Ameris Bancorp (ABCB) Key Metrics
ABCB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $5.35B
- Enterprise value
- $5.52B
- P/E (TTM)
- 14.4 10-yr median 12.2
- Forward P/E
- 13.0
- PEG ratio
- 1.10
- Price / sales
- 4.5 10-yr median 3.0
- Price / book
- 1.3 10-yr median 1.0
- EV / EBITDA
- — 10-yr median 6.4
- Dividend yield
- 1.00% $0.80 a year
- Beta
- 0.97
ABCB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsABCB valuation Price multiples at each fiscal year-end price.
ABCB returns How much profit the business earns on the capital it uses.
ABCB per-share figures Results divided by the shares outstanding at year-end.
ABCB financial health Debt, liquidity and how easily interest is covered.
ABCB efficiency & capital use Working capital cycle and where the cash goes.
ABCB valuation history
ABCB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
ABCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
ABCB cash returned to shareholders
ABCB price vs earnings per share
ABCB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $5.10B | $4.32B | $3.67B | $3.27B | $3.47B | $2.64B | $2.49B | $1.37B | $1.79B | $1.51B |
| Enterprise value | $5.59B | $1.86B | $1.74B | $2.66B | $3.49B | $2.03B | $2.40B | −$167.1M | $1.19B | $1.11B |
| P/E ratio | 12.4 | 12.1 | 13.6 | 9.4 | 9.2 | 10.1 | 15.4 | 11.3 | 24.3 | 21.0 |
| Price / sales | 3.1 | 2.6 | 2.5 | 2.9 | 3.3 | 2.3 | 3.0 | 2.6 | 4.5 | 4.5 |
| Price / book | 1.3 | 1.2 | 1.1 | 1.0 | 0.2 | 0.1 | 0.1 | 0.9 | 2.2 | 2.3 |
| Price / free cash flow | 13.8 | 30.7 | 6.6 | 3.1 | — | 3.4 | — | — | — | — |
| Price / operating cash flow | 13.1 | 28.0 | 6.4 | 3.1 | 379.2 | 3.3 | — | — | — | — |
| EV / sales | 3.4 | 1.1 | 1.2 | 2.3 | 3.4 | 1.8 | 2.9 | -0.3 | 3.0 | 3.3 |
| EV / EBITDA | 9.8 | 3.6 | 4.3 | 5.2 | 6.4 | 5.1 | 9.5 | — | 8.7 | 9.3 |
| EV / free cash flow | 15.1 | 13.2 | 3.1 | 2.5 | — | 2.6 | — | — | — | — |
| Earnings yield | 8.1% | 8.3% | 7.3% | 10.6% | 10.9% | 9.9% | 6.5% | 8.8% | 4.1% | 4.8% |
| Free cash flow yield | 7.2% | 3.3% | 15.0% | 32.1% | −0.5% | 29.5% | −38.2% | −8.7% | −3.7% | −5.3% |
| Dividend yield | 1.1% | 1.0% | 1.1% | 1.3% | 1.2% | 1.6% | 1.0% | 1.2% | 0.8% | 0.6% |
| Shareholder yield (dividends + buybacks) | 2.7% | 1.1% | 1.7% | 2.0% | 1.5% | 1.9% | 1.7% | 1.3% | 0.9% | 0.6% |
| Share price at fiscal year-end | $74.27 | $62.57 | $53.05 | $47.14 | $49.68 | $38.07 | $42.54 | $31.67 | $48.20 | $43.60 |
| Per share | ||||||||||
| Revenue per share | $24.24 | $23.63 | $21.53 | $16.44 | $14.89 | $16.52 | $13.98 | $12.20 | $10.64 | $9.76 |
| Earnings per share | $6.00 | $5.19 | $3.89 | $4.99 | $5.40 | $3.77 | $2.75 | $2.80 | $1.98 | $2.08 |
| Operating cash flow per share | $5.68 | $2.23 | $8.23 | $15.30 | $0.13 | $11.50 | −$16.04 | −$2.52 | −$1.68 | −$2.01 |
| Free cash flow per share | $5.38 | $2.04 | $7.98 | $15.11 | −$0.23 | $11.24 | −$16.24 | −$2.75 | −$1.79 | −$2.33 |
| Cash per share | $3.69 | $41.85 | $37.19 | $37.72 | $12.29 | $17.09 | $28.15 | $42.72 | $30.73 | $29.43 |
| Book value per share | $59.33 | $54.29 | $49.59 | $46.06 | $329.58 | $286.48 | $285.19 | $33.67 | $21.66 | $18.63 |
| Tangible book value per share | $43.75 | $38.57 | $33.62 | $29.90 | $313.26 | $272.08 | $267.74 | $20.68 | $17.92 | $14.51 |
| Dividends per share | $0.80 | $0.60 | $0.60 | $0.60 | $0.60 | $0.60 | $0.42 | $0.38 | $0.39 | $0.25 |
| Capex per share | $0.30 | $0.20 | $0.25 | $0.20 | $0.36 | $0.26 | $0.20 | $0.23 | $0.10 | $0.32 |
| Debt per share | $10.81 | $6.14 | $9.26 | $28.87 | $12.67 | $8.27 | $26.52 | $7.19 | $14.58 | $17.73 |
| Shares outstanding | 68.7M | 69.1M | 69.1M | 69.4M | 69.8M | 69.4M | 58.6M | 43.2M | 37.1M | 34.7M |
| Change in shares outstanding | −0.6% | −0.0% | −0.5% | −0.5% | +0.5% | +18.4% | +35.5% | +16.4% | +7.0% | +8.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 10.5% | 10.0% | 8.1% | 2.6% | 1.8% | 1.4% | 1.8% | 10.7% | 10.1% | 12.4% |
| Return on invested capital (ROIC) | 14.1% | 25.8% | 13.2% | 2.7% | 1.8% | 1.5% | 2.0% | — | 33.0% | — |
| Return on assets (ROA) | 1.5% | 1.4% | 1.1% | 1.4% | 1.7% | 1.4% | 1.1% | 1.3% | 1.0% | 1.2% |
| Return on tangible assets | 1.6% | 1.4% | 1.1% | 1.4% | 1.7% | 1.3% | 0.9% | 1.1% | 1.0% | 1.1% |
| Free cash flow margin | 22.2% | 8.6% | 37.1% | 91.9% | −1.6% | 68.0% | −116.1% | −22.5% | −16.8% | −23.8% |
| Income quality (OCF / net income) | 0.95 | 0.43 | 2.11 | 3.07 | 0.02 | 3.05 | −5.82 | −0.90 | −0.85 | −0.97 |
| Financial health | ||||||||||
| Total debt | $743.0M | $424.1M | $639.9M | $2.00B | $884.1M | $574.3M | $1.55B | $311.0M | $541.7M | $615.4M |
| Cash & short-term investments | $253.8M | $2.89B | $2.57B | $2.62B | $857.4M | $1.19B | $1.65B | $1.85B | $1.14B | $1.02B |
| Net debt | $489.2M | −$2.47B | −$1.93B | −$614.1M | $26.7M | −$612.2M | −$95.3M | −$1.54B | −$599.8M | −$405.7M |
| Debt / equity | 0.18 | 0.11 | 0.19 | 0.63 | 0.04 | 0.03 | 0.09 | 0.21 | 0.67 | 0.95 |
| Debt / assets | 0.03 | 0.02 | 0.03 | 0.08 | 0.04 | 0.03 | 0.09 | 0.03 | 0.07 | 0.09 |
| Net debt / EBITDA | 0.85 | −4.72 | −4.79 | −1.21 | 0.05 | −1.55 | −0.38 | −8.99 | −4.36 | −3.41 |
| Current ratio | 0.62 | 0.13 | 0.12 | 0.13 | 0.09 | 0.07 | 0.11 | 136.13 | 1.02 | 148.67 |
| Quick ratio | 0.62 | 0.13 | 0.12 | 0.13 | 0.09 | 0.07 | 0.11 | 135.89 | 1.02 | 148.06 |
| Interest coverage | 1.2 | 0.9 | 0.8 | 4.9 | 10.4 | 3.8 | 1.6 | 2.2 | 3.6 | 5.3 |
| Working capital | −$201.4M | −$18.83B | −$18.14B | −$16.84B | −$8.40B | −$15.44B | −$12.98B | $9.46B | $158.2M | $5.74B |
| Invested capital | $4.57B | $1.28B | $1.50B | $2.58B | $23.02B | $19.28B | $16.62B | −$80.4M | $204.7M | $240.7M |
| Tangible asset value | $3.01B | $2.67B | $2.32B | $2.08B | $21.85B | $18.89B | $15.69B | $894.2M | $665.5M | $503.5M |
| Net current asset value | −$23.11B | −$19.62B | −$19.21B | −$19.24B | −$8.8M | $637.0M | $123.6M | −$458.1M | −$305.4M | −$469.9M |
| Graham number | $89.48 | $79.63 | $65.92 | $71.93 | $200.17 | $155.96 | $132.94 | $46.05 | $31.06 | $29.51 |
| Graham net-net per share | −$336.59 | −$283.93 | −$277.94 | −$277.11 | −$0.10 | $163.55 | $2.28 | −$40.90 | −$37.32 | −$50.50 |
| Capital allocation | ||||||||||
| Dividends paid | $55.3M | $41.5M | $41.6M | $41.6M | $41.8M | $41.7M | $24.7M | $16.4M | $14.7M | $8.6M |
| Share buybacks (net) | $82.9M | $8.0M | $20.3M | $22.4M | $9.4M | $8.0M | $18.4M | $2.1M | $886,000 | $1.2M |
| Dividend payout ratio | 13.4% | 11.6% | 15.5% | 12.0% | 11.1% | 15.9% | 15.3% | 13.6% | 19.9% | 11.9% |
| Dividends + buybacks / free cash flow | 37.4% | 35.1% | 11.2% | 6.1% | — | 6.4% | — | — | — | — |
| Capex / revenue | 1.2% | 0.8% | 1.2% | 1.2% | 2.5% | 1.6% | 1.4% | 1.9% | 1.0% | 3.2% |
| Capex / operating cash flow | 5.3% | 8.7% | 3.1% | 1.3% | 278.4% | 2.3% | — | — | — | — |
| Capex / depreciation | 0.53 | 0.29 | 0.38 | 0.27 | 0.53 | 0.33 | 0.28 | 0.51 | 0.29 | 0.79 |
| Stock-based compensation / revenue | 0.8% | 0.8% | 0.7% | 0.6% | 0.8% | 0.3% | 0.4% | 1.2% | 0.8% | 0.7% |
| SG&A / revenue | 23.6% | 23.0% | 24.1% | 29.8% | 33.9% | 33.3% | 28.5% | 30.0% | 32.4% | 33.9% |
| Efficiency | ||||||||||
| Days sales outstanding | 17.5 | — | — | — | — | 4,544.7 | — | 5,015.7 | 4,909.5 | 2,489.5 |
| Days of inventory on hand | — | — | — | 5.3 | 239.8 | 24.9 | 43.8 | 72.1 | 175.2 | 452.0 |
| Days payables outstanding | — | — | — | 43,394.8 | 538,145.4 | 24,152.2 | 28,618.2 | 34,297.7 | 52,286.8 | 80,216.0 |
| Cash conversion cycle (days) | — | — | — | — | — | -19,582.5 | — | -29,209.8 | -47,202.0 | -77,274.5 |
| Receivables turnover | 20.82 | — | — | — | — | 0.08 | — | 0.07 | 0.07 | 0.15 |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.02 | 0.01 | 0.01 | 0.01 | 0.00 |
| Inventory turnover | — | — | — | 69.48 | 1.52 | 14.67 | 8.33 | 5.06 | 2.08 | 0.81 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 |
| Average receivables | $80.0M | — | — | — | — | $14.28B | — | $7.25B | $5.32B | $2.31B |
| Average payables | — | — | — | $19.56B | $18.31B | $15.49B | $11.84B | $8.14B | $6.10B | $5.23B |
| Average inventory | — | — | — | $2.4M | $8.2M | $16.0M | $18.1M | $17.1M | $20.4M | $29.5M |
| Intangibles / total assets | 3.9% | 4.1% | 4.4% | 4.5% | 4.8% | 4.9% | 5.6% | 4.9% | 1.8% | 2.1% |
Computed from ABCB's annual financial statements (latest annual report filed February 26, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
ABCB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Ameris Bancorp traded at 12.4 times earnings, against a 10-year median of 12.2. Based on the latest twelve months, the trailing P/E is 14.4 and the forward P/E is 13.0. Ameris Bancorp earned a return on equity of 10.5% and a return on invested capital of 14.1% in fiscal 2025. It ended the year with $743.0 million of debt and $253.8 million in cash and short-term investments, net debt of $489.2 million. It returned $138.1 million to shareholders: $55.3 million in dividends and $82.9 million in share buybacks, 37% of free cash flow. The share count rose 98.0% from 34.7M to 68.7M over 9 years.
See the ABCB income statement, the ABCB chart for price history, or the ABCB stock overview for the latest quote and news.
ABCB key metrics FAQ
What is Ameris Bancorp's P/E ratio?
Ameris Bancorp's trailing P/E ratio is 14.4 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 13.0. At the end of fiscal 2025 it was 12.4, compared with a 10-year median of 12.2.
What is Ameris Bancorp's EV/EBITDA?
Ameris Bancorp's enterprise value was 9.8 times EBITDA at the end of fiscal 2025 (enterprise value $5.6 billion, EBITDA $572.2 million).
What is Ameris Bancorp's return on equity?
Ameris Bancorp's return on equity (ROE) was 10.5% in fiscal 2025: net income of $412.2 million on average shareholders' equity of $3.9 billion.
What is Ameris Bancorp's ROIC?
Ameris Bancorp's return on invested capital was 14.1% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Ameris Bancorp have?
Ameris Bancorp had total debt of $743.0 million at the end of fiscal 2025, a debt-to-equity ratio of 0.18 and $489.2 million of net debt (0.85 times EBITDA).
What is Ameris Bancorp's dividend yield?
Ameris Bancorp's forward dividend yield is 1.00%. Ameris Bancorp paid $55.3 million in dividends in fiscal 2025 ($0.80 per share), a payout ratio of 13.4%.
Does Ameris Bancorp buy back its shares?
Yes. Ameris Bancorp spent $82.9 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.6% over the year, to 68.7M..
What is Ameris Bancorp's free cash flow yield?
Ameris Bancorp generated $369.6 million of free cash flow in fiscal 2025, a free cash flow yield of 7.2% on its market value at year-end ($5.1 billion).
What is Ameris Bancorp's current ratio?
Ameris Bancorp's current ratio was 0.62 at the end of fiscal 2025: current assets were 0.62 times current liabilities.