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Ameris Bancorp (ABCB) Fair Value & Analysis

Financial Services · US · Market cap $5.7B

Price$89.32
Fair Value$79.62
Upside-10.9%
Quality95/100
Evidence: High Range $59.72 – $99.53

Fair value as of: Jun 25, 2026

Analysis

Ameris Bancorp (ABCB) currently trades at $89.32, while our model-based Fair Value estimate is $79.62 — implying the stock looks roughly 10.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including home improvement and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans; equipment finance loans; and small business administration loans. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. Ameris Bancorp was founded in 1971…

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Frequently asked questions

Is Ameris Bancorp (ABCB) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $79.62 versus a price of $89.32 — about −11% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ABCB?
Our 21-model fair value for Ameris Bancorp is $79.62 (as of Jun 25, 2026), built from audited fundamentals. The current price is $89.32.
What is the quality score of ABCB?
Ameris Bancorp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.