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Intrinsic value of Ameris Bancorp (ABCB)

Previous Close$47.27
Intrinsic Value
Upside potential
Previous Close
$47.27
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh112.21 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines; and municipal and commercial insurance premium finance loans. It operates 170 domestic banking offices and 31 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-0.1NaN
Revenue, $1052NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m556NaN
Operating income, $m496NaN
EBITDA, $m547NaN
Interest expense (income), $mNaN
Earnings before tax, $m496NaN
Tax expense, $m119NaN
Net income, $m377NaN

BALANCE SHEET

Cash and short-term investments, $m4065NaN
Total assets, $m23986NaN
Adjusted assets (=assets-cash), $m19921NaN
Average production assets, $m1359NaN
Working capital, $m1355NaN
Total debt, $m937NaN
Total liabilities, $m21020NaN
Total equity, $m2966NaN
Debt-to-equity ratio0.316NaN
Adjusted equity ratio-0.054NaN

CASH FLOW

Net income, $m377NaN
Depreciation, amort., depletion, $m50NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m273NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-23NaN
Free cash flow, $m297NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m1355
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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