Ameris Bancorp Financial Ratios — AXU 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 (%)	5.74	4.14	4.51	7.19	7.2	7.81	6.22	8.53	5.67	7.29	10.72	7.67	5.81	8.7	9.22
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

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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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	139	130	147	199	243	319	361	458	688	1,058	991	1,049	1,043	1,104	1,174
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	34	-17	16	-11	-38	-81	-66	-119	-952	780	-16	1,049	551	141	370

Multiples (USD)

Valuation Multiples API ChatGPT

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Per Share Data Items (USD)

Per-Share Data 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

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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