -11.4% | -10.3% | -5.6% | -11.6% | -1.8% | |
| Operating Margin | 44.2% | 47.8% | 20.7% | 44.8% | 45.9% | 44.9% | 48.8% | 40.7% | 44.8% | 45.7% | 43.6% | 37.9% | 35.7% | 39.9% | 31.0% | 30.3% | 39.6% | 45.1% | 44.6% | 43.5% | 48.8% |
| — | +6.5% | -57.6% | +9.9% | +2.5% | -1.9% | +12.0% | +7.6% | +25.6% | +14.5% | +40.5% | +24.8% | -10.0% | -11.4% | -30.4% | -30.3% | -18.8% | -6.2% | -4.9% | -26.1% | +6.4% | |
| Net Margin | 34.1% | 36.9% | 16.1% | 35.1% | 35.3% | 34.7% | 37.6% | 31.7% | 33.6% | 36.0% | 31.3% | 28.9% | 26.0% | 30.5% | 23.4% | 23.3% | 31.2% | 34.5% | 34.0% | 32.5% | 37.2% |
| — | +6.2% | -57.1% | +10.8% | +5.1% | -3.7% | +20.1% | +9.8% | +28.9% | +18.3% | +33.6% | +23.8% | -16.5% | -11.6% | -31.1% | -28.2% | -16.2% | -2.8% | -5.4% | -28.1% | +8.4% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.5% | 2.8% | 1.3% | 2.7% | 2.7% | 2.7% | 2.8% | 2.3% | 2.5% | 2.7% | 2.6% | 2.2% | 1.9% | 2.4% | 1.9% | 1.9% | 2.6% | 3.0% | 3.0% | 2.7% | 2.8% |
| — | +5.8% | -55.6% | +16.7% | +5.5% | -2.4% | +10.2% | +8.0% | +30.4% | +13.3% | +34.4% | +14.8% | -25.2% | -19.2% | -35.3% | -31.5% | -6.8% | +5.0% | -6.2% | -40.8% | -22.8% | |
| ROA | 1.5% | 0.4% | 0.2% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.4% | 0.4% | 0.3% | 0.4% |
| — | +3.2% | -56.0% | +19.2% | +10.7% | +5.2% | +18.6% | +14.0% | +38.3% | +20.5% | +44.2% | +23.7% | -23.0% | -20.2% | -36.7% | -31.4% | -4.8% | +6.0% | -6.5% | -42.3% | -24.5% | |
| ROIC | 8.9% | 2.1% | 0.9% | 2.1% | 2.3% | 2.3% | 2.5% | 2.0% | 2.3% | 2.1% | 2.1% | 1.8% | 1.5% | 1.6% | 1.2% | 1.1% | 1.7% | 2.4% | 2.5% | 2.2% | 2.2% |
| — | -8.2% | -62.1% | +5.6% | +0.3% | +7.5% | +15.8% | +14.6% | +46.4% | +31.2% | +84.1% | +63.9% | -9.4% | -31.6% | -52.9% | -51.6% | -22.7% | -1.4% | -4.3% | -40.7% | -20.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.26 | 0.34 | 0.25 | 0.18 | 0.12 | 0.13 | 0.11 | 0.11 | 0.13 | 0.30 | 0.22 | 0.19 | 0.40 | 0.51 | 0.78 | 0.63 | 0.27 | 0.18 | 0.18 | 0.29 |
| — | +120.0% | +160.2% | +133.9% | +61.3% | -9.8% | -56.9% | -51.0% | -39.5% | -67.5% | -40.4% | -71.9% | -70.2% | +46.2% | +181.5% | +321.9% | +113.2% | +42.8% | -8.1% | -9.1% | +38.7% | |
| Debt / EBITDA | 1.30 | 7.07 | 18.85 | 6.97 | 4.97 | 3.22 | 3.33 | 3.31 | 3.08 | 3.48 | 7.81 | 6.96 | 6.24 | 11.44 | 17.50 | 27.87 | 17.03 | 6.40 | 4.24 | 4.54 | 7.35 |
| — | +119.3% | +466.1% | +110.3% | +61.6% | -7.4% | -57.4% | -52.4% | -50.7% | -69.6% | -55.4% | -75.0% | -63.4% | +78.9% | +313.0% | +513.5% | +131.5% | +44.2% | -3.8% | +41.2% | +85.4% | |
| Current Ratio | 0.62 | — | 0.19 | 0.08 | 0.62 | 0.14 | 0.11 | 0.11 | 0.13 | 0.13 | 0.13 | 0.13 | 0.12 | 0.08 | 0.09 | 0.09 | 0.13 | 0.08 | 0.07 | 0.04 | 0.24 |
| — | — | +78.6% | -32.3% | +368.5% | +11.6% | -20.0% | -8.3% | +7.3% | +58.3% | +58.1% | +41.1% | -7.7% | +3.3% | +20.2% | +107.5% | -42.9% | +59.7% | +25.0% | -29.6% | +29.9% | |
| Quick Ratio | 0.62 | — | 0.19 | 0.08 | 0.62 | 0.14 | 0.11 | 0.11 | 0.13 | 0.13 | 0.13 | 0.13 | 0.12 | 0.08 | 0.09 | 0.09 | 0.13 | 0.08 | 0.07 | 0.04 | 0.24 |
| — | — | +78.6% | -32.3% | +368.5% | +11.6% | -20.0% | -8.3% | +7.3% | +58.3% | +58.1% | +41.1% | -7.7% | +3.3% | +20.2% | +107.5% | -42.9% | +59.7% | +25.0% | -29.6% | +29.9% | |
| Interest Coverage | 1.17 | 1.29 | 0.58 | 1.31 | 1.25 | 1.17 | 1.23 | 1.01 | 1.01 | 0.89 | 0.93 | 0.76 | 0.72 | 0.86 | 0.74 | 0.93 | 2.11 | 5.68 | 10.54 | 10.10 | 9.32 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ABCB stock.
Ameris Bancorp's current P/E is 14.2x. The average P/E over the last 4 quarters is 16.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Ameris Bancorp's current operating margin is 44.2%. 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.