Ameris Bancorp Balance Sheet Health

Financial Health criteria checks 6/6

Ameris Bancorp has total assets of $26.4B and total equity of $3.7B. Total deposits are $21.9B, and total loans are $20.6B. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $1.4B.

Key information

7.2x

Asset to equity ratio

3.6%

Net interest margin

Total deposits

US$21.88b

Loan to deposit ratio

Appropriate

Bad loans

0.5%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

US$1.37b

Recent financial health updates

Recent updates

Ameris Bancorp: Fairly Valued With A Slightly Positive Earnings Outlook

Nov 06

Ameris Bancorp: Strong Earnings, But Keeping An Eye On The Loan Book

Aug 21

Earnings Report: Ameris Bancorp Missed Revenue Estimates By 6.4%

Jan 29
Earnings Report: Ameris Bancorp Missed Revenue Estimates By 6.4%

Ameris Bancorp: Attractively Valued But Earnings Likely To Dip

Oct 07

Ameris Bancorp goes ex-dividend tomorrow

Sep 28

Ameris Bancorp Non-GAAP EPS of $1.18 misses by $0.01, revenue of $275.21M beats by $9.78M

Jul 26

Ameris Bancorp: Top Line Growth Unlikely To Be Strong Enough To Counter Headwinds

Feb 09

Here's Why I Think Ameris Bancorp (NASDAQ:ABCB) Is An Interesting Stock

Jan 29
Here's Why I Think Ameris Bancorp (NASDAQ:ABCB) Is An Interesting Stock

If You Like EPS Growth Then Check Out Ameris Bancorp (NASDAQ:ABCB) Before It's Too Late

Sep 18
If You Like EPS Growth Then Check Out Ameris Bancorp (NASDAQ:ABCB) Before It's Too Late

Ameris Bancorp: Solid Loan Growth Potential Supports Share Price Upside

Aug 10

Here's Why I Think Ameris Bancorp (NASDAQ:ABCB) Might Deserve Your Attention Today

Jun 18
Here's Why I Think Ameris Bancorp (NASDAQ:ABCB) Might Deserve Your Attention Today

Is Ameris Bancorp (NASDAQ:ABCB) A Smart Pick For Income Investors?

Mar 03
Is Ameris Bancorp (NASDAQ:ABCB) A Smart Pick For Income Investors?

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: ABCB's Assets to Equity ratio (7.2x) is low.

Allowance for Bad Loans: ABCB has a sufficient allowance for bad loans (310%).

Low Risk Liabilities: 96% of ABCB's liabilities are made up of primarily low risk sources of funding.

Loan Level: ABCB has an appropriate level of Loans to Assets ratio (78%).

Low Risk Deposits: ABCB's Loans to Deposits ratio (94%) is appropriate.

Level of Bad Loans: ABCB has an appropriate level of bad loans (0.5%).


Discover healthy companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 03:24
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Ameris Bancorp is covered by 16 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kevin FitzsimmonsD.A. Davidson & Co.
Manuel NavasD.A. Davidson & Co.
null nullD.A. Davidson & Co.