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Ameris Bancorp (ABCB) Stock Analysis

Breakout setup

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $85.28, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: uninsured deposits (47.7%); Concentration risk — Loan Portfolio: commercial real estate loans.

Ameris Bancorp is a financial holding company operating through Ameris Bank with 163 full-service banking offices primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. At December 31, 2025, total assets were $27.52 billion, total loans $22.14 billion, and... Read more

$85.28+8.8% A.UpsideScore 6.2/10#40 of 142 Banks - Regional
Entry $77.88(support + ATR)Stop $74.70Target $84.71(resistance)A.R:R -0.5:1Setup A.R:R 2.1:1
Analyst target$93.50+9.6%7 analysts
$84.71our TP
$85.28price
$93.50mean
$98

Hold if already holding. Not a fresh buy at $85.28, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: uninsured deposits (47.7%); Concentration risk — Loan Portfolio: commercial real estate loans. Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Downgraded from BUY WAIT — price $85.29 has reached target $84.71. No upside to wait for. Score 6.2/10, moderate confidence.

Passes 5/7 gates (positive momentum, clean insider activity, news boost analyst 0.70, earnings proximity 88d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Val7.7Qual5.4Grw6.7Mom6.2Sent6.7Ins5.0Peer5.1Tech4.4Risk7.16.2OVERALL

Thesis

Rewards
Strong earnings beat streak (4/4)
Positive news sentiment (+0.60)
Attractive valuation
Risks
Concentration risk — Loan Portfolio: uninsured deposits (47.7%)
Concentration risk — Loan Portfolio: commercial real estate loans
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)13.3
P/E (Fwd)11.8
Mkt Cap$5.7B
EV/EBITDA—
Profit Mgn37.1%
ROE11.0%
Rev Growth12.8%
Beta0.94
Dividend0.95%
Rating analysts13

Quality Signals

Piotroski F7/9

Options Flow

P/C0.50bullish
IV50%normal

Concentration Risks(10-K Item 1A)

  • HIGHloan_portfoliouninsured deposits48%
    10-K Item 1A: 'As of December 31, 2025, approximately 47.7% of our deposits were uninsured, and we rely on these deposits for liquidity'
  • HIGHloan_portfoliocommercial real estate loans
    10-K Item 1: 'Commercial real estate loans...represents the largest segment of our loan portfolio'

Material Events(8-K, last 90d)

  • 2026-02-24Item 5.02LOW
    James A. LaHaise, Corporate EVP and Chief Strategy Officer, retiring effective April 30, 2026. Entered Retirement Agreement February 19, 2026. No disagreement cited; transition services provided post-retirement.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.5=NEGATIVEExecutive change: officer departure/appointmentMomentum 6.2>=5.5Insider activity: OKNEWS BOOST ANALYST 0.70EARNINGS PROXIMITY 88d clearSEMI CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
62 · Neutral
↑ 20D MA↑ 50D MA↑ 200D MAGOLDEN CROSSSupport $77.01Resistance $86.44

Price Targets

$75
$78
$85
A.Upside-0.7%
A.R:R-0.5:1
Setup A.R:R (at entry)2.1:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-4.6% upside)
! NEWS_MOD=+2: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-27 (88d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is ABCB stock a buy right now?

Hold if already holding. Not a fresh buy at $85.28, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: uninsured deposits (47.7%); Concentration risk — Loan Portfolio: commercial real estate loans. Chart setup: Golden cross, above all MAs, RSI 62, MACD bullish. Downgraded from BUY WAIT — price $85.29 has reached target $84.71. No upside to wait for. Target $84.71 (-0.7%), stop $74.70 (−14.2%), A.R:R -0.5:1. Score 6.2/10, moderate confidence.

What is the ABCB stock price target?

Take-profit target: $84.71 (+8.8% upside). Target $84.71 (-0.7%), stop $74.70 (−14.2%), A.R:R -0.5:1. Stop-loss: $74.70.

What are the risks of investing in ABCB?

Concentration risk — Loan Portfolio: uninsured deposits (47.7%); Concentration risk — Loan Portfolio: commercial real estate loans; Analyst target reached - limited upside remaining.

Is ABCB overvalued or undervalued?

Ameris Bancorp trades at a P/E of 13.3 (forward 11.8). TrendMatrix value score: 7.7/10. Verdict: Hold.

What do analysts say about ABCB?

13 analysts cover ABCB with a consensus score of 3.9/5. Average price target: $94.

What does Ameris Bancorp do?Ameris Bancorp is a financial holding company operating through Ameris Bank with 163 full-service banking offices...

Ameris Bancorp is a financial holding company operating through Ameris Bank with 163 full-service banking offices primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. At December 31, 2025, total assets were $27.52 billion, total loans $22.14 billion, and total deposits $22.38 billion.

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