Ameris Bancorp (ABCB) Stock Price & How to Invest

Ameris Bancorp is the holding company for Ameris Bank, a relationship-focused Southeastern regional bank headquartered in Atlanta, Georgia with roots going back to 1971 in Moultrie, Georgia. It operates roughly 380 banking centers across about eight Southeastern states (Georgia, Florida, Alabama, Tennessee, the Carolinas, Virginia, and Maryland), and makes money from commercial and consumer deposits, commercial real estate and residential lending, treasury management, mortgage banking, and other fee-based services. As of late 2025 it managed roughly $27 billion in total assets, with more than $22 billion in deposits and over $21 billion in loans.

The investment picture is that of a well-run mid-cap bank leveraged to Southeastern population and business growth. Recent results show expanding profitability (return on assets above 1.6%, a net interest margin near 3.9%, and an efficiency ratio around 50%), mid-single-digit loan and deposit growth, and stable credit quality. The stock trades at a low-teens price-to-earnings multiple with a modest dividend, so returns depend on management sustaining margin, funding costs, and asset quality through the rate and credit cycle rather than on a rich valuation re-rating.

As a regional bank, Ameris is sensitive to interest rate swings, which affect both its net interest margin and the value of its securities and deposit franchise. A weaker economy or a downturn in Southeastern commercial real estate could raise credit losses well above the current low charge-off levels. Deposit competition from higher-yielding alternatives and fintechs can pressure funding costs and margins. The bank also faces ongoing regulatory and compliance costs, and its geographic concentration in the Southeast means a regional shock (such as severe hurricanes or a local economic slump) could hit disproportionately. Any acquisition-driven growth carries integration and credit-mark risk.

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see Ameris Bancorp's investor relations page or your broker.

• Net interest income (Q1 2026, annualized): ~$980M
• Total revenue (Q1 2026): ~$422M
• Diluted EPS (Q1 2026): ~$1.63
• Market cap: ~$5.9B
• P/E (TTM): ~14x
• Dividend yield: ~0.9%

Ameris reported Q1 2026 net income of about $110.5 million ($1.63 per diluted share), up from $1.27 a year earlier, on roughly $422 million of quarterly revenue. At a market cap near $5.9 billion the shares trade around a low-teens trailing P/E, a typical range for a profitable mid-cap regional bank. The modest ~0.9% dividend yield reflects a low payout ratio, leaving most earnings to fund growth and build capital.

There are three common ways to get ABCB exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic basket, so ABCB sits alongside other stocks that express the same thesis.

Walnut takes the basket route. Describe a thesis where ABCB fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

ABCB is a mid-cap Southeastern regional bank with strong recent profitability and a low-teens earnings multiple, so the story hinges on Southeast growth, margin durability, and credit staying clean.

Whether ABCB is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is ABCB a buy?, and where the stock could go from here in the ABCB stock forecast.

For income investors, whether ABCB pays a dividend and how the payout looks is covered in does ABCB pay a dividend?