XNYSABCB
Market cap4.23bUSD
Jan 08, Last price
61.20USD
1D
-0.31%
1Q
1.02%
Jan 2017
40.37%
Name
Ameris Bancorp
Chart & Performance
Profile
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 165 full service domestic banking offices and 35 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
Income | |||||||||
Revenues | 1,447,386 33.35% | 1,085,421 6.69% | |||||||
Cost of revenue | 283,029 | 332,200 | |||||||
Unusual Expense (Income) | |||||||||
NOPBT | 1,164,357 | 753,221 | |||||||
NOPBT Margin | 80.45% | 69.39% | |||||||
Operating Taxes | 87,830 | 106,558 | |||||||
Tax Rate | 7.54% | 14.15% | |||||||
NOPAT | 1,076,527 | 646,663 | |||||||
Net income | 269,105 -22.35% | 346,540 -8.06% | |||||||
Dividends | (41,649) | (41,610) | |||||||
Dividend yield | 1.14% | 1.27% | |||||||
Proceeds from repurchase of equity | (20,346) | (19,622) | |||||||
BB yield | 0.55% | 0.60% | |||||||
Debt | |||||||||
Debt current | 11,327 | ||||||||
Long-term debt | 687,177 | 2,057,819 | |||||||
Deferred revenue | 10,931,080 | 21,750,845 | |||||||
Other long-term liabilities | 479,153 | (2,004,058) | |||||||
Net debt | (2,096,377) | (1,461,397) | |||||||
Cash flow | |||||||||
Cash from operating activities | 568,959 | 1,062,473 | |||||||
CAPEX | (17,531) | (13,568) | |||||||
Cash from investing activities | (338,194) | (4,874,530) | |||||||
Cash from financing activities | (181,593) | 865,532 | |||||||
FCF | (6,404,150) | 2,574,997 | |||||||
Balance | |||||||||
Cash | 1,167,304 | 1,784,627 | |||||||
Long term investments | 1,616,250 | 1,745,916 | |||||||
Excess cash | 2,711,185 | 3,476,272 | |||||||
Stockholders' equity | 1,576,534 | 1,337,015 | |||||||
Invested Capital | 23,627,165 | 14,448,628 | |||||||
ROIC | 5.65% | 4.65% | |||||||
ROCE | 4.62% | 4.74% | |||||||
EV | |||||||||
Common stock shares outstanding | 69,104 | 69,420 | |||||||
Price | 53.05 12.54% | 47.14 -5.11% | |||||||
Market cap | 3,665,976 12.03% | 3,272,459 -5.58% | |||||||
EV | 1,569,599 | 1,811,062 | |||||||
EBITDA | 1,213,076 | 804,020 | |||||||
EV/EBITDA | 1.29 | 2.25 | |||||||
Interest | 445,391 | 92,860 | |||||||
Interest/NOPBT | 38.25% | 12.33% |