Ameris Bancorp cash flow to debt ratio of 52.51% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Ameris Bancorp's free cash flow has increased 162.69% from $140.72M last year to $369.64M, signaling increasing performance

Ameris Bancorp's debt to equity ratio is 0.34, which means that the company's assets are healthy financed, signaling financial stability.

Ameris Bancorp's debt has increased relative to shareholder equity from 0.11 last year to 0.34 today, signaling weakened financials

Ameris Bancorp has a net debt to EBITDA ratio of 0.85x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Ameris Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

Ameris Bancorp's profit margin has increased (1.02%) in the last year from 21.97% to 22.19%, signaling increasing performance

Ameris Bancorp's short-term liabilities of $535.25M exceed its short-term assets of $333.81M, signaling financial risk

Ameris Bancorp's return on assets of 1.32% is lower than the 5.00% threshold, indicating inefficient asset utilization

Ameris Bancorp's return on equity of 9.25%, is lower than 15.00%, indicating bad performance

Ameris Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Ameris Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Ameris Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

Ameris Bancorp has a free cash flow yield of 6.27%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Ameris Bancorp's yearly earnings has increased 14.91% since last year from $358.69M to $412.15M, signaling increasing performance

Ameris Bancorp's yearly revenue has increased 2.00% since last year from $1.63B to $1.67B, signaling increasing performance

ROIC 1.32% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Ameris Bancorp's 3-year revenue CAGR of 13.42% is positive, indicating growing revenue over the past 3 years

Ameris Bancorp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Ameris Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Ameris Bancorp is overvalued relative to its fair value price of 26.93 based on Discounted Cash Flow model

Ameris Bancorp has an earnings yield of 6.43%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Ameris Bancorp is overvalued relative to its fair value price of 47.57 based on EBITDA multiple model

Ameris Bancorp has an EV/EBITDA ratio of 11.15x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Ameris Bancorp is undervalued relative to its fair value price of 141.60 based on Earnings Fair Value model

Ameris Bancorp has a PEG-ratio over 1 which is considered overvalued

Ameris Bancorp has a price-to-book ratio of 1.43x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Ameris Bancorp has a price-to-sales ratio of 3.45x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue