ABCB
Ameris Bancorp
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
-14/100
Last price
79.95
▼ 0.45 (0.56%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
80.85
Prev close
80.40
Day high
81.37
Day low
79.80
Volume
361.67K
Market cap
$5.37B
P/E (TTM)
14.54
52W range
68.80 – 93.22
Day trading desk
Gap from prior close
+0.56%
Prior close 80.40
VWAP
80.06
-0.14% from price
Relative volume
1.32×
Normal
Session range
1.96%
79.80 – 81.36
Position in range
10%
Near session low
ATR (14D)
1.46
1.83% of price
Prior day high
81.65
PDH
Prior day low
80.35
PDL
Bid / ask spread
—
Quote not published
Session volume
571.63K
Avg 433.71K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-0.63%
-2.6%
1M
-7.09%
-8.2%
3M
-9.24%
-13.8%
6M
+0.45%
-17.7%
YTD
+7.65%
-6.6%
1Y
+8.35%
-8.1%
3Y
+108.26%
+26.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on ABCB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
3.63M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 14, 26 | STERN WILLIAM H Director |
STOCK | 279 | $23.75K | Direct |
| Sep 14, 26 | BULLARD RODNEY D. Director |
STOCK | 220 | $18.75K | Direct |
| Aug 19, 26 | STRANGE DOUGLAS D Officer |
STOCK | 120 | $0 | Direct |
| Aug 18, 26 | MILLER JAMES B JR Director |
STOCK | 22.28K | $0 | Direct |
| Jun 22, 26 | STERN WILLIAM H Director |
STOCK | 271 | $23.75K | Direct |
| Jun 22, 26 | BULLARD RODNEY D. Director |
STOCK | 214 | $18.75K | Direct |
| May 21, 26 | LYNCH ROBERT P Director |
STOCK | 1.00K | $0 | Direct |
| May 21, 26 | HILL LEO J Director |
STOCK | 1.00K | $0 | Direct |
| May 21, 26 | JETER DANIEL B Director |
STOCK | 1.00K | $0 | Direct |
| May 21, 26 | MILLER JAMES B JR Director |
STOCK | 1.00K | $0 | Direct |
| May 21, 26 | STERN WILLIAM H Director |
STOCK | 1.00K | $0 | Direct |
| May 21, 26 | MCLEAN CLAIRE E. Director |
STOCK | 1.00K | $0 | Direct |
| May 21, 26 | CHOATE WILLIAM MILLARD Director |
STOCK | 1.00K | $0 | Direct |
| May 21, 26 | BOWEN WILLIAM I JR Director |
STOCK | 1.00K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BASSETT LAWTON E III |
Officer | 114.65K | Stock Award(Grant) |
CHOATE WILLIAM MILLARD |
Director | 239.37K | Stock Award(Grant) |
CREASY ROSS L |
Chief Technology Officer | 58.30K | Sale |
LAHAISE JAMES A |
Officer | 111.47K | Stock Award(Grant) |
LYNCH ROBERT P |
Director | 214.84K | Stock Award(Grant) |
MILLER JAMES B JR |
Director | 2.17M | Stock Gift |
PIERSON MICHAEL T |
Officer | 89.16K | Stock Award(Grant) |
PROCTOR H PALMER JR |
Chief Executive Officer | 473.19K | Stock Gift |
SPENCER JODY LEE |
Officer | 56.26K | Stock Award(Grant) |
STOKES NICOLE S |
Chief Financial Officer | 86.21K | Sale |
Fundamentals
Market cap$5.37B
Enterprise value$5.53B
Revenue (TTM)$1.18B
Gross profit$1.18B
EBITDA—
Net income$376.32M
EPS (TTM)$5.50
Free cash flow—
Total cash$1.21B
Total debt$1.39B
Book value / share$61.16
Shares outstanding67.11M
Float62.90M
Short % of float5.91%
Dividend yield1.00%
Beta (5Y)0.97
Valuation & profitability ratios
Trailing P/E14.54
Forward P/E11.39
PEG ratio1.10
Price / sales—
Price / book1.31
EV / revenue4.68
EV / EBITDA—
Gross margin0.00%
Operating margin50.19%
Profit margin31.80%
Return on equity9.40%
Return on assets1.36%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.17B | $1.10B | $1.04B | $1.05B | +6.3% |
| Operating revenue | $1.17B | $1.10B | $1.04B | $1.05B | +6.3% |
| Selling, general & admin | $371.23M | $375.75M | $358.69M | $339.81M | -1.2% |
| Pre-tax income | $533.76M | $475.86M | $356.94M | $453.10M | +12.2% |
| Tax provision | $121.61M | $117.17M | $87.83M | $106.56M | +3.8% |
| Net income | $412.15M | $358.69M | $269.11M | $346.54M | +14.9% |
| Net income to common | $412.15M | $358.69M | $269.11M | $346.54M | +14.9% |
| Basic EPS | 6.02 | 5.21 | 3.90 | 5.01 | +15.5% |
| Diluted EPS | 6.00 | 5.19 | 3.89 | 4.99 | +15.6% |
| Basic shares | 68.45M | 68.81M | 68.98M | 69.19M | -0.5% |
| Diluted shares | 68.71M | 69.06M | 69.10M | 69.42M | -0.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $1.09B | $1.22B | $1.17B | $1.12B | -10.8% |
| Property, plant & equipment | $213.10M | $209.46M | $216.44M | $220.28M | +1.7% |
| Goodwill & intangibles | $1.07B | $1.09B | $1.10B | $1.12B | -1.5% |
| Total assets | $27.52B | $26.26B | $25.20B | $25.05B | +4.8% |
| Long-term debt | $692.34M | $424.10M | $639.90M | $2.00B | +63.3% |
| Total debt | $692.34M | $424.10M | $639.90M | $2.00B | +63.3% |
| Total liabilities | $23.44B | $22.51B | $21.78B | $21.86B | +4.1% |
| Retained earnings | $2.21B | $1.85B | $1.54B | $1.31B | +19.3% |
| Shareholder equity | $4.08B | $3.75B | $3.43B | $3.20B | +8.6% |
| Net tangible assets | $3.01B | $2.67B | $2.32B | $2.08B | +12.8% |
| Shares issued | 72.90M | 72.70M | 72.52M | 72.26M | +0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $412.15M | $358.69M | $269.11M | $346.54M | +14.9% |
| Depreciation & amortisation | $38.44M | $46.73M | $45.93M | $53.63M | -17.7% |
| Stock-based compensation | $12.69M | $13.44M | $9.95M | $6.71M | -5.6% |
| Change in working capital | -$31.14M | -$19.87M | $32.94M | -$21.03M | -56.7% |
| Operating cash flow | $390.18M | $154.19M | $568.96M | $1.06B | +153.0% |
| Capital expenditure | -$20.54M | -$13.48M | -$17.53M | -$13.57M | -52.4% |
| Investing cash flow | -$1.30B | -$846.68M | -$338.19M | -$4.87B | -53.9% |
| Share buybacks | -$82.89M | -$7.95M | -$20.35M | -$22.42M | -942.2% |
| Dividends paid | -$55.25M | -$41.46M | -$41.65M | -$41.61M | -33.3% |
| Financing cash flow | $781.16M | $745.56M | -$181.59M | $865.53M | +4.8% |
| Free cash flow | $369.64M | $140.72M | $551.43M | $1.05B | +162.7% |
| End cash position | $1.09B | $1.22B | $1.17B | $1.12B | -10.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $318.01M | $306.47M | $298.91M | $305.33M | $292.17M | +3.8% |
| Operating revenue | $318.01M | $306.47M | $298.91M | $305.33M | $292.17M | +3.8% |
| Selling, general & admin | $98.23M | $97.60M | $94.35M | $94.33M | $95.80M | +0.6% |
| Pre-tax income | $66.05M | $140.72M | $141.09M | $137.04M | $142.69M | -53.1% |
| Tax provision | $14.60M | $30.23M | $32.74M | $31.01M | $32.86M | -51.7% |
| Net income | $51.45M | $110.49M | $108.36M | $106.03M | $109.83M | -53.4% |
| Net income to common | $51.45M | $110.49M | $108.36M | $106.03M | $109.83M | -53.4% |
| Basic EPS | 0.77 | 1.64 | 1.59 | 1.55 | 1.60 | -53.0% |
| Diluted EPS | 0.77 | 1.63 | 1.59 | 1.54 | 1.60 | -52.8% |
| Basic shares | 66.88M | 67.54M | 68.02M | 68.40M | 68.59M | -1.0% |
| Diluted shares | 67.10M | 67.77M | 68.33M | 68.67M | 68.80M | -1.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.20B | $1.33B | $1.09B | $1.04B | $1.17B | -9.9% |
| Property, plant & equipment | $220.50M | $216.40M | $213.10M | $211.57M | $211.43M | +1.9% |
| Goodwill & intangibles | $1.06B | $1.07B | $1.07B | $1.07B | $1.08B | -0.3% |
| Total assets | $28.49B | $28.11B | $27.52B | $27.10B | $26.68B | +1.3% |
| Long-term debt | $1.39B | $1.02B | $692.34M | $470.90M | $510.01M | +35.4% |
| Total debt | $1.39B | $1.02B | $692.34M | $470.90M | $510.01M | +35.4% |
| Total liabilities | $24.40B | $24.03B | $23.44B | $23.08B | $22.76B | +1.5% |
| Retained earnings | $2.35B | $2.31B | $2.21B | $2.12B | $2.02B | +1.6% |
| Shareholder equity | $4.09B | $4.08B | $4.08B | $4.02B | $3.92B | +0.2% |
| Net tangible assets | $3.03B | $3.02B | $3.01B | $2.94B | $2.84B | +0.4% |
| Shares issued | 67.11M | 73.25M | 72.90M | 72.90M | 72.90M | -8.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $51.45M | $110.49M | $108.36M | $106.03M | $109.83M | -53.4% |
| Depreciation & amortisation | $7.43M | $8.24M | $8.32M | $9.04M | $10.45M | -9.8% |
| Stock-based compensation | $4.71M | $3.10M | $3.00M | $3.23M | $3.18M | +51.6% |
| Change in working capital | $45.81M | -$10.94M | -$9.32M | $24.94M | -$59.65M | +518.7% |
| Operating cash flow | $79.42M | $257.15M | $107.04M | $104.92M | $61.37M | -69.1% |
| Capital expenditure | -$8.61M | -$7.74M | -$5.80M | -$4.40M | -$7.65M | -11.2% |
| Investing cash flow | -$491.46M | -$509.86M | -$374.65M | -$466.19M | -$277.11M | +3.6% |
| Share buybacks | -$19.65M | -$83.56M | -$40.81M | -$8.48M | -$12.85M | +76.5% |
| Dividends paid | -$13.41M | -$14.04M | -$13.67M | -$13.70M | -$13.75M | +4.5% |
| Financing cash flow | $279.85M | $493.09M | $313.37M | $234.16M | $93.61M | -43.2% |
| Free cash flow | $70.81M | $249.41M | $101.23M | $100.52M | $53.72M | -71.6% |
| End cash position | $1.20B | $1.33B | $1.09B | $1.04B | $1.17B | -9.9% |
Options analytics
Put / call volume
0.88
Call-heavy session
Put / call open interest
0.24
Positioning, not flow
Max pain
90.00
+12.6% from spot
ATM implied vol
0.2%
Nearest strike to spot
Skew (10% OTM)
-99.9%
Calls bid over puts
Call volume
17
Contracts, this expiry
Put volume
15
Contracts, this expiry
Heaviest call OI
95.00
20 contracts
Heaviest put OI
100.00
6 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.66 | 1.60 | -3.6% |
| Mar 2026 | 1.56 | 1.63 | +4.8% |
| Dec 2025 | 1.58 | 1.59 | +0.9% |
| Sep 2025 | 1.47 | 1.53 | +4.1% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.68 | 7 | $326.83M | +4.4% |
| Next quarter | 1.71 | 7 | $326.92M | +5.5% |
| Current year | 6.63 | 7 | $1.29B | +6.5% |
| Next year | 7.02 | 7 | $1.35B | +4.9% |
Analyst targets & ownership
Mean target$94.17
High target$100.00
Low target$88.00
Implied upside17.78%
Analyst count6
ConsensusBUY
Strong buy / Buy1 / 2
Hold4
Sell / Strong sell0 / 0
Held by insiders5.43%
Held by institutions101.30%
Institutions holding520
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
80.92
-1.19% from price
SMA 20
82.40
-2.98% from price
SMA 50
85.18
-6.14% from price
SMA 100
86.39
-7.45% from price
SMA 200
83.41
-4.15% from price
EMA 12
81.28
-1.64% from price
EMA 26
82.75
-3.39% from price
EMA 50
84.26
-5.12% from price
RSI (14)
34.2
Neutral
MACD (12,26,9)
-1.47
Hist -0.09
ATR (14)
1.46
1.83% of price
Realised vol 30D
14.1%
Annualised
Bollinger upper
85.80
20, 2σ
Bollinger lower
79.00
20, 2σ
50 / 200 cross
Golden
85.18 vs 83.41
Trend bias
Below 200
-4.15%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.66
Less volatile than market
Correlation to SPY
0.38
Loosely linked
Realised vol 30D
14.1%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.7%
Peak to trough
Max drawdown 5Y
-47.5%
Peak to trough
ATR 14
1.46
1.83% of price
Beta (reported)
0.97
5Y monthly, from filing
Short interest
Shares short
2.74M
Prior 2.58M
Change vs prior
+6.2%
Shorts adding
% of float
5.91%
Normal
% of shares out
4.09%
Against total outstanding
Days to cover
8.2
Crowded exit
Float
62.90M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 28, 26 | Truist Securities | MAINTAINED | Hold | Hold |
| Jul 27, 26 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 27, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jul 13, 26 | Piper Sandler | DOWNGRADE | Overweight | Neutral |
| Jul 10, 26 | Truist Securities | MAINTAINED | Hold | Hold |
| Jul 1, 26 | Raymond James | DOWNGRADE | Outperform | Market Perform |
| Apr 28, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Apr 27, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Apr 27, 26 | Truist Securities | MAINTAINED | Hold | Hold |
| Feb 2, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Feb 2, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Feb 2, 26 | Truist Securities | MAINTAINED | Hold | Hold |
Dividends & splits
Forward rate$0.80 / yr
Forward yield1.00%
5-year avg yield1.16%
Payout ratio14.47%
Ex-dividend dateSep 30, 2026
Next pay dateOct 5, 2026
Last split211:210
Split dateJun 28, 2010
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-23
Annual report of employee stock purchase
11-K · 2026-06-23
Corporate Changes & Voting Matters
8-K · 2026-06-18
Corporate Changes & Voting Matters
8-K · 2026-06-12
Corporate Changes & Voting Matters
8-K · 2026-05-26
Offering Registrations
S-3ASR · 2026-05-21
Periodic Financial Reports
10-Q · 2026-05-08
Headlines
Ameris Bancorp to Announce Third Quarter 2026 Earnings on October 22, 2026
Business Wire · 6d ago
Can ServisFirst Keep Delivering?
MarketBeat · 20d ago
Ameris Bancorp Announces Quarterly Dividend
Business Wire · 21d ago
Do Options Traders Know Something About Ameris Stock We Don't?
Zacks · 29d ago
FB Financial's Southern Expansion and Buybacks Drive Analyst Optimism
MarketBeat · 33d ago
1 Small-Cap Stock for Long-Term Investors and 2 We Question
StockStory · 50d ago
Ameris Bank Strengthens South Carolina Leadership with Market Presidents in Midlands, Charleston and Greenville
Business Wire · 64d ago
ABCB Q2 Deep Dive: Margin Pressures and Deposit Competition Shape Growth Outlook
StockStory · 64d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.