Ameris Bancorp Financial Ratios — ABCB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	7.66	4.39	6.77	11.74	9.28	12.42	10.14	10.71	8.22	10.24	13.43	11.24	8.12	9.99	10.53
Return on Assets (%)	0.71	0.48	0.6	1.01	0.85	1.16	1	1.25	1.09	1.35	1.7	1.42	1.07	1.39	1.53
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.86	4.92	4.31	4.5	4.85	4.36	3.64	4.27	5.97	5.21	4.84	5.11	4.41	4.23	3.27
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.69	16.73	19.9	28.21	23.31	32.99	34.42	33.09	30.74	32.15	50.07	43.21	34.24	43.11	45.48
Profit Margin (%)	15.12	11.12	13.59	19.44	16.78	22.6	20.37	26.44	23.45	24.76	38.04	33.05	25.81	32.5	35.12
Net Income to Common Margin (%)	12.8	8.36	12.41	19.29	16.78	22.6	20.37	26.44	23.45	24.76	38.04	33.05	25.81	32.5	35.12
Effective Tax Rate (%)	33.35	33.54	31.69	31.1	28.02	31.49	40.82	20.11	23.7	23	24.03	23.52	24.61	24.62	22.78
Dvd Payout Ratio (%)	-3.39	-8.61	-1.85	10.45	15.76	11.91	19.92	13.55	15.28	15.91	11.09	12.01	15.48	11.56	13.41
Sustainable Growth Rate (%)	7.92	4.77	6.89	10.51	7.81	10.94	8.12	9.26	6.97	8.61	11.94	9.89	6.87	8.84	9.12

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	82	42	250	144	109	577	336	241	1,526	550	866	2,004	640	424	692
ST Debt	20	- -	10	24	24	39	- -	70	- -	- -	- -	- -	- -	- -	- -
LT Debt	62	42	240	120	85	538	336	171	1,526	550	866	2,004	640	424	692
Total Debt/EBITDA	15.26	6.61	39.36	16.07	9.23	41.49	25.6	12.34	37.14	9.97	18.07	37.37	13.93	9.08	18.01
Net Debt/EBITDA	-34.1	-36.25	-0.47	-2.3	-23.41	27.22	0.42	-21.22	22.59	-28.09	-66.32	16.52	-11.48	-17.04	-10.32
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.12	8.33	7.87	9.07	9.21	9.38	10.24	12.73	13.54	12.95	12.43	12.76	13.6	14.28	14.81
Long-Term Debt/Equity (%)	21.2	15.15	75.79	32.84	16.49	83.18	41.78	11.74	61.8	20.76	29.2	62.68	18.67	11.3	16.99
Long-Term Debt/Capital (%)	16.56	13.16	42.35	23.56	13.61	43.97	29.47	10.07	38.2	17.19	22.6	38.53	15.74	10.16	14.52
Long-Term Debt/Total Assets (%)	2.08	1.4	6.54	2.98	1.52	7.8	4.28	1.49	8.37	2.69	3.63	8	2.54	1.61	2.52
Total Debt/Equity (%)	28	15.15	78.95	39.4	21.15	89.19	41.78	16.55	61.8	20.76	29.2	62.68	18.67	11.3	16.99
Total Debt/Capital (%)	21.88	13.16	44.12	28.26	17.46	47.14	29.47	14.2	38.2	17.19	22.6	38.53	15.74	10.16	14.52
Total Debt/Total Assets (%)	2.75	1.4	6.82	3.57	1.95	8.37	4.28	2.11	8.37	2.69	3.63	8	2.54	1.61	2.52
Net Debt to Equity	-62.56	-83.03	-0.94	-5.64	-53.65	58.5	0.68	-28.45	37.6	-58.48	-107.15	27.71	-15.39	-21.23	-9.73
Net Debt/Capital (%)	-167.1	-489.23	-0.95	-5.98	-115.77	36.91	0.67	-39.76	27.33	-140.86	1,499.28	21.7	-18.19	-26.94	-10.78
EBITDA	5	6	6	9	12	14	13	20	41	55	48	54	46	47	38
EBITDA-CapEx	-7	-3	1	3	-1	3	9	10	30	37	22	40	28	33	18
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.12	8.33	7.87	9.07	9.21	9.38	10.24	12.73	13.54	12.95	12.43	12.76	13.6	14.28	14.81
Long-Term Debt/Equity (%)	21.2	15.15	75.79	32.84	16.49	83.18	41.78	11.74	61.8	20.76	29.2	62.68	18.67	11.3	16.99
Long-Term Debt/Capital (%)	16.56	13.16	42.35	23.56	13.61	43.97	29.47	10.07	38.2	17.19	22.6	38.53	15.74	10.16	14.52
Long-Term Debt/Total Assets (%)	2.08	1.4	6.54	2.98	1.52	7.8	4.28	1.49	8.37	2.69	3.63	8	2.54	1.61	2.52
Total Debt/Equity (%)	28	15.15	78.95	39.4	21.15	89.19	41.78	16.55	61.8	20.76	29.2	62.68	18.67	11.3	16.99
Total Debt/Capital (%)	21.88	13.16	44.12	28.26	17.46	47.14	29.47	14.2	38.2	17.19	22.6	38.53	15.74	10.16	14.52
Total Debt/Total Assets (%)	2.75	1.4	6.82	3.57	1.95	8.37	4.28	2.11	8.37	2.69	3.63	8	2.54	1.61	2.52
CFO/Total Liabilities	1.71	-0.29	0.65	-0.15	-0.5	-1.12	-0.89	-1.09	-5.96	4.49	0.04	4.86	2.61	0.68	1.66
CFO/CapEx	3.84	-0.86	3.88	-0.98	-2.01	-6.36	-16.64	-10.87	-81.19	44.07	0.36	78.31	32.45	11.44	19
Altman's Z-Score	0.13	0.14	0.17	0.2	0.21	0.24	0.25	0.18	0.19	0.19	0.2	0.21	0.23	0.26	0.29

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

- -

Raw Materials

- -

Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	244	297	530	686	1,095	1,523	1,796	1,504	2,957	2,647	3,458	3,270	3,663	4,322	5,052
- Cash & Cash Equivalents	266	274	253	165	385	198	331	655	598	2,098	4,045	1,118	1,167	1,220	1,089
+ Preferred Equity and Hybrid Capital	51	28	28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	82	42	250	144	109	577	336	241	1,526	550	866	2,004	640	424	692
Enterprise Value	-229	-254	69	124	35	1,078	991	-102	2,482	117	-313	2,656	1,733	1,854	2,448
Total Capital	376	321	567	510	624	1,223	1,141	1,697	3,996	3,197	3,833	5,201	4,067	4,176	4,768
Total Debt/Capital (%)	21.88	13.16	44.12	28.26	17.46	47.14	29.47	14.2	38.2	17.19	22.6	38.53	15.74	10.16	14.52
Total Debt / EV	-0.36	-0.17	3.64	1.16	3.07	0.53	0.34	-2.35	0.61	4.72	-2.77	0.75	0.37	0.23	0.28
EV/Sales	- -	- -	0.47	0.62	0.15	3.38	2.74	- -	3.61	0.11	- -	2.53	1.66	1.68	2.09
EV/EBITDA	- -	- -	10.8	13.82	3.01	77.58	75.45	- -	60.39	2.11	- -	49.53	37.73	39.68	63.7
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	3.14	- -	- -	- -	- -	- -	- -	0.15	- -	2.5	3.05	12.02	6.27
EV/Free Cash Flow to Firm	- -	- -	2.5	1,097.56	- -	- -	- -	- -	- -	0.14	- -	2.47	2.95	11.06	5.96
Diluted Market Cap	242	298	514	673	1,092	1,513	1,790	1,370	2,493	2,643	3,466	3,272	3,666	4,321	5,103
Diluted Enterprise Value	109	94	539	653	816	1,891	1,796	955	3,422	1,095	287	4,158	3,139	3,525	4,706
EV per Share	- -	- -	2.73	4.63	1.1	30.87	26.58	- -	35.71	1.68	- -	38.29	25.1	26.84	35.99
TTM Sales	139	130	147	199	243	319	361	458	688	1,058	991	1,049	1,043	1,104	1,174
TTM EBITDA	5	6	6	9	12	14	13	20	41	55	48	54	46	47	38
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	46	-8	22	-6	-25	-70	-63	-109	-940	798	9	1,062	569	154	390
TTM Free Cash Flow to Firm	58	1	27	- -	-13	-59	-59	-99	-929	817	35	1,076	586	168	411

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.16	240.74	18.7	5,958.24	-86.34	-25.74	-30.45	-13.86	-2.69	3.24	100.2	3.04	6.25	25.77	12.42
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-229	-254	69	124	35	1,078	991	-102	2,482	117	-313	2,656	1,733	1,854	2,448
Low Price	8.31	10.05	12.57	19.42	22.71	24.96	41.05	29.97	31.27	17.12	36.6	38.22	28.33	44	48.27
EV/Sales	- -	- -	0.47	0.62	0.15	3.38	2.74	- -	3.61	0.11	- -	2.53	1.66	1.68	2.09
EV/EBITDA	- -	- -	10.8	13.82	3.01	77.58	75.45	- -	60.39	2.11	- -	49.53	37.73	39.68	63.7
Price/Earnings	13.5	27.38	27.62	17.33	26.43	20.77	24.14	11.29	15.4	10.06	9.15	9.41	13.6	12	12.33
Price/Earnings Average	12.61	26.04	21.98	15.18	21.44	15.83	23.21	17.71	13.96	7.59	9.29	9.37	10.3	10.59	11.08
Price/Earnings High	14.71	29.57	29.41	18.07	27.38	22.72	25.69	21.05	16.26	11.58	11.03	11.11	13.8	14.3	13.12
Price/Earnings Low	10.91	22.03	16.45	13.12	17.66	11.89	20.56	10.68	11.32	4.53	6.74	7.63	7.26	8.44	8.02
Price/Book Value	1	1.18	1.84	1.88	2.13	2.36	2.23	1.03	1.2	1	1.17	1.02	1.07	1.15	1.24
Price/Book Value Average	0.94	1.12	1.46	1.64	1.73	1.8	2.15	1.62	1.08	0.75	1.18	1.02	0.81	1.02	1.11
Price/Book Value High	1.09	1.28	1.95	1.96	2.2	2.58	2.38	1.93	1.26	1.15	1.4	1.21	1.08	1.37	1.32
Price/Book Value Low	0.81	0.95	1.09	1.42	1.42	1.35	1.9	0.98	0.88	0.45	0.86	0.83	0.57	0.81	0.81
Price/Tangible Book Value	1.02	1.2	2.14	2.33	2.69	3.02	2.7	1.68	2.04	1.61	1.89	1.58	1.58	1.62	1.68
Price/Tangible Book Value Average	0.95	1.14	1.7	2.04	2.18	2.3	2.6	2.64	1.85	1.21	1.92	1.57	1.19	1.43	1.51
Price/Tangible Book Value High	1.11	1.3	2.28	2.43	2.78	3.31	2.87	3.14	2.16	1.85	2.28	1.86	1.6	1.93	1.79
Price/Tangible Book Value Low	0.83	0.97	1.27	1.77	1.79	1.73	2.3	1.59	1.5	0.72	1.39	1.28	0.84	1.14	1.09
Price/Sales	1.73	2.29	3.43	3.34	4.44	4.69	4.92	2.98	3.61	2.49	3.48	3.11	3.51	3.9	4.33
Price/Sales Average	1.61	2.18	2.73	2.93	3.6	3.58	4.73	4.68	3.27	1.88	3.53	3.1	2.66	3.44	3.89
Price/Sales High	1.88	2.47	3.65	3.49	4.59	5.14	5.23	5.56	3.81	2.87	4.19	3.67	3.56	4.65	4.61
Price/Sales Low	1.4	1.84	2.04	2.53	2.96	2.69	4.19	2.82	2.66	1.12	2.56	2.52	1.87	2.74	2.82
Price/Cash Flow	5.22	-37.98	23.11	-119.01	-42.8	-21.46	-28.37	-12.56	-2.65	3.3	377.39	3.07	6.43	27.92	13.03
Price/Cash Flow Average	4.88	-36.12	18.39	-104.28	-34.72	-16.36	-27.29	-19.7	-2.4	2.49	383.04	3.05	4.87	24.64	11.71
Price/Cash Flow High	5.69	-41.02	24.61	-124.11	-44.34	-23.48	-30.2	-23.41	-2.79	3.8	454.65	3.62	6.53	33.27	13.86
Price/Cash Flow Low	4.22	-30.56	13.76	-90.14	-28.6	-12.29	-24.16	-11.88	-1.94	1.49	278.03	2.49	3.43	19.64	8.47
Price/Free Cash Flow Average	3.88	228.96	14.89	5,220.68	-70.04	-19.61	-29.28	-21.75	-2.43	2.44	101.7	3.03	4.73	22.74	11.16
Price/Free Cash Flow High	4.53	260.02	19.91	6,213.86	-89.44	-28.16	-32.41	-25.85	-2.83	3.72	120.71	3.59	6.34	30.71	13.21
Price/Free Cash Flow Low	3.36	193.71	11.14	4,512.84	-57.69	-14.73	-25.93	-13.12	-1.97	1.46	73.82	2.47	3.34	18.12	8.07
EV/Sales Average	0.68	0.61	3.03	2.92	2.51	4.82	4.8	4.25	5.24	0.42	0.33	3.95	2.16	2.73	3.53
EV/Sales High	0.95	0.9	4	3.49	3.52	6.41	5.31	5.22	5.88	1.41	1	4.52	3.06	3.94	4.24
EV/Sales Low	0.46	0.27	2.31	2.51	1.87	3.92	4.25	2.2	4.51	- -	- -	3.37	1.37	2.03	2.46
EV/EBITDA Average	17.62	12.32	70.33	64.74	51.86	110.73	131.99	99.65	87.78	8.15	6.92	77.2	48.92	64.57	107.78
EV/EBITDA High	24.67	18.32	92.76	77.49	72.72	147.1	146.02	122.43	98.53	27.17	20.61	88.47	69.46	93.17	129.48
EV/EBITDA Low	11.93	5.51	53.61	55.65	38.59	89.95	116.92	51.69	75.48	-6.49	-13.16	65.96	31.11	48	75.11
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	10.28	12.49	21.11	25.64	33.99	43.6	48.2	31.67	42.54	38.07	49.68	47.14	53.05	62.57	74.27
High Price	11.2	13.49	22.48	26.74	35.21	47.7	51.3	59.05	44.9	43.79	59.85	55.62	53.84	74.56	78.99
Enterprise Value Average	95	79	447	581	612	1,539	1,733	1,946	3,607	449	331	4,140	2,247	3,017	4,142
Enterprise Value High	133	117	589	695	858	2,044	1,917	2,391	4,049	1,497	988	4,744	3,190	4,353	4,977
Enterprise Value Low	64	35	341	499	455	1,250	1,535	1,009	3,102	-358	-631	3,537	1,429	2,243	2,887

Shares Outstanding	24	24	25	27	32	35	37	47	70	70	70	69	69	69	68
Diluted Weighted Avg Shares	24	24	24	26	32	35	37	43	59	69	70	69	69	69	69
Basic Weighted Avg Shares	23	24	24	26	32	34	37	43	58	69	69	69	69	69	68
Revenue per Share	5.95	5.45	6.16	7.67	7.66	9.29	9.8	10.61	11.77	15.28	14.27	15.15	15.11	16.04	17.15
EBITDA per Share	0.23	0.27	0.27	0.35	0.37	0.4	0.36	0.45	0.7	0.8	0.69	0.78	0.67	0.68	0.56
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.76	0.46	0.76	1.48	1.29	2.1	2	2.81	2.76	3.78	5.43	5.01	3.9	5.21	6.02
Basic EPS from Cont Ops	0.9	0.61	0.84	1.49	1.29	2.1	2	2.81	2.76	3.78	5.43	5.01	3.9	5.21	6.02
Diluted EPS, GAAP	0.76	0.46	0.75	1.46	1.27	2.08	1.98	2.8	2.75	3.77	5.4	4.99	3.89	5.19	6
Diluted EPS from Cont Ops	0.9	0.61	0.82	1.47	1.27	2.08	1.98	2.8	2.75	3.77	5.4	4.99	3.89	5.19	6
Dividend per Share	0.11	0.11	0.06	0.17	0.2	0.25	0.4	0.38	0.42	0.6	0.6	0.6	0.6	0.6	0.81
Cash Flow per Share	1.97	-0.33	0.91	-0.22	-0.79	-2.03	-1.7	-2.52	-16.08	11.53	0.13	15.36	8.25	2.24	5.7
Free Cash Flow per Basic Share	1.46	-0.71	0.68	-0.44	-1.19	-2.35	-1.8	-2.75	-16.28	11.27	-0.23	15.16	7.99	2.05	5.4
Cash & Equivalents per Share	25.52	26.09	29.45	26.39	36.27	29.24	30.64	38.9	28.79	44.3	66.62	37.74	37.22	41.87	48.46
Book Value per Share	10.23	10.56	11.5	13.67	15.98	18.51	21.59	30.66	35.53	38.06	42.62	46.09	49.62	54.32	59.92
Tangible Book Value per Share	10.06	10.39	9.87	10.99	12.65	14.42	17.86	18.83	20.81	23.69	26.26	29.92	33.64	38.59	44.18

Ameris Bancorp