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ABCB

Ameris Bancorp
Chart
87.73 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalMID
Snapshot 2026-07-26 · 0.6w · Fresh
0.84
OS Score
67.0%
Value
64.0%
Quality
79.0%
Momentum
6/9
F-Score
0.655
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
8 of 23 passing
★
OS Composite
OS 0.840
↗
Trending Value
✗
◆
Quality × Value
QV 0.655
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
2.3%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 38%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 21%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.83
⚡
Risk-Adj Momentum
RAM 1.84
V
Value Analysis
Cheapness relative to fundamentals
67.0%ile
P/E
15.6×
P/S
3.5×
P/B
1.4×
E/P
0.0689
FCF Yield
0.058
EBITDA/EV
0.075
SH Yield
0.023
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
67.00000000
/100 — 1=cheapest
VC2 (Trending Value)
68.00000000
/100
VC3 (Buyback)
69.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
64.0%ile
ROE
0.092
ROA
0.013
Net Margin
0.222
Op Margin
0.286
GPA
0.042
D/E
5.96
Current
0.01
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.047
Earn Growth
-0.038
Stability
0.205
lower=better
Accruals
0.000
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 5.96 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
79.0%ile
6M Return
9.3%
12M Return
33.1%
12-1 Mom
37.8%
Risk-Adj
1.84
Vol 252d
20.6%
Vol 60d
47.3%
↑ Expanding
Max DD 12M
-13.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 38% is very strong — a clear uptrend. Risk-adjusted momentum of 1.84 is excellent — strong returns relative to volatility. Near-term vol (47%) is expanding vs long-term (21%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.84
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
24.4%
Sector Quality %ile
38.3%
P/E z-score
-0.05
P/B z-score
-0.06
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
HG Hamilton Insurance Group, Ltd. 98.0% 96.0% 81.0% 91.0%
MCY Mercury General Corporation 98.0% 95.0% 83.0% 87.0%
IX Orix Corp Ads 98.0% 97.0% 82.0% 91.0%
Factor Interactions
Volatility Expanding
60-day vol (47%) significantly exceeds 252-day (21%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
59.8% avg (7 factors)
Quality
D
36.0% avg (8 factors)
Momentum
B
68.5% avg (4 factors)
Risk
A
82.3% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.840—8—
Value %ile0.670—0—
Quality %ile0.640—0—
Momentum %ile0.790—8—
F-Score6.000—0—
Confidence1.000—8—
Volatility0.206—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
15.64
Earnings Yield (E/P)
0.0689
Price / Sales
3.47
Price / Book
1.44
Price / Cash Flow
15.09
FCF Yield
5.8%
EBITDA / EV
7.5%
Sales Yield (1/P·S)
0.2411
Shareholder Yield
Div + net buyback / mktcap
2.3%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.2%
Return on Assets
1.3%
Net Margin
22.2%
Operating Margin
28.6%
Gross Profit / Assets
Novy-Marx GPA
4.2%
Debt / Equity
5.96
Current Ratio
0.01
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.000
External Financing
Net issuance — lower=better
0.003
MomentumPrice trend strength over different horizons
6M Return
9.3%
12M Return
33.1%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
37.8%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.84
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
4.7%
Earnings Growth (YoY)
-3.8%
Earnings Stability (CV)
Lower = more stable
0.205
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Dividend Yield
0.9%
Buyback Yield
1.4%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
67
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
68
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
69
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity