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ABCB

Ameris Bancorp
Chart
$85.47
Latest Week 2026-06-05
Financial ServicesBanks - RegionalMID
Snapshot 2026-06-07 · 0.0w · Fresh
0.89
OS Score
73.0%
Value
67.0%
Quality
81.0%
Momentum
5/9
F-Score
0.699
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
7 of 23 passing
★
OS Composite
OS 0.890
↗
Trending Value
✗
◆
Quality × Value
QV 0.699
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
3.5%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 41%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
Vol 21%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 2.00
V
Value Analysis
Cheapness relative to fundamentals
73.0%ile
P/E
13.2×
P/S
4.8×
P/B
1.4×
E/P
0.0756
FCF Yield
0.093
SH Yield
0.035
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
33.00000000
/100 — 1=cheapest
VC2 (Trending Value)
28.00000000
/100
VC3 (Buyback)
28.00000000
/100
FCF yield of 9.3% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
67.0%ile
ROE
0.106
ROA
0.015
Net Margin
0.361
F-Score
5/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.063
Earn Growth
0.167
Stability
0.090
lower=better
Accruals
-0.003
lower=better
5yr Consist
Yes
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
81.0%ile
6M Return
12.2%
12M Return
39.2%
12-1 Mom
40.9%
Risk-Adj
2.00
Vol 252d
20.5%
Vol 60d
46.9%
↑ Expanding
Max DD 12M
-13.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 41% is very strong — a clear uptrend. Risk-adjusted momentum of 2.00 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
0.89
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
28.9%
Sector Quality %ile
32.5%
P/E z-score
-0.04
P/B z-score
-0.05
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
BOTJ Bank of the James Financial Group 98.0% 92.0% 89.0% 88.0%
VBNK VersaBank 98.0% 94.0% 85.0% 91.0%
Factor Interactions
Trending Value Signal
Cheap (73th value) with strong momentum (81th). The market is starting to recognise the value.
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
B
70.0% avg (6 factors)
Quality
C
49.9% avg (4 factors)
Momentum
B
73.1% avg (4 factors)
Risk
A
82.5% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.890—1—
Value %ile0.730—1—
Quality %ile0.670—0—
Momentum %ile0.810—1—
F-Score5.000—0—
Confidence0.758—1—
Volatility0.205—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
13.24
Earnings Yield (E/P)
0.0756
Price / Sales
4.78
Price / Book
1.41
Price / Cash Flow
10.85
FCF Yield
9.3%
Sales Yield (1/P·S)
0.2208
Shareholder Yield
Div + net buyback / mktcap
3.5%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
10.6%
Return on Assets
1.5%
Net Margin
36.1%
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.003
External Financing
Net issuance — lower=better
0.005
MomentumPrice trend strength over different horizons
6M Return
12.2%
12M Return
39.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
40.9%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
2.00
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
6.3%
Earnings Growth (YoY)
16.7%
Earnings Stability (CV)
Lower = more stable
0.090
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
5
Dividend Yield
1.0%
Buyback Yield
2.5%
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
33
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
28
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
28
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