ABCB
Ameris Bancorp
NYSE: ABCB · FINANCIAL SERVICES · BANKS - REGIONAL
$85.05
+0.40% today
Updated 2026-06-05
Market cap
$5.99B
P/E ratio
13.99
P/S ratio
5.11x
EPS (TTM)
$6.36
Dividend yield
0.92%
52W range
$59 – $89
Volume
0.5M
Ameris Bancorp (ABCB) Financial Forecast & Price Target 2030
Research-backed projections from analyst consensus, management guidance, and sector analysis.
Research-backed ABCB price target 2030 projection accounting for share dilution, balance sheet debt, and time value of money.
Current price
$85.05
Today
Analyst consensus
$90.17
+6.02% · 12M
2030 Base
$77.94
-8.36% future
NPV today
$50.86
@ 10% WACC
7 analysts:
4 Buy2 Hold0 Sell
Management guidance
CEO Palmer Proctor targets tangible book value of $50 per share through organic loan and deposit growth. Management emphasized strong organic growth opportunities and expressed no near-term M&A interest, indicating confidence in internal revenue generation. Q1 2026 showed strong core profitability (ROA >1.60%) and management expects continued organic loan/deposit expansion with modest margin compression.
Sources: Management guidance, analyst consensus, sector analysishigh confidence
ABCB · Ameris Bancorp · Revenue & price projection · 2023–2030E
Actual / 2030 target Projected revenue Base case price Bull to bear range
Bear case (2030)
$48.47
NPV today: $31.63
Base case (2030)
$77.94
NPV today: $50.86
Bull case (2030)
$166.36
NPV today: $108.57
WallStSmart.com
ABCB financial forecast · Research-backed projections
| Metric | 2025 | 2026 (E) | 2027 (E) | 2028 (E) | 2029 (E) | 2030 (E) ★ |
|---|---|---|---|---|---|---|
| Revenue | $1.7B | $1.3B | $1.4B | $1.6B | $1.8B | $2.0B |
| Revenue growth | 2.0% | 16.7% | 8.6% | 7.8% | 6.7% | 5.9% |
| Net margin | — | 35.9% | 35.3% | 34.6% | 32.8% | 31.2% |
| EPS | $5.99 | $6.91 | $7.58 | $8.18 | $8.72 | $9.21 |
| Diluted shares | — | 67M | 68M | 68M | 68M | 68M |
| Net debt | — | $-205.65M | $-435.03M | $-688.15M | $-972.89M | $-1.29B |
| P/S multiple | — | 2.0x | 2.0x | 2.0x | 2.0x | 2.0x |
| Implied price (base) | — | $41.59 | $49.34 | $57.41 | $67.45 | $77.94 |
★ 2030E is the model's terminal target year. Implied price = (Revenue × P/S − Net debt) ÷ Diluted shares.
Scenario detail · Three drivers, three outcomes
| 2030E driver | Bear | Base | Bull |
|---|---|---|---|
| Revenue | $2.0B | $2.0B | $2.0B |
| P/S multiple | 1.0x | 2.0x | 5.0x |
| Diluted shares | 68M | 68M | 68M |
| Net debt | $-1.29B | $-1.29B | $-1.29B |
| Implied P/E † | 5x | 9x | 18x |
| 2030 Price | $48.47 | $77.94 | $166.36 |
| NPV @ 10% | $31.63 | $50.86 | $108.57 |
† Implied P/E: Multiples remain elevated across all three scenarios because ABCB is valued primarily on revenue scale during its growth phase, not near-term earnings power. Lower P/E in the bear case reflects multiple compression, but the absolute level stays high since 2030E still represents a hypergrowth-to-mature transition year.
EV to per-share bridge · How we get to $77.94 base case
ABCB catalysts and risks
Growth catalysts
+ Strong organic loan growth (robust pipeline noted in Q1 2026 earnings)
+ Core deposit growth and granular deposit gathering strategy execution
+ Continued share repurchase program (5.33% retired since 2019, further capital return potential)
+ Margin stability above 3.80% NIM given deposit mix improvement
+ Digital banking and treasury management client acquisition driving fee income
Key risks
- Net Interest Margin compression if Fed maintains higher rate environment or inverts yield curve
- Rising deposit competition pressuring funding costs in regional markets
- Non-performing loan increase risk (noted in Q1 2026 as concern despite strong overall results)
- Economic slowdown reducing loan demand and increasing credit losses
- Regulatory capital requirements limiting dividend/buyback capacity
Methodology · Ameris Bancorp 2030 stock forecast model
Ameris Bancorp 2030 price target is calculated using WallStSmart's research model. Revenue projections are derived from analyst consensus across 7 Wall Street analysts, management guidance from the latest earnings call, and sector growth forecasts. The model is built on five core components:
| 1. Share dilution | Projected from per-ticker schedule of SBC + equity raise activity, compounding year by year (1% cumulative for ABCB by 2030) |
| 2. Net debt | EV minus net debt yields equity value; debt projected from capex cycle trajectory ($-1.29B by 2030) |
| 3. Time value | NPV calculated using 10% WACC (CAPM: beta 0.939) |
| 4. Multiple framework | P/S compresses with scale: bear 1.0x / base 2.0x / bull 5.0x |
| 5. Scenario design | Bull/Base/Bear vary revenue, margin, shares, debt, and multiple independently |
WallStSmart research model · Not financial advice · Past performance is not indicative of future results · Last researched: May 21, 2026.
ABCB price target FAQ
What is the ABCB price target for 2030?
WallStSmart's Ameris Bancorp 2030 base case is $77.94 per share, with a bull case of $166.36 and bear case of $48.47. The NPV of the base case discounted to today at 10% WACC is $50.86.
How is the Ameris Bancorp 2030 stock forecast calculated?
The ABCB 2030 projection multiplies projected revenue by a growth-adjusted P/S multiple to derive enterprise value, subtracts projected net debt to get equity value, then divides by diluted shares outstanding accounting for dilution from stock-based compensation and equity raises.
Why does the ABCB price target account for dilution?
Ameris Bancorp is projected to grow diluted share count from 67M to 68M by 2030 (a 1% increase) through stock-based compensation and capital raises. Ignoring this would inflate the price target by approximately 1%.
What is the analyst consensus on ABCB stock?
7 analysts cover ABCB with an average 12-month price target of $90.17. The 2030 projection extends this framework with longer-horizon assumptions including dilution and time value of money.