Ameris Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
14.38
Price/Sales ratio
4.20
Earnings per Share (EPS)
$4.86

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
17.1926.4220.7624.1311.2815.4010.069.159.4113.5913.1311.28
Price/Sales ratio
3.344.434.694.912.983.552.443.393.002.523.172.98
Price/Book Value ratio
1.812.092.312.200.931.000.991.161.021.061.170.93
Price/Cash Flow ratio
-119.00-42.80-21.46-28.37-12.55-2.643.30377.393.076.4318.33-12.55
Price/Free Cash Flow ratio
-58.90-28.56-18.54-26.76-11.49-2.613.37-211.513.106.6319.65-11.49
Price/Earnings Growth ratio
0.18-2.050.33-5.060.27-8.650.270.20-1.21-0.614.100.27
Dividend Yield
0.64%0.59%0.57%0.82%1.20%0.99%1.58%1.21%1.27%1.13%0.71%0.99%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%105.24%102.56%100%
Operating Profit Margin
38.91%32.72%42.15%46.44%48.36%30.26%31.52%48.76%50.29%N/A16.30%30.26%
Pretax Profit Margin
28.21%23.31%32.99%34.41%33.09%30.26%31.52%48.76%41.74%24.66%32.10%30.26%
Net Profit Margin
19.43%16.78%22.60%20.36%26.43%23.08%24.27%37.04%31.92%18.59%24.08%23.08%
Effective Tax Rate
31.10%28.01%31.49%40.82%20.10%23.69%23%24.02%23.51%24.60%24.98%20.10%
Return on Assets
0.95%0.73%1.04%0.93%1.05%0.88%1.28%1.57%1.38%1.06%1.25%1.05%
Return On Equity
10.57%7.93%11.15%9.14%8.31%6.53%9.89%12.70%10.83%7.85%9.32%8.31%
Return on Capital Employed
1.93%1.43%1.96%13.22%1.94%5.86%8.93%3.39%3.43%N/A0.84%5.86%
Liquidity Ratios
Current Ratio
0.000.120.000.000.010.016.10N/AN/AN/AN/A0.01
Quick Ratio
138.16190.31148.661.02136.130.110.070.090.190.24N/A0.11
Cash ratio
3.254.933.270.022.610.010.010.020.030.11N/A0.01
Days of Sales Outstanding
57.449.44N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.040.010.080.040.020.080.020.030.070.020.010.08
Debt Equity Ratio
0.450.210.950.410.210.610.200.290.620.180.120.61
Long-term Debt to Capitalization
0.280.140.470.290.140.380.170.220.380.150.110.38
Total Debt to Capitalization
0.310.170.480.290.170.380.170.220.380.150.110.38
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.74N/A
Cash Flow to Debt Ratio
-0.03-0.23-0.11-0.18-0.34-0.611.450.010.530.880.49-0.34
Company Equity Multiplier
11.0310.8510.669.767.857.387.728.047.837.357.177.38
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.02-0.10-0.21-0.17-0.23-1.340.730.000.970.390.17-0.23
Free Cash Flow / Operating Cash Flow Ratio
2.021.491.151.061.091.010.97-1.780.980.960.931.01
Cash Flow Coverage Ratio
-0.03-0.23-0.11-0.18-0.34-0.611.450.010.530.880.49-0.34
Short Term Coverage Ratio
-0.23-1.05-1.79N/A-1.55N/AN/AN/AN/AN/AN/A-1.55
Dividend Payout Ratio
11.10%15.76%11.90%19.91%13.55%15.28%15.91%11.08%12.00%15.47%12.56%15.28%