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Market Price

35.54 

-0.70 -1.9%

as of Jan 22 '19

52 Week Range:

29.97 59.05


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Ameris Bancorp operates as the 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, Small Business Administration Division, and Premium Finance Division. It offers commercial and retail checking accounts, regular interest-bearing savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. 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 97 domestic banking offices and 13 loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Moultrie, Georgia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 13.74
13.65
10.39
9.44
10.27
10.56
10.46
13.22
15.59
18.40
21.52
growth rate -0.7% -23.9% -9.1% 8.8% 2.8% -1.0% 26.4% 17.9% 18.0% 17.0%
Earnings BIT 22.45
-5.97
-34.49
-7.18
31.65
21.72
29.30
61.40
61.85
112.53
138.63
growth rate -100.0% 0.0% 0.0% 100.0% -31.4% 34.9% 109.6% 0.7% 82.0% 23.2%
Avg.PE 15.17
-40.60
-2.00
-27.50
13.55
27.47
28.25
17.74
22.20
22.57
29.34
growth rate -100.0% 0.0% 0.0% 100.0% 102.7% 2.8% -37.2% 25.1% 1.7% 30.0%
ROA 0.73
-0.17
-1.86
-0.27
0.60
0.36
0.55
1.00
0.85
1.16
1.00
growth rate -100.0% 0.0% 0.0% 100.0% -40.0% 52.8% 81.8% -15.0% 36.5% -13.8%
ROE 8.19
-2.05
-26.78
-3.91
7.66
4.39
6.77
11.74
9.28
12.42
10.14
growth rate -100.0% 0.0% 0.0% 100.0% -42.7% 54.2% 73.4% -21.0% 33.8% -18.4%
ROIC 20.33
10.51
-5.25
4.88
11.79
6.97
6.06
9.26
growth rate -48.3% -100.0% 100.0% 141.6% -40.9% -13.1% 52.8%
Leverage 11.04
12.65
16.67
13.31
12.32
12.01
12.70
11.03
10.86
10.66
9.77
growth rate 14.6% 31.8% -20.2% -7.4% -2.5% 5.8% -13.2% -1.5% -1.8% -8.4%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 31.35
6.30
growth rate -79.9%
Acct.Payable 3,431.15
4,879.29
5,575.16
6,625.85
growth rate 42.2% 14.3% 18.9%
Cur.Assets 366.88
546.22
332.04
548.46
growth rate 48.9% -39.2% 65.2%
Total Assets 2,407.10
2,424.00
2,972.20
2,994.31
3,019.05
3,667.65
4,037.08
5,588.94
6,892.03
7,856.20
growth rate 0.7% 22.6% 0.7% 0.8% 21.5% 10.1% 38.4% 23.3% 14.0%
Cash 166.20
276.10
307.00
634.54
620.84
754.17
150.26
362.76
160.59
291.86
growth rate 66.1% 11.2% 106.7% -2.2% 21.5% -80.1% 141.4% -55.7% 81.8%
Inventory 68.65
35.49
23.41
17.48
growth rate -48.3% -34.0% -25.4%
Cur.Liabilities 3,539.71
4,958.01
6,081.03
6,831.55
growth rate 40.1% 22.7% 12.3%
Liabilities 2,167.70
2,229.00
2,698.80
2,700.54
2,740.04
3,350.95
3,671.05
5,074.18
6,245.59
7,051.72
growth rate 2.8% 21.1% 0.1% 1.5% 22.3% 9.6% 38.2% 23.1% 12.9%
LT Debt 42.27
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
109.21
93.87
124.19
161.10
growth rate 4,650.4% 0.1% 0.1% 0.1% 0.1% 0.1% -94.6% -14.0% 32.3% 29.7%
Equity 191.25
239.40
195.00
273.40
293.77
279.02
316.70
366.03
514.76
646.44
804.48
growth rate 25.2% -18.6% 40.2% 7.5% -5.0% 13.5% 15.6% 40.6% 25.6% 24.5%
Common Shares 14.00
14.00
14.00
22.00
24.00
24.00
24.00
26.00
32.00
35.00
37.00
growth rate 0.0% 0.0% 57.1% 9.1% 0.0% 0.0% 8.3% 23.1% 9.4% 5.7%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 15.88
9.80
5.20
3.50
12.02
9.07
5.63
5.71
12.58
10.98
3.76
growth rate -38.3% -46.9% -32.7% 243.5% -24.6% -37.9% 1.3% 120.3% -12.7% -65.8%
Cash Dividends 7.51
5.20
4.00
2.70
2.64
2.64
1.40
4.30
6.44
8.58
14.65
growth rate -30.8% -23.1% -32.5% -2.4% 0.3% -47.0% 207.3% 49.7% 33.3% 70.7%
Cash From OA 23.03
25.60
23.90
45.00
46.17
32.24
21.85
-5.60
-25.22
-69.77
-62.56
growth rate 11.2% -6.6% 88.3% 2.6% -30.2% -32.2% -100.0% 0.0% 0.0% 0.0%
FCF per Share 0.53
1.14
1.23
1.82
0.58
0.97
1.25
0.17
0.35
-2.33
-2.98
growth rate 115.1% 7.9% 48.0% -68.1% 67.2% 28.9% -86.4% 105.9% -100.0% 0.0%
Sale Purchase of Stock 0.03
-26.90
0.29
0.46
116.08
0.96
91.33
growth rate -100.0% 100.0% 56.1% 25,189.8% -99.2% 9,373.6%
FCF 7.00
16.00
17.00
40.00
34.00
23.00
28.00
-11.00
-38.00
-81.00
-66.00
growth rate 128.6% 6.3% 135.3% -15.0% -32.4% 21.7% -100.0% 0.0% 0.0% 0.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 92.67
91.80
132.40
124.50
193.88
187.35
172.87
207.07
255.68
320.09
354.95
growth rate -0.9% 44.2% -6.0% 55.7% -3.4% -7.7% 19.8% 23.5% 25.2% 10.9%
Op.Income -6.00
-34.50
-7.20
21.09
14.44
20.02
65.45
71.94
119.71
132.21
growth rate 0.0% 0.0% 100.0% -31.6% 38.7% 226.9% 9.9% 66.4% 10.4%
IBT -5.97
-34.49
-7.18
31.65
21.72
29.30
56.21
56.74
105.25
124.28
growth rate 0.0% 0.0% 100.0% -31.4% 34.9% 91.8% 1.0% 85.5% 18.1%
Net Income -3.90
-41.80
-4.00
21.09
14.44
20.02
38.72
40.85
72.10
73.55
growth rate 0.0% 0.0% 100.0% -31.6% 38.7% 93.4% 5.5% 76.5% 2.0%
EPS 1.08
-0.31
-3.27
-0.35
0.76
0.46
0.75
1.46
1.27
2.08
1.98
growth rate -100.0% 0.0% 0.0% 100.0% -39.5% 63.0% 94.7% -13.0% 63.8% -4.8%
Gross Profit 207.07
255.68
320.09
354.95
growth rate 23.5% 25.2% 10.9%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 32.63
34.86
38.31
growth rate 6.8% 9.9%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Payable 5,895.50
6,625.85
6,446.17
8,761.59
9,181.36
growth rate 12.4% -2.7% 35.9% 4.8%
Cur.Assets 400.64
548.46
461.90
588.79
788.06
growth rate 36.9% -15.8% 27.5% 33.8%
Total Assets 7,649.82
7,856.20
8,022.83
11,190.70
11,428.99
growth rate 2.7% 2.1% 39.5% 2.1%
Cash 243.92
291.86
334.88
370.01
571.06
growth rate 19.7% 14.7% 10.5% 54.3%
Inventory 19.34
17.48
15.89
15.28
17.07
growth rate -9.6% -9.1% -3.9% 11.7%
Cur.Liabilities 6,642.66
6,831.55
6,949.44
9,485.10
9,702.68
growth rate 2.8% 1.7% 36.5% 2.3%
Liabilities 6,847.90
7,051.72
7,153.88
9,818.80
10,024.02
growth rate 3.0% 1.5% 37.3% 2.1%
LT Debt 160.79
161.10
161.42
238.28
238.57
growth rate 0.2% 0.2% 47.6% 0.1%
Equity 801.92
804.48
868.94
1,371.90
1,404.98
growth rate 0.3% 8.0% 57.9% 2.4%
Common Shares 38.71
38.74
39.82
49.01
49.01
growth rate 0.1% 2.8% 23.1% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 0.64
0.74
1.13
1.93
4.27
growth rate 15.7% 52.3% 70.6% 120.9%
Cash Dividends 3.72
3.72
3.73
3.83
4.10
growth rate 0.0% 0.1% 2.8% 6.9%
Cash From OA -27.36
33.12
48.50
-103.96
-38.07
growth rate 100.0% 46.4% -100.0% 0.0%
Sale Purchase of Stock 0.06
0.76
0.81
growth rate 1,121.0% 7.4%
FCF -28.00
32.38
47.36
-105.90
-42.34
growth rate 100.0% 46.3% -100.0% 0.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 91.98
90.24
92.88
96.00
127.11
growth rate -1.9% 2.9% 3.4% 32.4%
Op.Income 29.33
35.65
36.14
30.45
57.71
growth rate 21.6% 1.4% -15.7% 89.5%
IBT 28.30
31.21
34.37
11.81
54.76
growth rate 10.3% 10.1% -65.6% 363.7%
Net Income 20.16
9.15
26.66
9.39
41.44
growth rate -54.6% 191.4% -64.8% 341.5%
EPS
growth rate
Gross Profit 91.98
90.24
92.88
96.00
127.11
growth rate -1.9% 2.9% 3.4% 32.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (43.99)

YOY Growth Grade:

E (32.55)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 16.65 16.74 8.47
EPS / Growth 29.5% 2.12 8.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 21.4%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 8.0% 19.6% 19.6%
Future PE 8.47 21.45 21.45
Future EPS 4.58 12.72 12.72
Value Price
MOS %
9.60
-73.0%
67.46
89.8%
67.46
89.8%
MOS Price 4.80 33.73 33.73
IRT 10.47 7.35 7.35

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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