Ameris Bancorp (ABCB) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $85.33, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: uninsured deposits (47.7%); Concentration risk — Loan Portfolio: commercial real estate loans.
Ameris Bancorp is a financial holding company operating through Ameris Bank with 163 full-service banking offices primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. At December 31, 2025, total assets were $27.52 billion, total loans $22.14 billion, and... Read more
Hold if already holding. Not a fresh buy at $85.33, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: uninsured deposits (47.7%); Concentration risk — Loan Portfolio: commercial real estate loans. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Downgraded from BUY WAIT — price $85.28 has reached target $84.71. No upside to wait for. Score 6.1/10, moderate confidence.
Passes 5/7 gates (positive momentum, clean insider activity, news boost analyst 0.70, earnings proximity 87d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHloan_portfoliouninsured deposits48%10-K Item 1A: 'As of December 31, 2025, approximately 47.7% of our deposits were uninsured, and we rely on these deposits for liquidity'
- HIGHloan_portfoliocommercial real estate loans10-K Item 1: 'Commercial real estate loans...represents the largest segment of our loan portfolio'
Material Events(8-K, last 90d)
- 2026-02-24Item 5.02LOWJames A. LaHaise, Corporate EVP and Chief Strategy Officer, retiring effective April 30, 2026. Entered Retirement Agreement February 19, 2026. No disagreement cited; transition services provided post-retirement.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
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 $85.33, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: uninsured deposits (47.7%); Concentration risk — Loan Portfolio: commercial real estate loans. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Downgraded from BUY WAIT — price $85.28 has reached target $84.71. No upside to wait for. Target $84.71 (-0.7%), stop $75.56 (−12.9%), A.R:R -0.5:1. Score 6.1/10, moderate confidence.
Take-profit target: $84.71 (+7.5% upside). Target $84.71 (-0.7%), stop $75.56 (−12.9%), A.R:R -0.5:1. Stop-loss: $75.56.
Concentration risk — Loan Portfolio: uninsured deposits (47.7%); Concentration risk — Loan Portfolio: commercial real estate loans; Analyst target reached - limited upside remaining.
Ameris Bancorp trades at a P/E of 13.4 (forward 11.9). TrendMatrix value score: 7.7/10. 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 is a financial holding company operating through Ameris Bank with 163 full-service banking offices...
Ameris Bancorp is a financial holding company operating through Ameris Bank with 163 full-service banking offices primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. At December 31, 2025, total assets were $27.52 billion, total loans $22.14 billion, and total deposits $22.38 billion.