AMERIS BANCORP (ABCB)
Financials · Regional community banking · NYSE
A regional bank holding company operating 163 community banking offices across Georgia, Alabama, Florida, North Carolina, and South Carolina, serving retail and commercial customers with traditional banking, lending, and mortgage services.
What AMERIS BANCORP does
Ameris Bancorp is a financial holding company whose principal subsidiary is Ameris Bank, a community bank headquartered in Atlanta, Georgia. The company operates 163 full-service banking offices primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina, providing a full range of traditional banking and lending products, treasury and cash management services, insurance premium financing, and mortgage and refinancing services. The bank serves retail and commercial customers through a decentralized structure emphasizing personalized service, broad customer relationships, and low-cost core deposits. At December 31, 2025, the company had approximately $27.5 billion in total assets, $22.1 billion in loans, and $22.4 billion in deposits.
Themes: ["Community banking","Commercial real estate lending","Residential mortgage origination","Regional bank consolidation","Southeast expansion"]
Fundamentals
- Price$89.76 as of 2026-07-09 close
- Market cap$6.0B as of 2026-07-10
- 1-year return+33.4% as of 2026-07-09 close
- P/E13.86 as of 2026-07-10
- Net margin+26.2% as of 2026-07-10
- ROE+10.8% as of 2026-07-10
- Debt / equity0.04 as of 2026-07-10
- Revenue growth (YoY)+53.0% as of 2026-07-10
- Beta0.94 as of 2026-07-10
Dividend: yield +0.9%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration risk in Southeast regional markets (Georgia, Alabama, Florida, North Carolina, South Carolina) exposes the company to localized economic downturns and competitive pressures","Net interest margin compression and deposit interest rate competition as interest rates remain elevated, impacting profitability from core banking operations","Credit risk exposure in commercial real estate portfolio, which represents the largest segment of loan portfolio and is sensitive to economic cycles and real estate market deterioration"]
Competitors & peers
- Renasant Bancorp
- ServisFirst Bancshares
- Truxton Trust
- Cadence Bancorporation
- Synovus Financial Corp
- CenterState Bankshares
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.