Update shared on 27 Nov 2025
Fair value Increased 1.91%Analysts have increased their price target for Ameris Bancorp from $80.60 to $82.14. They cite strong core earnings, continued solid loan growth, and a resilient profitability outlook as key factors supporting the upward revision.
Analyst Commentary
Recent analyst commentary points to a mix of optimism and caution in evaluating Ameris Bancorp's outlook, largely influenced by recent quarterly performance and broader market trends.
Bullish Takeaways- Bullish analysts highlight consistent core earnings and the company's track record of quarterly results aligning with expectations.
- Solid loan growth remains a central positive factor, reflecting Ameris Bancorp's ability to capture new business opportunities while managing risk.
- Resilient profitability is seen as a distinguishing feature, particularly in a period where many financial institutions face earnings pressure.
- Some analysts believe that, despite market volatility, the company's strong earnings profile positions its shares for continued investor interest and potential valuation upside.
- Bearish analysts express concerns about the broader environment, where deal-focused banks have seen stock prices suffer even with stable fundamentals.
- Heightened investor scrutiny in the sector could lead to increased volatility and downward pressure on valuation, even for well-performing banks.
- Execution risk remains, with ongoing uncertainty around loan growth sustainability and shifts in market sentiment potentially weighing on future results.
What's in the News
- Ameris Bancorp reported net charge-offs of $7.45 million for the third quarter ended September 30, 2025. This represents an improvement compared to $8.07 million a year ago (Key Developments).
- Between July 1 and September 30, 2025, the company repurchased 125,900 shares for $8.48 million, completing the repurchase of over 2.1 million shares under its ongoing buyback program (Key Developments).
- On October 20, 2025, Ameris Bancorp announced an increase in its equity buyback plan authorization to $200 million and extended its plan duration through October 31, 2026 (Key Developments).
Valuation Changes
- Fair Value Estimate has increased from $80.60 to $82.14, reflecting a modest upward revision.
- Discount Rate has remained virtually unchanged at 6.96%.
- Revenue Growth Forecast has declined slightly, moving from 8.25% to 8.05%.
- Net Profit Margin has risen marginally from 32.60% to 32.76%.
- Future P/E Ratio has increased from 13.71x to 13.98x. This indicates a higher expected valuation multiple.
Disclaimer
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