ABCB Valuation

Ameris Bancorp

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69.090

-0.58(-0.832%)1D

Overview
Forecast
Valuation
Earnings

ABCB Relative Valuation

ABCB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, ABCB is overvalued; if below, it's undervalued.

Historical Valuation

Ameris Bancorp (ABCB) is now in the Fair zone, suggesting that its current forward PE ratio of 11.91 is considered Fairly compared with the five-year average of 10.26. The fair price of Ameris Bancorp (ABCB) is between 54.36 to 71.08 according to relative valuation methord.

Relative Value

Fair Zone

54.36-71.08

Current Price：69.67

Fair

11.86

Trailing

Forward

0.00

EV/EBITDA

Ameris Bancorp. (ABCB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Ameris Bancorp. (ABCB) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.87

Ameris Bancorp. (ABCB) has a current PS of 3.87. The 5-year average PS is 3.08. The thresholds are as follows: Strongly Undervalued below 1.92, Undervalued between 1.92 and 2.50, Fairly Valued between 3.66 and 2.50, Overvalued between 3.66 and 4.24, and Strongly Overvalued above 4.24. The current Forward PS of 3.87 falls within the Overvalued range.

0.00

P/OCF

Ameris Bancorp. (ABCB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Ameris Bancorp. (ABCB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Ameris Bancorp (ABCB) has a current Price-to-Book (P/B) ratio of 1.22. Compared to its 3-year average P/B ratio of 1.01 , the current P/B ratio is approximately 21.11% higher. Relative to its 5-year average P/B ratio of 1.05, the current P/B ratio is about 16.49% higher. Ameris Bancorp (ABCB) has a Forward Free Cash Flow (FCF) yield of approximately 8.22%. Compared to its 3-year average FCF yield of 16.97%, the current FCF yield is approximately -51.59% lower. Relative to its 5-year average FCF yield of 13.38% , the current FCF yield is about -38.62% lower.

1.22

P/B

Median3y

1.01

Median5y

1.05

8.23

FCF Yield

Median3y

16.97

Median5y

13.38

Competitors Valuation Multiple

The average P/S ratio for ABCB's competitors is 4.01, providing a benchmark for relative valuation. Ameris Bancorp Corp (ABCB) exhibits a P/S ratio of 3.87, which is -3.38% above the industry average. Given its robust revenue growth of 4.33%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Atlantic Union Bankshares Corp

Intercorp Financial Services Inc

ServisFirst Bancshares Inc

United Bankshares Inc

4.24

22.06%

5.23B

Performance Decomposition

Market capitalization of ABCB increased by 12.74% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 34.21 to 39.67.

The secondary factor is the Revenue Growth, contributed 4.33%to the performance.

Overall, the performance of ABCB in the past 1 year is driven by Margin Expansion. Which is more sustainable.

4.33%

265.39M → 276.89M

Revenue Growth

15.96%

34.21 → 39.67

Margin Expansion

-7.55%

13.29 → 12.29

P/E Change

12.74%