The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear$62.12Fair value$107.66Bull$138.25
FairClose
52-week traded range
52W low $69.4152W high $93.17
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading below the consensus fair value
Ameris Bancorp closed at $84.66, 21.4% below the consensus fair value of $107.66 drawn from 8 valuation models.
Financial DNA score 56/100 — Good. P/E of 14.1x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
$106.81
+26.2%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$90.68
+7.1%
√(22.5 × EPS × BVPS)
EPS=6, BVPS=60.91
P/E Fair Value
$120.00
+41.7%
EPS × 20x (sector P/E)
EPS=6, Sector P/E=20x
Peter Lynch (PEG)
$82.26
-2.8%
EPS × Growth% (PEG = 1 is fair)
EPS=6, g=13.7%
EV/EBITDA
$138.25
+63.3%
(EBITDA × 16.9x − Net Debt) ÷ Shares
EBITDA=563.42M
Book Value (P/B)
$62.12
-26.6%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=60.91, ROE=10.1%, g=6%, r=10%
Reverse DCF
$84.66
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 2.4% | Historical: 13.7%
Margin of Safety
$79.37
-6.2%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=105.83, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.