Ameris Bancorp has demonstrated consistent earnings execution — beating estimates in each of the last four quarters at an average positive surprise of approximately 7.3%, supported by 37% net margins and a Piotroski F-Score of 8/9 — but with the stock within 2.4% of its 52-week high, only about 0.4% of headroom to the near-term target, and a legal risk event flagged in recent news, the setup favors holding existing positions rather than adding new exposure.
Thesis pillars
- Perfect Earnings Beat Streak↑Improving
- Best In Class Margins Quality→Stable
- Technical Breakout Momentum→Stable
- +1 more pillar — see the Why tab for full reasoning
Pillars as of Jul 3, 2026, based on the 10-K filed Feb 26, 2026
Ameris Bancorp (ABCB) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $81.88, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).
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
Hold if already holding. Not a fresh buy at $81.88, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 5.5/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.60, earnings proximity 91d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.
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.
Show full overview
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.
Recent developments
updated 2026-10-29Recent Developments — Ameris Bancorp
Latest news
- NEWS Countdown to Ameris Bancorp (ABCB) Q2 Earnings: A Look at Estimates Beyond Revenue and EPS - Yahoo Finance — Yahoo Finance neutral
- NEWS Ameris Bancorp (NYSE:ABCB) Q2 Earnings Release Nears Russell 1000 - Kalkine Media — Kalkine Media positive
- NEWS Ameris Bancorp Earnings: What To Look For From ABCB - StockStory — StockStory neutral
- NEWS Ameris Bancorp Earnings: What To Look For From ABCB - FinancialContent — FinancialContent neutral
- NEWS Ameris (ABCB) Deep Dive | Q4 2025: EPS Misses Views - Collaborative Trading Signals - Xã Vĩnh Công — Xã Vĩnh Công negative
Generated 2026-10-29T11:20:24Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. People who build TrendMatrix, or entities they control, may hold positions, long or short, in securities it covers, and may trade them at any time. Positions are not disclosed individually. Verdicts are generated by an automated model applied by the same rules to every covered stock, and are not adjusted for any position held by the people who build TrendMatrix. We do not accept payment from issuers for coverage.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
1 floor-breaker
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $81.88, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Analyst target $80.91 reached (−1.2%), stop $79.04 (−3.6%), A.R:R -0.2:1. Score 5.5/10, moderate confidence.
Analyst target $80.91 reached (−1.2% from $81.88); no take-profit level is published. Analyst target $80.91 reached (−1.2%), stop $79.04 (−3.6%), A.R:R -0.2:1. Stop-loss: $79.04.
Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.2).
Ameris Bancorp trades at a P/E of 14.2 (forward 11.7). TrendMatrix value score: 7.1/10. Verdict: Hold.
13 analysts cover ABCB with a consensus score of 3.8/5. Average price target: $93.
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.