Ameris Bancorp has demonstrated consistent earnings execution — beating estimates in each of the last four quarters at an average positive surprise of approximately 7.3%, supported by 37% net margins and a Piotroski F-Score of 8/9 — but with the stock within 2.4% of its 52-week high, only about 0.4% of headroom to the near-term target, and a legal risk event flagged in recent news, the setup favors holding existing positions rather than adding new exposure.
Thesis pillars
- Perfect Earnings Beat Streak→Stable
- Best In Class Margins Quality→Stable
- Technical Breakout Momentum→Stable
- +1 more pillar — see the Why tab for full reasoning
Ameris Bancorp (ABCB) Stock Analysis
Breakout setup · Catalyst-Driven edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $90.12, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.5% away).
Ameris Bancorp operates Ameris Bank, a full-service commercial bank with 163 offices in Georgia, Alabama, Florida, North Carolina, and South Carolina, holding $27.52 billion in total assets at December 31, 2025. Net interest income comprised 77.6% of 2025 revenue, with... Read more
Hold if already holding. Not a fresh buy at $90.12, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.5% away). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 20d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
About Ameris Bancorp
About Ameris Bancorp
Ameris Bancorp held $27.52 billion in total assets and $22.38 billion in total deposits at December 31, 2025, operating through 163 full-service banking offices in Georgia, Alabama, Florida, North Carolina, and South Carolina. Net interest income comprised 77.6% of the company's 2025 revenue, with the $22.14 billion loan portfolio representing 80.5% of total assets. Ameris Bank holds a Georgia state charter supervised primarily by the FDIC.
The company earns revenue primarily through the spread between interest earned on loans and interest paid on deposits and borrowings. Commercial real estate loans represent the largest loan segment, followed by residential mortgage originations—most sold in the secondary market—commercial and industrial credits, consumer loans, and agricultural credits. National lending channels include equipment finance, insurance premium finance loans made to borrowers throughout the United States, and SBA-guaranteed credits. Fee income from mortgage banking supplements net interest income but is sensitive to rate movements: rising rates reduce origination volume, while falling rates accelerate prepayments. Core deposits from individuals and businesses in the southeastern markets provide primary funding, supplemented by selectively used brokered deposits and FHLB advances. Competition for loans and deposits comes from other commercial banks, thrift institutions, internet banks, credit unions, and FinTech firms.
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Funding stability poses a material risk for Ameris: 47.7% of deposits were uninsured at December 31, 2025, a level that could expose the company to outflows if confidence deteriorated—as occurred industry-wide in spring 2023, when failures at peer institutions prompted customers to move funds toward systemically important banks. The 10-K notes growing competition from FinTech firms, stablecoins, and internet banks as long-run pressures on deposit retention, compounding the structural vulnerability of short-duration deposit liabilities funding long-duration loan assets. The FDIC and Georgia Department of Banking and Finance each retain authority to restrict deposit rate-setting and brokered-deposit access.
See also: Financial Services · Banks - Regional
From Ameris Bancorp's most recent 10-K filing, extracted June 9, 2026.
Recent developments
updated 2026-07-06Recent Developments — Ameris Bancorp
Latest news
- NEWS Ameris (ABCB) Deep Dive | Q4 2025: EPS Misses Views - Collaborative Trading Signals - Xã Vĩnh Công — Xã Vĩnh Công negative
- NEWS Unlocking Q1 Potential of Ameris Bancorp (ABCB): Exploring Wall Street Estimates for Key Metrics - Yahoo Finance — Yahoo Finance positive
- NEWS Ameris Bancorp Earnings: What To Look For From ABCB - StockStory — StockStory neutral
- NEWS Ameris Bancorp Earnings: What To Look For From ABCB - Yahoo Finance — Yahoo Finance neutral
- NEWS Ameris Bancorp Earnings: What To Look For From ABCB - FinancialContent — FinancialContent neutral
Generated 2026-07-06T04:40:26Z.
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Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $90.12, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (2.5% away). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Maintain position. Not compelling to add more. Target $90.59 (+0.5%), stop $85.94 (−4.9%), A.R:R -1.2:1. Score 6.1/10, moderate confidence.
Take-profit target: $90.59 (+0.5% upside). Target $90.59 (+0.5%), stop $85.94 (−4.9%), A.R:R -1.2:1. Stop-loss: $85.94.
Analyst target reached - limited upside remaining; Near 52-week high (2.5% away).
Ameris Bancorp trades at a P/E of 14.2 (forward 12.6). TrendMatrix value score: 7.6/10. Verdict: Hold.
13 analysts cover ABCB with a consensus score of 3.9/5. Average price target: $94.
What does Ameris Bancorp do?Ameris Bancorp operates Ameris Bank, a full-service commercial bank with 163 offices in Georgia, Alabama, Florida,...
Ameris Bancorp operates Ameris Bank, a full-service commercial bank with 163 offices in Georgia, Alabama, Florida, North Carolina, and South Carolina, holding $27.52 billion in total assets at December 31, 2025. Net interest income comprised 77.6% of 2025 revenue, with commercial real estate the largest loan segment in a $22.14 billion portfolio.