Ameris Bancorp Common Stock (ABCB)

FairStock Score: 59/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Graham-and-Buffett-style investor, I see Ameris Bancorp as a solid but not exceptional regional bank holding company. It earned $412.2 million, or $6.00 per diluted share, in FY2025, up from $358.7 million and $5.19 in FY2024 and $269.1 million and $3.89 in FY2023. That is real progress and fits the FairStock 'Stalwart' label: steady profit growth of about 9.5% a year over five years. But the latest filed quarter is troubling: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $51.4 million and diluted EPS was $0.77, versus $109.8 million and $1.60 in fiscal Q2 2025. That is a sharp drop, and it makes the annual trend look backward-looking. At the 2026-10-13 close of $78.92, FairStock calculates a P/E of 14.27, P/B of 1.29, PEG of 0.96, ROE of 9.40%, and Piotroski F-Score of 5/9. The price is not demanding if earnings recover, but a 9.4% ROE and 1.29 times book are not a classic bargain. Regional banks have limited moats; competition is fierce. I cannot properly judge credit risk because CET1, NIM, combined ratio, charge-offs, reserves and loan/deposit data are not provided. The dividend yield is only 1.01%, so income is not the attraction. Overall, the records show past growth, but the latest quarter demands caution. I would want evidence that the Q2 2026 decline is temporary before calling this a compelling value.

In plain English: Ameris Bancorp is a bank holding company that runs a regional bank and offers checking, savings, loans, and mortgage services. The business has grown profits over the past few years, but its latest reported quarter was much weaker than the same quarter a year earlier. The stock price looks reasonable compared with the company's profits and accounting value, though not clearly cheap.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer