ABCB
Ameris Bancorp
Financial Services · Banks - Regional · NYQ
$84.96
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$5.7B
Trailing P/E
13.36
Forward P/E
11.86
Rev Growth
+12.8%
Profit Margin
37.1%
ROE
11.0%
Analyst Target
$92.00
Recommendation
NONE
About Ameris Bancorp

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including home improvement and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans; equipment finance loans; and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 71.5
Score Quality: 72.2
Score Combined: 56.4

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality76.1
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 54.1 · Rank: #1014
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$5.4B
Price/Book
1.39
Beta
0.939
Analysts
7
Total Revenue (TTM)
$1.2B
Total Debt
$1.0B
Earnings Growth
+28.3%
Dividend Yield
94.0%
Short Ratio
4.62
Short % Float
0.1%
Employees
2,642

Elite Intelligence

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Trade Consideration
The Opportunity
Score 56.4 (P88 — top 11.5% of scored tickers). Unknown Moat. Ethical FAIL. 7 analysts at None.
Price: $84.96 | Target: $93.86 (+10%)
Score
56
Moat
Unknown
Conviction
Standard
Upside
+10%
The Fundamentals
Revenue Growth+12.8%
Profit Margin37.1%
ROE11.0%
Forward P/E11.9
Market Cap$5.7B
Position Sizing Scenarios
Stop: $72.22 (-15%) | Entry: $84.96
SharesCostProfit to TargetR:R
To Consensus ($93.86, 7 analysts)
10$849.60+$89.00 (10%)0.7R
50$4,248.00+$445.00 (10%)0.7R
100$8,496.00+$890.00 (10%)0.7R
Risk Factors
  • Elevated short interest (4.62 days to cover)
The Verdict
Ameris Bancorp holds a unknown competitive moat.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
56.3
Risk Grade
LOW_RISK
Layers
7
Quality: HIGH_SORTINO
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.5%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.1%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.52
above 1.0 is good
Max Drawdown
-29.5%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
75
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
LOWER_HALF
Beta
Relative Volume
1.9x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

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Inverse Correlated
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Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Wednesday
Worst Day
Thursday
Best Month
Jul
Worst Month
Dec
Fri-Mon Effect
-0.07719908046424476
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
-1.2%
3M Return
+2.8%
6M Return
+14.6%
12M Return
+36.5%
Momentum Rank
#1790
Momentum Signal
UP

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