Ameris Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Ameris Bancorp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$52Sales grew 12% in 3 years; of every extra $100 of sales, $52 became extra profit.
Higher than 78% of Financial Services companies in United States.
Asset Productivity Ratio
+12% / +10%In 3 years sales changed by +12% while total assets changed by +10%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
96%Of every $100 the company owns, $96 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 68% of Financial Services companies in United States.
Tangible Net Worth Ratio
74%Of every $100 of net worth, $74 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 66% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Ameris Bancorp owes $0.86 for every $1 it owns. Net profit rose 15% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
14.9Investors pay $14.9 for every $1 of Ameris Bancorp's yearly profit, higher than 63% of Financial Services companies in United States.
P/B ratio
1.35The share price is 1.35 times Ameris Bancorp's book value per share, higher than 56% of Financial Services companies in United States.
Market cap
$5.5 BThe total market value of all of Ameris Bancorp's shares at today's price (share price × number of shares), larger than 81% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$4.1 BWhat Ameris Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$60.96Net worth divided by the number of shares. The share price of $82.37 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
9.4%Ameris Bancorp earned 9.4% on its shareholders' money over the last year, lower than 58% of Financial Services companies in United States.
Owes vs Owns
0.86×Ameris Bancorp owes $0.86 for every $1 it owns (high), higher than 55% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.99%Ameris Bancorp pays 0.99% of its share price as dividends a year, lower than 90% of dividend-paying Financial Services companies in United States.
Revenue growth
+6%Revenue rose 6% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit growth
+15%Net profit rose 15% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit margin
35.1%Ameris Bancorp keeps $35 of every $100 of revenue as net profit.
Questions
What is Ameris Bancorp's P/E ratio?
Investors pay $14.9 for every $1 of Ameris Bancorp's yearly profit, higher than 63% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Ameris Bancorp: $5.5 B ÷ $4.1 B (30 Jun 2026) = 1.4.
What is Ameris Bancorp's return on equity?
Ameris Bancorp earned 9.4% on its shareholders' money over the last year, lower than 58% of Financial Services companies in United States.
How much does Ameris Bancorp owe compared with what it owns?
Ameris Bancorp owes $0.86 for every $1 it owns (high), higher than 55% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Ameris Bancorp pay a dividend?
Yes. Ameris Bancorp pays 0.99% of its share price as dividends a year, lower than 90% of dividend-paying Financial Services companies in United States.
Is Ameris Bancorp's revenue growing?
Revenue rose 6% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.