← Ameris Bancorp ABCB
Market Price
$89.76
Market Cap
$6.02B
P/E Ratio
14.96
Revenue (FY 2025)
↑5.7% YoY
$1.21B
3-Yr CAGR: 3.6%
Net Income
↑14.9% YoY
$412.15M
Net Margin: 34.1%
Free Cash Flow
↑162.7% YoY
$369.64M
FCF Yield: 6.15%
EPS (Diluted)
↑15.6% YoY
$6.00
Basic: $6.02
Return on Equity
Efficiency
10.1%
ROA: 1.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (ABCB)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $243.6M | — | $223.9M | $72.1M | — | $2.08 | — | $-69.8M | $-80.7M | — |
| FY 2017 | $283.7M | +16.4% | $249.5M | $73.5M | +2.0% | $1.98 | -4.8% | $-62.6M | $-66.3M | +17.9% |
| FY 2018 | $373.9M | +31.8% | $303.9M | $121.0M | +64.6% | $2.80 | +41.4% | $-108.8M | $-118.8M | -79.1% |
| FY 2019 | $560.3M | +49.9% | $429.1M | $161.4M | +33.4% | $2.75 | -1.8% | $-940.2M | $-951.8M | -701.1% |
| FY 2020 | $749.9M | +33.8% | $661.1M | $262.0M | +62.3% | $3.77 | +37.1% | $798.4M | $780.3M | +182.0% |
| FY 2021 | $1,020.9M | +36.1% | $973.1M | $376.9M | +43.9% | $5.40 | +43.2% | $9.1M | $-16.3M | -102.1% |
| FY 2022 | $1,085.5M | +6.3% | $992.6M | $346.5M | -8.1% | $4.99 | -7.6% | $1,062.5M | $1,048.9M | +6,531.8% |
| FY 2023 | $1,077.9M | -0.7% | $632.5M | $269.1M | -22.3% | $3.89 | -22.0% | $569.0M | $551.4M | -47.4% |
| FY 2024 | $1,142.4M | +6.0% | $293.3M | $358.7M | +33.3% | $5.19 | +33.4% | $154.2M | $140.7M | -74.5% |
| FY 2025 | $1,208.0M | +5.7% | $271.0M | $412.2M | +14.9% | $6.00 | +15.6% | $390.2M | $369.6M | +162.7% |
Valuation
Market Price
$89.76
Market Cap
$6.02B
Enterprise Value
N/A
P/E Ratio
14.96
P/B Ratio
1.48
FCF Yield
6.15%
Dividend Yield
0.89%
Shares Outstanding
Profitability & Margins
Gross Margin
22.44%
Operating Margin
44.19%
Net Margin
34.12%
Return on Equity (ROE)
10.11%
Return on Assets (ROA)
1.50%
Asset Turnover
0.04x
Revenue 3-Yr CAGR
3.63%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
N/A
Total Debt
N/A
Book Value / Share
$60.57
Cash Flow Efficiency
Operating Cash Flow
$390.18M
Capital Expenditures (CapEx)
$20.54M
Free Cash Flow
$369.64M
OCF / Revenue
32.30%
FCF / Revenue
30.60%
FCF 3-Yr CAGR
-29.37%
Per Share Metrics
EPS (Diluted)
$6.00
EPS (Basic)
$6.02
Dividends / Share
$0.80
Book Value / Share
$60.57
EPS YoY Growth
15.61%
Balance Sheet (FY 2025)
Total Assets
$27.52B
Total Liabilities
$23.44B
Stockholders' Equity
$4.08B
Current Assets
N/A
Current Liabilities
N/A