ScoreWhy is Ameris Bancorp ?
1
High Profitability with a Net Interest Margin of 3.98%
2
Positive results in Jun 25
- NII(Q) Highest at USD 231.81 MM
- ROCE(HY) Highest at 1.47%
- GROSS NPA (%)(Q) Lowest at 0.45%
3
With ROA of 1.12%, it has a attractive valuation with a 1.16 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 5.38%, its profits have risen by 31.6% ; the PEG ratio of the company is 0.4
4
High Institutional Holdings at 97.61%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Ameris Bancorp
11.98%
2.08
30.09%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.01%
EBIT Growth (5y)
3.29%
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
12.52%
Pledged Shares
0
Institutional Holding
97.61%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.16
EV to EBIT
7.86
EV to EBITDA
7.14
EV to Capital Employed
1.26
EV to Sales
2.12
PEG Ratio
0.38
Dividend Yield
5.47%
ROCE (Latest)
16.01%
ROE (Latest)
9.74%
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
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at USD 231.81 MM
ROCE(HY)
Highest at 1.47%
GROSS NPA (%)
(Q
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 142.69 MM
OPERATING PROFIT MARGIN(Q)
Highest at 41.05 %
PRE-TAX PROFIT(Q)
Highest at USD 142.69 MM
NET PROFIT(Q)
Highest at USD 109.83 MM
EPS(Q)
Highest at USD 1.6
-2What is not working for the Company
ROCE(HY)
Lowest at 1.47%
Here's what is working for Ameris Bancorp
NII
Highest at USD 231.81 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Non Performing Loans (%)
Lowest at 0.45%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at USD 142.69 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 41.05 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 142.69 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 109.83 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.6
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 13.01%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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