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ABCBAmeris BancorpHold5.9·$88.23-0.81%
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Ameris Bancorp (ABCB) Stock Analysis

Breakout setup

HoldAI GATE: FLAGGED — 1 riskModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $88.23, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% 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

$88.230.0% A.UpsideScore 5.9/10#75 of 142 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield0.90%(5y avg 1.22%)Payout12.58%sustainable
Stop $84.89Target $88.20(resistance)A.R:R -1.1:1
Analyst target$93.86+6.4%7 analysts
$88.20our TP
$88.23price
$93.86mean
$100

Hold if already holding. Not a fresh buy at $88.23, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% away). Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Score 5.9/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 42d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and news legal. Suitability: moderate.

10-K grounded · weekly refresh

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.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-15
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Jul 27, 202642d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Positive momentum
Risks
Analyst target reached - limited upside remaining
Near 52-week high (1.1% away)

Key Metrics

P/E (TTM)14.0
P/E (Fwd)12.4
Mkt Cap$6.0B
EV/EBITDA
Profit Mgn37.1%
ROE11.0%
Rev Growth12.8%
Beta0.93
Dividend0.90%
Rating analysts13

Quality Signals

Piotroski F8/9

Options Flow

P/C0.40bullish
IV82%elevated
Max Pain$70-20.7% vs spot

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

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Negative sentiment — recent news tone and/or analyst downgrades drag the composite below neutral.static

Llm Sentiment
0.5
Analyst Rating
5.0
Price Target
5.9
LLM news sentiment: -0.90 (n=1)
GatesA.R:R -1.1=NEGATIVENEWS LEGALMomentum 7.0>=5.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 42d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Moderate
RSI
60 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $81.99Resistance $90.00

Price Targets

$85
$88
A.Upside-0.0%
A.R:R-1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-7.5% upside)
! Negative risk/reward — downside exceeds upside
! NEWS:LEGAL

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-27 (42d)

Verdict History

reverse chrono — latest first
Loading history...
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 $88.23, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (1.1% away). Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Target $88.20 (-0.0%), stop $84.89 (−3.9%), A.R:R -1.1:1. Score 5.9/10, moderate confidence.

What is the ABCB stock price target?

Take-profit target: $88.20 (0.0% upside). Target $88.20 (-0.0%), stop $84.89 (−3.9%), A.R:R -1.1:1. Stop-loss: $84.89.

What are the risks of investing in ABCB?

Analyst target reached - limited upside remaining; Near 52-week high (1.1% away).

Is ABCB overvalued or undervalued?

Ameris Bancorp trades at a P/E of 14.0 (forward 12.4). TrendMatrix value score: 7.6/10. 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 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.

Related stocks: CUBI (Customers Bancorp, Inc) · IFS (Intercorp Financial Services In) · SSB (SouthState Bank Corporation) · GABC (German American Bancorp, Inc.) · INTR (Inter & Co. Inc.)
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