ScoreWhy is Ameris Bancorp ?
1
High Profitability with a Net Interest Margin of 2.79%
2
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 530.48 MM
- ROCE(HY) Highest at 1.59%
- NET PROFIT(Q) Highest at USD 110.49 MM
3
With ROA of 0.82%, it has a fair valuation with a 1.31 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 37.98%, its profits have risen by 14.9% ; the PEG ratio of the company is 0.8
4
High Institutional Holdings at 99.49%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Consistent Returns over the last 3 years
- Along with generating 37.98% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Ameris Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Ameris Bancorp for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Ameris Bancorp
37.98%
3.31
25.21%
S&P 500
22.99%
1.78
12.93%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.93%
EBIT Growth (5y)
0.05%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
13.34%
Pledged Shares
0
Institutional Holding
99.49%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.31
EV to EBIT
8.53
EV to EBITDA
7.92
EV to Capital Employed
1.42
EV to Sales
3.03
PEG Ratio
0.80
Dividend Yield
5.19%
ROCE (Latest)
16.68%
ROE (Latest)
10.11%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 530.48 MM
ROCE(HY)
Highest at 1.59%
NET PROFIT(Q)
Highest at USD 110.49 MM
EPS(Q)
Highest at USD 1.63
-5What is not working for the Company
ROCE(HY)
Lowest at 1.59%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 12.27%
Here's what is working for Ameris Bancorp
Operating Cash Flow
Highest at USD 530.48 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Highest at USD 110.49 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.63
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Ameris Bancorp
Non Performing Loans (%)
Highest at 0.57%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 12.27%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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