
Ameris Bancorp (ABCB) Stock Forecast & Price Target
Ameris Bancorp (ABCB) Analyst Ratings
Bulls say
Ameris Bancorp is well-positioned for future growth, as evidenced by a projected ramp-up in mortgage activities for 2026 alongside increasing application numbers. The company's net interest margin (NIM) expanded to 3.80% due to a rise in loan yields and stable funding costs, contributing to a solid growth in earning assets and deposits, with end-of-period loans increasing 4.1% quarter-over-quarter. Additionally, Ameris plans to leverage potential mergers and acquisitions within its geographic footprint, targeting an acceleration in loan growth and overall revenue generation as the market stabilizes.
Bears say
Ameris Bancorp's noninterest income faces challenges as the noninterest income ratio shows a decline in mortgage production margins to 2.20%, alongside a drop in the NIB to total deposit ratio to 30.4%. The bank is significantly vulnerable to economic downturns, with potential risks including heightened nonperforming assets and net charge-offs, which could adversely affect net income and earnings growth. Additionally, competitive pressures and NIM compression from a flat yield curve may hinder the bank's balance sheet growth and profitability, further contributing to a negative financial outlook.
This aggregate rating is based on analysts' research of Ameris Bancorp and is not a guaranteed prediction by Public.com or investment advice.
Ameris Bancorp (ABCB) Analyst Forecast & Price Prediction
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