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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1740
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$5.0B
H. Palmer Proctor
Ameris Bank provides range of banking services to retail and commercial customers. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = ABCB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$ABCB Ameris Bancorp | 52 | 32 | 44 | 75 | 14.1x | 11.0x | 10.0% | 1.5% | 0.0% | 37.2% | 28.9% | 2.2% | 1.1% | 575.0x | $5.0B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Ameris Bancorp (ABCB) receives a "Hold" rating with a composite score of 51.7/100. It ranks #1740 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for ABCB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 32 | 46 | -14DRAG |
| MOMENTUM | 75 | 84 | -9DRAG |
| VALUATION | 44 | 52 | -8DRAG |
| INVESTMENT | 42 | 79 | -37DRAG |
| STABILITY | 53 | 55 | -2NEUTRAL |
| SHORT INT | 56 | 68 | -12DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 40.8% vs WACC 9.1% (spread +31.7%)
GM 0% vs sector 78%, OM 37% vs sector 18%
Capital turnover 1.40x
Rev growth 2%, 10yr history
Interest coverage 13.4x, Net debt/EBITDA 1.9x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Ameris Bancorp (ABCB) as a Hold with a composite score of 51.7/100 at a current price of $79.35. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Ameris Bancorp holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 51.7/100 places it at rank #1740 in our full universe.
The near-term outlook is constructive, with revenue growing at 2% and momentum in the 75th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
Narrow
High
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 575% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
Ameris Bancorp represents a hold based on multi-factor quantitative performance.
Our model assigns Ameris Bancorp a Hold rating, with a composite score of 51.7/100 and 3 out of 5 stars. Ranked #1740 of 7,333 stocks, ABCB presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
ABCB's quality score of 32/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 10.0% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 28.9% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 44/100, ABCB appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 14.13x, an EV/EBITDA of 10.98x, a P/B ratio of 1.42x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 42/100, ABCB exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 2.2% vs. a sector average of 10.7% and a return on assets of 1.5% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
ABCB shows strong momentum characteristics with a score of 75/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 2.2% year-over-year, while a beta of 0.99 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
With a stability score of 53/100, ABCB exhibits average financial resilience. Key stability metrics include a beta of 0.99 and a debt-to-equity ratio of 575.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
The short interest score of 56/100 for ABCB suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 575.00x). With a $5.0B market cap (mid-cap), Ameris Bancorp may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
ABCB offers a modest dividend yield of 1.1%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
Ameris Bancorp is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1740 of 7,333 overall (76th percentile). Key comparisons include ROE of 10.0% exceeding the 9.0% sector median and operating margins of 37.2% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While ABCB currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (75) vs Quality (32) — closing this gap could shift the rating.
EV/EBITDA 41% ABOVE SECTOR MEDIAN
ROE 11% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081

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