Stock fact sheet · data as of
Ameris Bancorp (ABCB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is ABCB undervalued?
ABCB closed at 79.74 on 16 Oct 2026 against a GLS average fair value of 79.07 - 0.9% above fair value, which our screens read as "fairly priced". 4 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
The 9 models disagree widely: GLS Growth gives 6.23 while 10 Cap gives 190.94. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files ABCB under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for ABCB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 45.76 | -43% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 87.99 | +10% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 128.70 | +61% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 41.90 | -47% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 6.23 | -92% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 190.94 | +139% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 135.80 | +70% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 11.77 | -85% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 62.52 | -22% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -344.32 | -532% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 91.20 | +14% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health ABCB scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 6.3 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 8.6%, ROE 10.1%, ROA 1.5% - with debt at 0.18 times equity and a free-cash-flow yield of 9.8%.
The dividend yield is 1.00% with a payout ratio of 15% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Service Charges On Deposit Accounts 47%, Other Service Charges On Deposit Accoun… 16%, Overdraft Fees 16% (fiscal year FY2025).
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 10/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 8.6% |
|---|---|---|---|
| GLS Moat | 6.3 / 10 | ROE | 10.1% |
| Debt / equity | 0.18 | ROA | 1.5% |
| Free-cash-flow yield | 9.8% | Payout ratio | 15% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 10 / 10 |
Wheel Score 73: Good
ABCB scores 73 out of 100 on the Wheel Score (Good band, 65-79). The score blends the margin of safety (Value, 12/25), Piotroski health (16/20), the GLS moat (9/15), the option premium on offer (20/20) and how easily the stock trades (16/20). Value (12/25) is the part holding the score back.
Implied volatility is 37% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 148 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 608k shares a day on a market cap of $5.4B, with a beta of 0.97; the Stability part of the Wheel Score gives that 16 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 12 / 25 | -1% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 9 / 15 | moat 6.3/10 | |
| Premium | 20 / 20 | implied volatility 37% | |
| Stability | 16 / 20 | 608k shares/day, $5.4B cap, beta 0.97 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Ameris Bancorp reports earnings on 22 Oct 2026 (after the close) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Ameris Bancorp by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| VLYPP Valley National Bancorp | 24.88 | 32.99 | +25% | 39No options | $5.4B |
| VLYPO Valley National Bancorp | 24.47 | 32.59 | +25% | 39No options | $5.3B |
| AUB Atlantic Union Bankshares Corporation | 38.30 | 56.16 | +32% | 82Prime | $5.5B |
| FINN First National of Nebraska, Inc. | 19,000.00 | 59,493.42 | +68% | 39No options | $5.1B |
| GBCI Glacier Bancorp, Inc. | 43.76 | 56.73 | +23% | 78Good | $5.7B |
| AX Axos Financial, Inc. | 87.52 | 213.10 | +59% | 82Prime | $5.0B |
| HOMB Home Bancshares, Inc. | 28.87 | 29.54 | +2% | 76Good | $5.8B |
| AVAL Grupo Aval Acciones y Valores S.A. | 4.90 | 5,904.36 | +100% | 39No options | $5.8B |
| OZK Bank OZK | 44.93 | 118.53 | +62% | 86Prime | $4.9B |
| OZKAP Bank OZK | 15.10 | 75.93 | +80% | 39No options | $4.9B |
| HWCPZ Hancock Whitney Corporation - 6 | 20.88 | 49.31 | +58% | 39No options | $5.9B |
| HWC Hancock Whitney Corporation | 73.03 | 83.87 | +13% | 76Good | $5.9B |
⚖ Compare ABCB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about ABCB
Is ABCB undervalued right now?
Not meaningfully: at 79.74 the stock trades within a few percent of the GLS average fair value of 79.07 (0.9% above fair value, data as of 16 Oct 2026).
What is the Wheel Score of ABCB and what does it mean?
ABCB scores 73 out of 100 (Good). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for ABCB?
79.07 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Ameris Bancorp report earnings next?
The next earnings report is due on 22 Oct 2026 (after the close), 6 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does ABCB have listed options, and how liquid are they?
Yes. The nightly snapshot found 172 listed contracts with 148 open interest across all expiries and implied volatility of 37% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.