Evaluating Ameris Bancorp (ABCB) Valuation Following Revenue Surplus and Positive Growth Projections for the Southeast
Quarterly Performance: Ameris Bancorp (ABCB) reported quarterly results exceeding Wall Street's revenue expectations, with a 10% year-on-year sales increase and a strong long-term growth outlook for its Southeast operations.
Stock Valuation and Growth Potential: The stock has shown a 25.5% year-to-date return and a total shareholder return of about 117% over five years, raising questions about whether it is undervalued or if future growth is already priced in.
Analyst Projections: Analysts predict an annual revenue growth of 8.8% over the next three years, with a fair value estimate of $82.14, indicating that the stock is currently 6.8% undervalued based on future earnings assumptions.
Risks and Market Position: Potential risks include slowing growth in the Southeast and increased competition affecting profit margins, while the stock trades at a higher price-to-earnings ratio compared to peers, suggesting less margin for error in achieving growth expectations.
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Ameris Bancorp Reports Record Earnings in Q4 2025
- Record Earnings: Ameris Bancorp achieved record earnings exceeding $412 million in 2025, with diluted EPS hitting $6 for the first time, reflecting a 15% year-over-year increase driven by strong organic growth, which solidifies its market position.
- Optimized Capital Management: The company paid off all subordinated debt in 2025 and repurchased nearly 1% of its stock in Q4, totaling $77 million at an average price below $67, demonstrating confidence in its value and effective capital allocation.
- Robust Asset Quality: Despite over $500 million in commercial real estate (CRE) payoffs in Q4, Ameris Bancorp's loan assets grew nearly 5%, maintaining healthy asset quality with an allowance of 1.62% of loans, showcasing its strong risk management strategy.
- Positive Outlook: Management anticipates mid-single-digit growth in loans and deposits going forward, focusing on organic growth and selective hiring despite deposit cost pressures, ensuring sustained profitability and competitive positioning.
Ameris Bancorp (ABCB) Q4 2025 Earnings Transcript
Ameris Bancorp Declares $0.20 Dividend Per Share Payable January 5, 2026
- Dividend Declaration: Ameris Bancorp's board has declared a dividend of $0.20 per share, payable on January 5, 2026, which aims to reward shareholders and enhance investor confidence in the company's financial stability.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of December 31, 2025, ensuring that eligible investors benefit from this return, thereby strengthening the relationship between the company and its shareholders.
- Asset Management Scale: As of September 30, 2025, Ameris Bancorp manages total assets of $27.1 billion, reflecting its robust growth and solid market position within the financial services sector.
- Business Coverage: Ameris Bancorp operates financial centers in five southeastern states and serves consumer and business customers nationwide through select lending channels, showcasing its extensive market penetration and diversified product offerings.
Evaluating Ameris Bancorp (ABCB) Valuation Following Revenue Surplus and Positive Growth Projections for the Southeast
Quarterly Performance: Ameris Bancorp (ABCB) reported quarterly results exceeding Wall Street's revenue expectations, with a 10% year-on-year sales increase and a strong long-term growth outlook for its Southeast operations.
Stock Valuation and Growth Potential: The stock has shown a 25.5% year-to-date return and a total shareholder return of about 117% over five years, raising questions about whether it is undervalued or if future growth is already priced in.
Analyst Projections: Analysts predict an annual revenue growth of 8.8% over the next three years, with a fair value estimate of $82.14, indicating that the stock is currently 6.8% undervalued based on future earnings assumptions.
Risks and Market Position: Potential risks include slowing growth in the Southeast and increased competition affecting profit margins, while the stock trades at a higher price-to-earnings ratio compared to peers, suggesting less margin for error in achieving growth expectations.
DA Davidson Initiates Coverage on Ameris with a Buy Rating and Increases Price Target to $87
Real-time Intelligence: Benzinga Pro offers traders the fastest news alerts to stay updated on market movements.
Exclusive Content: Subscribers gain access to unique stories and insights generated by Benzinga reporters.
Community of Traders: Over 10,000 serious traders are part of the Benzinga Pro community, enhancing their trading strategies.
Market Winning Tools: The platform provides essential tools and information that help traders succeed in the stock market.
Ameris Bank Allocates $3.75 Million for Affordable Housing Grants
Funding for Affordable Housing: Ameris Bank is distributing three grants of $1,250,000 each to support the construction of over 170 affordable rental units in Georgia and Florida, funded by the Federal Home Loan Bank of Atlanta.
Details of Housing Projects: The projects include Cardinal Pointe in Orlando (120 units), Building a Better Tomorrow in St. Augustine (40 units), and Halcyon Home in Thomasville (11 units), each sponsored by local organizations.
Impact on Communities: Ameris Bank President Lawton Bassett emphasized the importance of these grants in addressing the affordable housing challenge and positively impacting the lives of many individuals in the communities served.
About Ameris Bank: Ameris Bank, a subsidiary of Ameris Bancorp, is a state-chartered bank based in Atlanta, Georgia, managing $27.1 billion in assets and offering a range of banking and lending services across five southeastern states.
Ameris Bancorp Reports Record Earnings in Q4 2025
- Record Earnings: Ameris Bancorp achieved record earnings exceeding $412 million in 2025, with diluted EPS hitting $6 for the first time, reflecting a 15% year-over-year increase driven by strong organic growth, which solidifies its market position.
- Optimized Capital Management: The company paid off all subordinated debt in 2025 and repurchased nearly 1% of its stock in Q4, totaling $77 million at an average price below $67, demonstrating confidence in its value and effective capital allocation.
- Robust Asset Quality: Despite over $500 million in commercial real estate (CRE) payoffs in Q4, Ameris Bancorp's loan assets grew nearly 5%, maintaining healthy asset quality with an allowance of 1.62% of loans, showcasing its strong risk management strategy.
- Positive Outlook: Management anticipates mid-single-digit growth in loans and deposits going forward, focusing on organic growth and selective hiring despite deposit cost pressures, ensuring sustained profitability and competitive positioning.
Ameris Bancorp (ABCB) Q4 2025 Earnings Transcript
Ameris Bancorp Declares $0.20 Dividend Per Share Payable January 5, 2026
- Dividend Declaration: Ameris Bancorp's board has declared a dividend of $0.20 per share, payable on January 5, 2026, which aims to reward shareholders and enhance investor confidence in the company's financial stability.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of December 31, 2025, ensuring that eligible investors benefit from this return, thereby strengthening the relationship between the company and its shareholders.
- Asset Management Scale: As of September 30, 2025, Ameris Bancorp manages total assets of $27.1 billion, reflecting its robust growth and solid market position within the financial services sector.
- Business Coverage: Ameris Bancorp operates financial centers in five southeastern states and serves consumer and business customers nationwide through select lending channels, showcasing its extensive market penetration and diversified product offerings.
Evaluating Ameris Bancorp (ABCB) Valuation Following Revenue Surplus and Positive Growth Projections for the Southeast
Quarterly Performance: Ameris Bancorp (ABCB) reported quarterly results exceeding Wall Street's revenue expectations, with a 10% year-on-year sales increase and a strong long-term growth outlook for its Southeast operations.
Stock Valuation and Growth Potential: The stock has shown a 25.5% year-to-date return and a total shareholder return of about 117% over five years, raising questions about whether it is undervalued or if future growth is already priced in.
Analyst Projections: Analysts predict an annual revenue growth of 8.8% over the next three years, with a fair value estimate of $82.14, indicating that the stock is currently 6.8% undervalued based on future earnings assumptions.
Risks and Market Position: Potential risks include slowing growth in the Southeast and increased competition affecting profit margins, while the stock trades at a higher price-to-earnings ratio compared to peers, suggesting less margin for error in achieving growth expectations.
DA Davidson Initiates Coverage on Ameris with a Buy Rating and Increases Price Target to $87
Real-time Intelligence: Benzinga Pro offers traders the fastest news alerts to stay updated on market movements.
Exclusive Content: Subscribers gain access to unique stories and insights generated by Benzinga reporters.
Community of Traders: Over 10,000 serious traders are part of the Benzinga Pro community, enhancing their trading strategies.
Market Winning Tools: The platform provides essential tools and information that help traders succeed in the stock market.
Ameris Bank Allocates $3.75 Million for Affordable Housing Grants
Funding for Affordable Housing: Ameris Bank is distributing three grants of $1,250,000 each to support the construction of over 170 affordable rental units in Georgia and Florida, funded by the Federal Home Loan Bank of Atlanta.
Details of Housing Projects: The projects include Cardinal Pointe in Orlando (120 units), Building a Better Tomorrow in St. Augustine (40 units), and Halcyon Home in Thomasville (11 units), each sponsored by local organizations.
Impact on Communities: Ameris Bank President Lawton Bassett emphasized the importance of these grants in addressing the affordable housing challenge and positively impacting the lives of many individuals in the communities served.
About Ameris Bank: Ameris Bank, a subsidiary of Ameris Bancorp, is a state-chartered bank based in Atlanta, Georgia, managing $27.1 billion in assets and offering a range of banking and lending services across five southeastern states.
