| Company Name: | Ameris Bancorp | | Ticker Symbol: | ABCB | | | WWW Address: | www.abcbancorp.com |
| CEO: | Edwin W. Hortman,Jr | | No. of Employees: | 866 |
| Common Issue Type: | CS | | Business Description: | Ameris Bancorp is a financial holding company through its subsidiary Ameris Bank operates a full service banking business and offers a range of retail and commercial banking services to its customers.
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| | | Industry Information: | BANKING - Regional - Mid-Atlantic Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 16.39 |  0.3 | 15.75 | 19.4 | 16.04 | 16.39 | 15.90 | 18600 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 391.3 | 23.9 | 1.49 | 0.46 | 0.00 | 34.9 | 0.0 | 16.79 - 10.21 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 16.39 | $ | | PE Ratio - LTM | 34.9 | |
| Market Capitalisation | 391.3 | mil |
| Latest Shares Outstanding | 23.9 | mil |
| Earnings pS (EPS) | 0.46 | $ |
| Dividend pS (DPS) | 0.00 | ¢ |
| Dividend Yield | 0.0 | % |
| Dividend Payout Ratio | | % |
| Revenue per Employee | 216,343 | $ |
| Effective Tax Rate | 33.5 | % |
| Float | 20.4 | mil |
| Float as % of Shares Outstanding | 85.5 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 53.8 | % |
| Pre-Tax Profit Margin | 11.4 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.8 | % |
| Return on Equity (ROE) | 8.7 | % |
| Return on Capital Invested (ROCI) | 6.8 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 11.2 | |
| Interest Cover | 3.3 | |
| Total Debt/Equity (Gearing Ratio) | 0.17 | |
| LT Debt/Total Capital | 13.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 10.72 | $ |
| Tangible Book-Value pS | 10.57 | $ |
| Cash Flow pS | 0.80 | $ |
| Free Cash Flow pS | 8.38 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.53 | |
| Price/Tangible Book Ratio | 1.55 | |
| Price/Cash Flow | 20.6 | |
| Price/Free Cash Flow | 2.0 | |
| P/E as % of Industry Group | 1,147.0 | % |
| P/E as % of Sector Segment | 148.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 06/21/2009 |
| Dividend Ex-Date | 06/25/2009 |
| Dividend Record Date | 06/29/2009 |
| Dividend Pay Date | 07/09/2009 |
| Dividend Amount | 48 |
| Type of Payment | - |
| Dividend Rate | 0.00 |
| Current Dividend Yield | 0.0 |
| 5-Y Average Dividend Yield | 2.4 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 0.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
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 | |
| |
| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 0.4 | 101 | 420 | 1,183 |
| 4 Weeks | 16.79 | 13.23 | 13.79 | 18.9 | 114 | 752 | 15,039 |
| 13 Weeks | 16.79 | 13.03 | 14.03 | 16.8 | 107 | 529 | 33,865 |
| 26 Weeks | 16.79 | 10.64 | 10.87 | 50.8 | 129 | 533 | 66,619 |
| 52 Weeks | 16.79 | 10.21 | 11.42 | 43.5 | 115 | 498 | 123,987 |
| YTD | 16.79 | 12.57 | - | 31.2 | 113 | 523 | 52,317 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 16.29 | 16.12 | 14.57 | 13.27 | 12.96 | 1.49 | 1.33 |
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| |
| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 4.21 | 52.9 | 5.07 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -29.1 | -29.1 | -3.4 |
| Earnings % | -1.5 | -1.5 | -31.6 |
| EPS % | 5.3 | 5.3 | -39.5 |
| EPS $ | 0.01 | 0.01 | -0.30 |
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| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 186.63 |
| Free Cash Flow Margin 5YEAR AVG | 38.46 |
| Cash-Flow pS | 1.35 |
| Free Cash-Flow pS | 10.15 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 10.82 |
| Debt Ratio | 90.76 |
| Total Debt/Equity (Gearing Ratio) | 0.15 |
| LT Debt/Equity | 0.15 |
| LT Debt/Capital Invested | 13.16 |
| LT Debt/Total Liabilities | 1.54 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.29 |
| Tobin's Q Ratio | 0.13 |
| Current P/E Ratio - LTM | 34.90 |
| Enterprise Value (EV)/EBITDA | 0.01 |
| Enterprise Value (EV)/Free Cash Flow | -0.79 |
| Dividend Yield | 0.0 |
| Price/Tangible Book Ratio - LTM | 1.55 |
| Price/Book Ratio - LTM | 1.53 |
| Price/Cash Flow Ratio | 20.6 |
| Price/Free Cash Flow Ratio - LTM | 2.0 |
| P/E Ratio (1 month ago) - LTM | 29.5 |
| P/E Ratio (26 weeks ago) - LTM | 34.0 |
| P/E Ratio (52 weeks ago) - LTM | 12.3 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | |
| P/E as % of Industry Group | 1,147.0 |
| P/E as % of Sector Segment | 148.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 8.6 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 10.57 |
| Book Value pS - LTM | 10.72 |
| Capital Invested pS | 13.46 |
| Cash Flow pS - LTM | 0.80 |
| Free Cash Flow pS - LTM | 8.38 |
| Earnings pS (EPS) | 0.46 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 5.74 |
| Return on Equity (ROE) - 5YEAR AVRG. | 0.0 |
| Return on Capital Invested (ROCI) | 4.49 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | -0.9 |
| Return on Assets (ROA) | 0.48 |
| Return on Assets (ROA) - 5YEAR AVRG. | -0.1 |
| EBIT Margin - LTM | 18.3 |
| EBITDA Margin - LTM | 53.8 |
| Pre-Tax Profit Margin | 53.49 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 18.51 |
| Net Profit Margin | 12.62 |
| Net Profit Margin - 5YEAR AVRG. | -7.02 |
| Effective Tax Rate | 11.90 |
| Effective Tax Rate - 5YEAR AVRG. | 32.01 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 219,488 |
| Net Income per Employee - LTM | 25,652 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,038.57 |
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