Ameris Bancorp

NASDAQ
ABCB
Stock
Yield per half year: -10.48%
Dividend yield: 1.12%
Sector: Financials

Company Analysis Ameris Bancorp

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1. Summary

Advantages

  • Price (60.72 $) is less than fair price (65.8 $)
  • Current debt level 1.61% is below 100% and has decreased over 5 years from 8.37%.

Disadvantages

  • Dividends (1.12%) are below the sector average (2.31%).
  • The stock's return over the last year (-0.5568%) is lower than the sector average (18%).
  • The company's current efficiency (ROE=2.43%) is lower than the sector average (ROE=6.45%)

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2. Share price and performance

2.1. Share price

2.3. Market efficiency

Ameris Bancorp Financials Index
7 days -2.7% 24.4% 1.2%
90 days 18.8% 10.2% 21.7%
1 year -0.6% 18% 21.8%

ABCB vs Sector: Ameris Bancorp has significantly underperformed the "Financials" sector by -18.55% over the past year.

ABCB vs Market: Ameris Bancorp has significantly underperformed the market by -22.32% over the past year.

Stable price: ABCB is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.

Long period: ABCB with weekly volatility of -0.0107% over the past year.

3. Summary of the report

3.1. General

P/E: 12.1
P/S: 3.93

3.2. Revenue

EPS 5.19
ROE 2.43%
ROA 1.39%
ROIC 0%
Ebitda margin 1.65%

4. Fundamental Analysis

4.1. Stock price and price forecast

The fair price is calculated taking into account the Central Bank refinancing rate and earnings per share (EPS)

Below fair price: The current price (60.72 $) is lower than the fair price (65.8 $).

Price not significantly lower than the fair price: The current price (60.72 $) is slightly lower than the fair price by 8.4%.

4.2. P/E

P/E vs Sector: The company's P/E (12.1) is lower than that of the sector as a whole (21.68).

P/E vs Market: The company's P/E (12.1) is lower than that of the market as a whole (90.03).

4.2.1 P/E Similar companies

4.3. P/BV

P/BV vs Sector: The company's P/BV (1.16) is higher than that of the sector as a whole (0.7).

P/BV vs Market: The company's P/BV (1.16) is lower than that of the market as a whole (9.39).

4.3.1 P/BV Similar companies

4.4. P/S

P/S vs Sector: The company's P/S indicator (3.93) is lower than that of the sector as a whole (4.61).

P/S vs Market: The company's P/S indicator (3.93) is lower than that of the market as a whole (10.12).

4.4.1 P/S Similar companies

4.5. EV/Ebitda

EV/Ebitda vs Sector: The company's EV/Ebitda (173.23) is higher than that of the sector as a whole (11.61).

EV/Ebitda vs Market: The company's EV/Ebitda (173.23) is higher than that of the market as a whole (50.91).

5. Profitability

5.1. Profitability and revenue

5.2. Earnings per share - EPS

5.3. Past profitability Net Income

Yield Trend: Rising and has grown by 7.38% over the last 5 years.

Earnings Slowdown: The last year's return (0%) is below the 5-year average return (7.38%).

Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-4.44%).

5.4. ROE

ROE vs Sector: The company's ROE (2.43%) is lower than that of the sector as a whole (6.45%).

ROE vs Market: The company's ROE (2.43%) is lower than that of the market as a whole (11.64%).

5.5. ROA

ROA vs Sector: The company's ROA (1.39%) is lower than that of the sector as a whole (6.1%).

ROA vs Market: The company's ROA (1.39%) is lower than that of the market as a whole (6.89%).

5.6. ROIC

ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).

ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (11.08%).

6. Finance

6.1. Assets and debt

Debt level: (1.61%) is quite low in relation to assets.

Debt reduction: over 5 years, the debt has decreased from 8.37% to 1.61%.

Excess of debt: The debt is not covered by net income, percentage 118.24%.

6.2. Profit growth and share price

7. Dividends

7.1. Dividend yield vs Market

Low yield: The dividend yield of the company 1.12% is below the average for the sector '2.31%.

7.2. Stability and increase in payments

Dividend stability: The company's dividend yield 1.12% has been steadily paid over the past 7 years, DSI=1.

Weak dividend growth: The company's dividend yield 1.12% has been growing weakly or stagnant over the past 5 years. Growth over only 1 year.

7.3. Payout percentage

Dividend Coverage: Current payments from income (11.56%) are at an uncomfortable level.

8. Insider trades

8.1. Insider trading

Insider Buying Exceeds insider sales by 100% over the last 3 months.

8.2. Latest transactions

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9. Stocks forum Ameris Bancorp

9.3. Comments