ScoreWhy is Ameris Bancorp ?
1
High Profitability with a Net Interest Margin of 2.68%
2
Positive results in Dec 25
- NII(Q) Highest at USD 245.31 MM
- ROCE(HY) Highest at 1.53%
- GROSS NPA (%)(Q) Lowest at 0.43%
3
With ROA of 1.16%, it has a attractive 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 29.98%, its profits have risen by 25.8% ; the PEG ratio of the company is 0.5
4
High Institutional Holdings at 99.61%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.75% over the previous quarter.
5
Market Beating performance in long term as well as near term
- Along with generating 29.98% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
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
34.77%
2.11
29.71%
S&P 500
20.78%
0.92
19.35%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.93%
EBIT Growth (5y)
-0.02%
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
13.33%
Pledged Shares
0
Institutional Holding
99.61%
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
8.21
EV to EBITDA
7.62
EV to Capital Employed
1.47
EV to Sales
2.79
PEG Ratio
0.51
Dividend Yield
5.37%
ROCE (Latest)
17.90%
ROE (Latest)
9.99%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at USD 245.31 MM
ROCE(HY)
Highest at 1.53%
GROSS NPA (%)
(Q
NET SALES(Q)
Highest at USD 358.06 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 1.53%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 12.58%
Here's what is working for Ameris Bancorp
NII
Highest at USD 245.31 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 0.43%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Net Sales
Highest at USD 358.06 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Here's what is not working for Ameris Bancorp
Dividend Payout Ratio
Lowest at 12.58%
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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