Ameris Bancorp

ABCB US Financials Regional Banks
S&P 600
$84.66
+0.05%
Delayed · cached 15 min

Fair value analysis

ABCB
Ameris Bancorp
FinancialsRegional Banks
$84.66
Close used for this calculation
$107.66Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
56/100
Profitability21/25
Returns11/25
Balance Sheet11/25
Efficiency13/25
Growth14/25
Good
Quality radar
56Prof.21/25Ret.11/25Eff.13/25B.Sht11/25Growth14/25

Consensus fair value

$107.66
Below FV
▲ +27.2% against the close used
Model range $62.12 – $138.25
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.

Educational data only. Not a recommendation to buy, sell or hold any security.