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    Ameris Bancorp (ABCB)

    Market Price (11/12/2026): $82.57 | Market Cap: $5.5 BilSector: Financials | Industry: Regional Banks

    Ameris Bancorp (ABCB)

    Market Price (11/12/2026): $82.57
    Market Cap: $5.5 Bil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.0%, FCF Yield is 11%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -39%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 54%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 51%

    Low stock price volatility
    Vol 12M is 22%

    Capital ratio is >2x the minimum of 6%
    Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Weak multi-year price returns
    2Y Excs Rtn is -7.6%

    Key risks
    ABCB key risks include [1] pressure on its net interest margin from interest rate fluctuations and deposit competition, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.0%, FCF Yield is 11%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -39%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 54%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 51%
    3 Low stock price volatility
    Vol 12M is 22%
    4 Capital ratio is >2x the minimum of 6%
    Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 13%
    5 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    6 Weak multi-year price returns
    2Y Excs Rtn is -7.6%
    7 Key risks
    ABCB key risks include [1] pressure on its net interest margin from interest rate fluctuations and deposit competition, Show more.

    ABCB in ETFs

    Weight = ABCB's share of each fund

    VTI0.01%
    ITOT0.01%
    IWM0.18%
    IJR0.30%
    VB0.06%
    KRE1.1%
    SLYG0.37%
    IJT0.36%
    +15 more covered ETFs

    Valuation & Metrics

    FYE: 12/31ABCB [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$1.2 Bil—
    FY 2026 Sales$1.3 Bil—
    FY 2027 Sales$1.3 Bil—
    FY 2026 Sales Growth3.6%—
    FY 2027 Sales Growth4.1%8.6%
    EARNINGS
    LTM Net Income (GAAP) [3]$386.4 Mil—
    FY 2026 Net Income (Non-GAAP)$450.2 Mil—
    FY 2027 Net Income (Non-GAAP)$478.2 Mil—
    FY 2027 Net Income Growth6.2%12.7%
    FY 2026 EPS (Non-GAAP)$6.68—
    FY 2027 EPS (Non-GAAP)$6.99—
    FY 2027 EPS Growth4.6%—
    VALUATION
    FY 2026 P/S4.31.7
    FY 2027 P/S4.1—
    FY 2026 P/E12.38.8
    FY 2027 P/E11.6—

    [1] ABCB forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 11/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    ABCBS&P 500
    REVENUE GROWTHFAIR
    Rev LTM ($ Bil)1.2
    Rev Chg Q3.0%8.8%
    Rev Chg LTM7.1%8.7%
    Rev Chg 3Y Avg5.6%6.5%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.7
    Net Inc LTM ($ Bil)0.4
    CFO/Rev LTM53.6%21.4%
    Net Inc Mgn31.2%13.5%
    VALUATIONLOW
    P/S4.53.2
    P/CFO8.315.3
    P/FCF8.720.5
    P/E14.321.8

    AI Analysis | Feedback

    MetricValueDateSource
    Businesses and Consumers Served1584011062025Link
    Number of Deposit Accountsapproximately 490,0009302025Link
    Average Deposit Account Size$45,3649302025Link
    Noninterest-Bearing Deposits as a Percentage of Total Deposits30.4%9302025Link
    Commercial and Industrial Loans as a Percentage of Total Loan Portfolio26%9302025Link
    Investor Commercial Real Estate Loans as a Percentage of Total Loan Portfolio25%9302025Link
    Residential Mortgages as a Percentage of Total Loan Portfolio19%9302025Link
    Retail Mortgage Division Quarterly Production$933,000,0003312025Link
    Retail Mortgage Division Annual Production$4,600,000,00012312024Link
    Retail Mortgage Division Gain on Sale Spreads2.37%12312024Link

    Price Chart

    Recent
    10/22/2026Earnings ReleaseRev: $320 Mil (A) vs. $326 Mil (E)
    EPS: 1.73 (A) vs. $1.68 (E)
    Upcoming
    1/28/2027Earnings ReleaseRev: $324 Mil (E)
    EPS: $1.69 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Prices as of 11/11/2026

    Down 16.0% from its Jul 16 high to Oct 14, up 6.2% since (S&P 500 up 2.5%)
    The stock declined without company news. This included its biggest down days on July 20, July 27, and August 19.

    Oct 23: up 0.3% the day after its Oct 22 earnings report (S&P 500 down 0.5%)
    The stock was flat after its Q3 earnings report showed revenue up 3%, net income up 9%, and diluted EPS up 12% year over year. These positive financial results were offset, leading to a limited movement.

    Show more
    Prices as of 11/11/2026

    Down 16.0% from its Jul 16 high to Oct 14, up 6.2% since (S&P 500 up 2.5%)
    The stock declined without company news. This included its biggest down days on July 20, July 27, and August 19.

    Oct 23: up 0.3% the day after its Oct 22 earnings report (S&P 500 down 0.5%)
    The stock was flat after its Q3 earnings report showed revenue up 3%, net income up 9%, and diluted EPS up 12% year over year. These positive financial results were offset, leading to a limited movement.

    Show less
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    Stock Movement Drivers

    Fundamental Drivers

    The -4.6% change in ABCB stock from 7/31/2026 to 11/11/2026 was primarily driven by a -13.6% change in the company's Net Income Margin (%).
    (LTM values as of)731202611112026Change
    Stock Price ($)86.9982.96-4.6%
    Change Contribution By: 
    Total Revenues ($ Mil)1,2031,2382.9%
    Net Income Margin (%)36.1%31.2%-13.6%
    P/E Multiple13.514.36.1%
    Shares Outstanding (Mil)68671.1%
    Cumulative Contribution-4.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/11/2026
    ReturnCorrelation
    ABCB-4.6% 
    Market (SPY)1.7%40.3%
    Sector (XLF)3.0%68.0%

    Fundamental Drivers

    The -2.2% change in ABCB stock from 4/30/2026 to 11/11/2026 was primarily driven by a -11.1% change in the company's Net Income Margin (%).
    (LTM values as of)430202611112026Change
    Stock Price ($)84.8582.96-2.2%
    Change Contribution By: 
    Total Revenues ($ Mil)1,1741,2385.5%
    Net Income Margin (%)35.1%31.2%-11.1%
    P/E Multiple14.014.32.4%
    Shares Outstanding (Mil)68671.9%
    Cumulative Contribution-2.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/11/2026
    ReturnCorrelation
    ABCB-2.2% 
    Market (SPY)6.0%30.3%
    Sector (XLF)12.9%56.8%

    Fundamental Drivers

    The 17.0% change in ABCB stock from 10/31/2025 to 11/11/2026 was primarily driven by a 15.4% change in the company's P/E Multiple.
    (LTM values as of)1031202511112026Change
    Stock Price ($)70.9182.9617.0%
    Change Contribution By: 
    Total Revenues ($ Mil)1,1261,23810.0%
    Net Income Margin (%)34.8%31.2%-10.2%
    P/E Multiple12.414.315.4%
    Shares Outstanding (Mil)69672.7%
    Cumulative Contribution17.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/11/2026
    ReturnCorrelation
    ABCB17.0% 
    Market (SPY)12.3%35.7%
    Sector (XLF)13.3%59.0%

    Fundamental Drivers

    The 130.1% change in ABCB stock from 10/31/2023 to 11/11/2026 was primarily driven by a 71.7% change in the company's P/E Multiple.
    (LTM values as of)1031202311112026Change
    Stock Price ($)36.0582.96130.1%
    Change Contribution By: 
    Total Revenues ($ Mil)1,0591,23817.0%
    Net Income Margin (%)28.1%31.2%10.9%
    P/E Multiple8.414.371.7%
    Shares Outstanding (Mil)69673.3%
    Cumulative Contribution130.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/11/2026
    ReturnCorrelation
    ABCB130.1% 
    Market (SPY)87.9%53.0%
    Sector (XLF)89.1%69.3%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    ABCB Return32%-4%14%19%20%13%134%
    Peers Return16%-2%3%15%5%4%45%
    S&P 500 Return27%-19%24%23%16%10%100%

    Monthly Win Rates [3]
    ABCB Win Rate75%42%50%58%67%55% 
    Peers Win Rate60%52%48%52%52%46% 
    S&P 500 Win Rate75%42%67%75%67%36% 

    Max Drawdowns [4]
    ABCB Max Drawdown-22%-29%-42%-16%-26%-16% 
    Peers Max Drawdown-24%-25%-39%-17%-23%-19% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: HOMB, TCBI, FHB, BOH, GBC. See ABCB Returns vs. Peers.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/11/2026 (YTD)

    How Low Can It Go

    EventABCBS&P 500
    2025 US Tariff Shock
      % Loss-22.7%-18.8%
      % Gain to Breakeven29.4%23.1%
      Time to Breakeven84 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-13.1%-9.5%
      % Gain to Breakeven15.1%10.5%
      Time to Breakeven8 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-40.3%-6.7%
      % Gain to Breakeven67.6%7.1%
      Time to Breakeven216 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-23.9%-24.5%
      % Gain to Breakeven31.4%32.4%
      Time to Breakeven104 days427 days
    2020 COVID-19 Crash
      % Loss-53.1%-33.7%
      % Gain to Breakeven113.4%50.9%
      Time to Breakeven289 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-35.4%-19.2%
      % Gain to Breakeven54.9%23.8%
      Time to Breakeven777 days105 days

    Compare to HOMB, TCBI, FHB, BOH, GBC

    In The Past

    Ameris Bancorp's stock fell -22.7% during the 2025 US Tariff Shock. Such a loss loss requires a 29.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventABCBS&P 500
    2025 US Tariff Shock
      % Loss-22.7%-18.8%
      % Gain to Breakeven29.4%23.1%
      Time to Breakeven84 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-40.3%-6.7%
      % Gain to Breakeven67.6%7.1%
      Time to Breakeven216 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-23.9%-24.5%
      % Gain to Breakeven31.4%32.4%
      Time to Breakeven104 days427 days
    2020 COVID-19 Crash
      % Loss-53.1%-33.7%
      % Gain to Breakeven113.4%50.9%
      Time to Breakeven289 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-35.4%-19.2%
      % Gain to Breakeven54.9%23.8%
      Time to Breakeven777 days105 days
    2008-2009 Global Financial Crisis
      % Loss-79.5%-53.4%
      % Gain to Breakeven386.8%114.4%
      Time to Breakeven1579 days1085 days
    Summer 2007 Credit Crunch
      % Loss-21.9%-8.6%
      % Gain to Breakeven28.1%9.5%
      Time to Breakeven2337 days47 days

    Compare to HOMB, TCBI, FHB, BOH, GBC

    In The Past

    Ameris Bancorp's stock fell -22.7% during the 2025 US Tariff Shock. Such a loss loss requires a 29.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Ameris Bancorp (ABCB)

    Ameris Bancorp (ABCB) is a bank holding company headquartered in Atlanta, Georgia, operating primarily through its subsidiary, Ameris Bank. It delivers a comprehensive range of banking services to both retail and commercial clients. The company concentrates its operations in the Southeastern United States, specifically across Georgia, Alabama, Florida, North Carolina, and South Carolina, where it maintains a network of 165 full-service banking offices and numerous mortgage and loan production offices.

    The company offers a diverse portfolio of financial products. For deposits, it provides commercial and retail checking accounts, various interest-bearing savings options, money market accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). On the lending side, Ameris Bancorp originates a wide array of loans, including commercial real estate, residential real estate mortgages, agricultural, and commercial and industrial loans. It also serves consumer needs with loans for motor vehicles, home improvements, home equity, and small unsecured personal credit lines.

    Beyond traditional banking, Ameris Bancorp operates several specialized divisions. It is actively involved in originating, administering, and servicing commercial insurance premium loans through its Premium Finance Division, and facilitates Small Business Administration (SBA) loans via its dedicated SBA Division. The company's business model is further structured into distinct segments such as the Banking Division, Retail Mortgage Division, and Warehouse Lending Division, reflecting its diversified approach to meeting the financial needs of its varied customer base.

    AI Analysis | Feedback

    Here are 1-3 brief analogies to describe Ameris Bancorp (ABCB):

    • A regional Bank of America focused on the Southeastern US.
    • Like a smaller Truist, providing a full suite of banking and specialized lending services across the Southeast.

    AI Analysis | Feedback

    • Deposit Accounts: Ameris Bancorp offers various checking, savings, money market, individual retirement, and certificates of deposit accounts for retail and commercial customers.
    • Commercial Loans: The company provides loans for commercial real estate, agricultural purposes, and general commercial and industrial needs.
    • Residential Real Estate Mortgages: It offers mortgage loans to individuals for purchasing or refinancing residential properties.
    • Consumer Loans: Ameris Bancorp provides personal loans for motor vehicles, home improvement, home equity, and small unsecured personal credit lines.
    • Small Business Administration (SBA) Loans: The company originates and services government-backed loans specifically designed for small businesses.
    • Commercial Insurance Premium Loans: Ameris Bancorp provides loans to businesses to finance their commercial insurance premiums.

    AI Analysis | Feedback

    Ameris Bancorp (ABCB) operates as a bank holding company that provides a range of banking services to a diverse customer base. Given the nature of its business, it does not have a few "major customers" that can be individually named. Instead, its customers fall into several categories, serving both individuals and various types of businesses. The three main categories of customers that Ameris Bancorp serves are:

    1. Retail Customers / Individuals: This category includes individual consumers who utilize Ameris Bank for their personal banking and lending needs. This encompasses services such as commercial and retail checking accounts, regular interest-bearing savings accounts, money market accounts, individual retirement accounts (IRAs), and certificates of deposit (CDs). Additionally, retail customers are served with residential real estate mortgage loans and various consumer loans, including motor vehicle loans, home improvement loans, home equity loans, loans secured by savings accounts, and small unsecured personal credit lines.
    2. Commercial Customers / Businesses: This broad category encompasses various businesses, from small enterprises to larger commercial entities, seeking banking and lending solutions. Ameris Bank provides commercial customers with business checking, savings, and money market accounts. Lending products for this segment include commercial real estate loans, agricultural loans, and commercial and industrial loans. The company also specializes in Small Business Administration (SBA) loans and commercial insurance premium loans through its dedicated divisions, catering to the specific financial needs of businesses in these areas.
    3. Other Financial Institutions: Through its Warehouse Lending Division, Ameris Bancorp serves other financial institutions. These customers are typically mortgage originators or other lenders who require credit lines to fund their loan originations, particularly residential mortgages, before those loans are subsequently sold on the secondary market. This represents a distinct business-to-business (B2B) relationship with entities within the financial services industry.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    H. Palmer Proctor Jr., Chief Executive Officer

    Palmer Proctor is the CEO of Ameris Bank and Ameris Bancorp, and he also serves on the Board of Directors for both entities. He holds degrees from Auburn University and The Stonier Graduate School of Banking, Georgetown University. Prior to joining Ameris, he held senior leadership roles, including President and CEO, at Fidelity Southern Corporation and Fidelity Bank before Ameris acquired Fidelity in 2019. Proctor is also a director of Brown & Brown, Inc., Inspire Brands, and Choate Construction Company, and a member of the Advisory Board of Allied Financial. He previously served as chairman of the Georgia Bankers Association.

    Nicole S. Stokes, Corporate Executive Vice President and Chief Financial Officer

    Nicole S. Stokes has served as Ameris Bank and Ameris Bancorp executive vice president and chief financial officer since January 2018. She initially joined Ameris Bank in December 2010 as controller and then served as Ameris Bank's chief financial officer starting in June 2016. Before her tenure at Ameris Bank, Stokes held positions as chief financial officer of PAB Bankshares and Park Avenue Bank, controller of The Bank in Birmingham, Alabama, and senior auditor of Synovus Financial Corporation.

    Lawton E. Bassett, III, Ameris Bank President and Ameris Bancorp Chief Banking Officer

    Lawton E. Bassett, III, has held the roles of Ameris Bank president and Ameris Bancorp chief banking officer since February 2017. His previous positions within the company include executive vice president and chief banking officer for the Georgia and Alabama regions, starting in January 2016, and regional president and market president from 2006 to 2016. Before joining Ameris, Bassett was president and chief executive officer of Citizens Security Bank, a former subsidiary of the company, from 2003 to 2006. He also held various commercial lending and leadership roles at Barnett Bank and SunTrust.

    James A. LaHaise III, Corporate Executive Vice President and Chief Strategy Officer

    James A. LaHaise III has served as Ameris's executive vice president and chief strategy officer since June 2018. Before this role, he was the executive vice president and chief banking officer for Georgia and Alabama starting in January 2016, and an executive vice president and commercial banking executive from June 2014 to January 2016. From January 2013 to June 2014, LaHaise was the president and chief executive officer of Coastal Bankshares, Inc. and The Coastal Bank, where he also served as executive vice president and chief banking officer from May 2007 to January 2013.

    Michael T. Pierson, Corporate Executive Vice President, Chief Governance Officer and Corporate Secretary

    Michael T. Pierson has been the corporate executive vice president and chief governance officer of Ameris Bank and Ameris Bancorp since March 2020, and corporate secretary since January 2022. Prior to these roles, he served as executive vice president and chief operations officer from July 2019 to March 2020. Before joining Ameris, Pierson spent 21 years with Fidelity Southern Corporation and Fidelity Bank, holding several leadership positions including head of commercial banking, mergers and acquisitions, and chief risk officer.

    AI Analysis | Feedback

    Here are the key risks to Ameris Bancorp (ABCB):

    1. Interest Rate Risk and Net Interest Margin (NIM) Compression: Ameris Bancorp's profitability is significantly susceptible to fluctuations in interest rates. The company's revenues are highly correlated to market interest rates, and unexpected changes can adversely affect its net interest income. A volatile interest rate environment, particularly increasing costs of deposits due to intense competition for funding, could continue to squeeze the bank's profitability and net interest margin.
    2. Credit Risk from Commercial Real Estate (CRE) Concentration and Economic Downturns: The bank's loan portfolio has a significant concentration in commercial real estate. A potential economic slowdown or downturn, or declining real estate values, poses a substantial threat to the quality of this loan portfolio and could lead to increased credit losses for Ameris Bancorp.
    3. Intense Competition: Ameris Bancorp operates in a highly competitive market within the Southeastern U.S. for both loans and deposits. This intense competition from other regional, national banks, and fintech companies can pressure loan and deposit pricing, potentially impacting the bank's growth, margins, and ability to attract and retain customers and deposits.

    AI Analysis | Feedback

    The clear emerging threat to Ameris Bancorp is the digital disruption of traditional banking and lending models by purely online banks (neobanks) and specialized fintech lending platforms. These competitors offer streamlined, mobile-first experiences, often with lower overheads and faster processes, challenging Ameris Bancorp's branch-based network and diversified lending segments by attracting customers who prioritize digital convenience and potentially more competitive rates.

    AI Analysis | Feedback

    Here are the addressable market sizes for Ameris Bancorp's main products and services in their operating regions:

    Small Business Administration (SBA) Loans:

    • Georgia: Approximately $1.6 billion in total approved SBA loans in fiscal year 2024.
    • North Carolina: Approximately $1.09 billion in SBA 7(a) loan approvals in 2025.
    • Florida: Approximately $2.97 billion in SBA 7(a) loan approvals in 2025.
    • South Carolina: Approximately $461.3 million in SBA 7(a) loan approvals in 2025.
    • Alabama: Approximately $361.1 million in SBA 7(a) and 504 funding in fiscal year 2024.

    Real Estate Loans (Commercial and Residential):

    This category encompasses both commercial real estate and residential real estate mortgage loans.

    • Georgia: The "Real Estate Loans & Collateralized Debt industry" market size is projected to be $18.4 billion in 2026. Additionally, the annual commercial real estate investment volume in Georgia is approximately $19.8 billion.
    • Alabama: The "Real Estate Loans & Collateralized Debt industry" market size is projected to be $3.8 billion in 2026.
    • Florida: The "Real Estate Loans & Collateralized Debt industry" market size is projected to be $17.7 billion in 2026.
    • North Carolina: The "Real Estate Loans & Collateralized Debt industry" market size is projected to be $6.4 billion in 2026.
    • South Carolina: The "Real Estate Loans & Collateralized Debt industry" market size is projected to be $4.1 billion in 2026.

    Commercial Insurance Premium Loans:

    • United States: The commercial insurance premium finance segment is estimated to have grown to $60 billion of annual originations as of Fall 2025.

    Agricultural Loans: null

    Commercial and Industrial Loans: null

    Consumer Loans: null

    AI Analysis | Feedback

    Expected Drivers of Future Revenue Growth for Ameris Bancorp (ABCB)

    Ameris Bancorp (ABCB) is positioned for future revenue growth over the next 2-3 years, driven by several strategic initiatives and favorable market conditions. The company's focus areas, as indicated in recent earnings reports and analyst commentary, include robust loan and deposit growth, strategic market expansion, and sustained mortgage banking activity.

    • Loan Growth: Ameris Bancorp anticipates continued expansion in its loan portfolio, projecting mid-single-digit growth for 2026. This growth is expected across various segments, with particular emphasis on Commercial & Industrial (C&I) loans, mortgage warehouse lending, and premium finance. Management highlighted strong loan production pipelines as a key factor in driving future interest income.
    • Deposit Growth and Strategic Funding: A critical driver for funding loan growth, Ameris Bancorp is focused on expanding its core deposit base. While acknowledging potential slight margin compression due to deposit costs, the company emphasizes that deposit growth is essential to support its asset generation targets and maintain a healthy balance sheet. The bank has demonstrated strong deposit growth, including non-interest-bearing deposits.
    • Expansion in Southeastern Markets: Leveraging favorable economic and population growth trends in its core operating regions of Georgia, Alabama, Florida, North Carolina, and South Carolina, Ameris Bancorp aims to capture additional market share. The company plans to achieve this through experienced bankers and its granular deposit base, signifying a strategy of organic growth within its established geographic footprint.
    • Mortgage Banking Activity: Despite seasonal fluctuations and interest rate volatility, the retail mortgage division continues to be a significant contributor to non-interest income. The company has experienced periods of substantial mortgage production growth, such as a 36% increase in the second quarter of 2025, underscoring its role in diversified revenue generation.
    • Net Interest Margin (NIM) Management: While forecasting some slight margin compression in upcoming quarters due to deposit cost pressures, Ameris Bancorp has consistently demonstrated effective management of its net interest margin, which expanded every quarter in 2025. Maintaining a strong NIM is crucial for maximizing net interest income, the primary source of the bank's revenue.

    AI Analysis | Feedback

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    Share Repurchases

    • Ameris Bancorp spent $82.9 million on share buybacks in fiscal year 2025, which was a 942.2% increase from the prior year.
    • In 2025, the company repurchased $77 million, representing 2% of the company's shares, at an average price under $67.
    • In October 2025, the board authorized a share repurchase program of up to $200 million, effective through October 31, 2026. Approximately $159.2 million remained available under this program as of January 2026.

    Share Issuance

    • For both 2025 and 2024, share-based compensation and issuances of restricted stock resulted in only a small change in the company's capital.
    • Ameris Bancorp's shares outstanding decreased by 0.52% in 2025 from 2024, 0.06% in 2024 from 2023, and 0.46% in 2023 from 2022.

    Capital Expenditures

    • Ameris Bancorp invested $20.5 million in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
    • This amount represented a 52.4% increase in capital expenditures from the prior year.
    • As of December 31, 2025, estimated costs for construction projects in progress and other binding capital expenditure commitments were not considered material.
    ```

    Peer Outperformance in Regional Banks

    ABCB has outperformed 61% of its 261 Regional Banks peers over 5Y. Among the peers that beat it are FCNCA, FBP and BPOP. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that ABCB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    15%
    of 281 industry peers · 11.9% return
    3Y
    72%
    of 272 industry peers · 117.6% return
    5Y
    61%
    of 261 industry peers · 61.2% return
    Regional Banks peers with revenue growth within 4pp of ABCB's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    ABCB Ameris Bancorp 5.6% 14.3x 11.9%117.6%61.2% —
    FCNCA First Citizens BancShares 8.2% 10.9x 27.9%66.7%179.2% +118pp
    FBP First BanCorp 3.3% 10.8x 33.3%107.3%119.5% +58pp
    BPOP Popular 7.0% 10.1x 41.0%154.8%119.2% +58pp
    OFG OFG Bancorp 3.6% 9.6x 30.4%77.2%118.2% +57pp
    SRCE 1st Source 7.5% 11.9x 45.8%100.6%95.6% +34pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is ABCB's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.6%69.0%118.3% SPNT 191% · RGA 170% · RNR 135%
    Diversified Banks 12 31.0%143.6%92.5% CM 148% · JPM 132% · RY 130%
    Investment Banking & Brokerage 13 -3.3%95.3%89.6% IBKR 363% · SNEX 173% · GS 160%
    Life & Health Insurance 20 11.8%56.7%84.2% JXN 438% · UNM 259% · FG 230%
    Multi-Sector Holdings 3 10.7%60.4%72.2% BRK-B 107% · VOYA 72% · JEF 36%
    Property & Casualty Insurance 42 14.3%73.2%66.0% TRV 178% · ACGL 177% · PGR 172%
    Multi-line Insurance 9 9.8%75.3%61.9% AIZ 119% · GNW 101% · L 97%
    Regional Banks ← 262 29.9%93.8%48.9% CBC 278% · FCNCA 179% · NIC 140%
    Insurance Brokers 15 3.8%9.1%27.2% LIFE 336% · ARX 89% · WTW 55%
    Financial Exchanges & Data 15 17.7%33.3%17.9% CBOE 205% · VIRT 156% · CME 75%
    Asset Management & Custody Banks 84 -6.1%20.5%11.1% VCTR 268% · WT 242% · AAMI 221%
    Diversified Financial Services 4 -6.9%19.3%9.0% FRHC 137% · EQH 83%
    Commercial & Residential Mortgage Finance 14 -44.9%15.6%0.9% FNMA 343% · FMCC 296% · ACT 164%
    Consumer Finance 30 -0.5%79.8%0.1% ENVA 314% · FCFS 127% · AXP 90%
    Specialized Finance 3 16.8%27.8%-19.0% HASI -19% · CACC -24%
    Transaction & Payment Processing Services 17 19.1%9.8%-25.8% V 110% · CPAY 93% · MA 92%
    Mortgage REITs 34 -20.2%-11.1%-41.0% RITM 34% · DX 14% · AGNC 7%
    Diversified Capital Markets 19 -40.7%-3.9%-60.4% LPLA 87% · TW 40% · RIOT -54%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    Peer Comparisons

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    Financials

    ABCBHOMBTCBIFHBBOHGBCMedian
    NameAmeris B.Home Ban.Texas Ca.First Ha.Bank of .Georgia . 
    Mkt Price82.5730.22101.0324.8669.7933.5351.66
    Mkt Cap5.56.04.43.02.8-4.4
    Rev LTM1,2381,1171,327873760-1,117
    Op Inc LTM-------
    FCF LTM635478472365205-472
    FCF 3Y Avg417434405297200-405
    CFO LTM664508488385255-488
    CFO 3Y Avg438465438324228-438

    Growth & Margins

    ABCBHOMBTCBIFHBBOHGBCMedian
    NameAmeris B.Home Ban.Texas Ca.First Ha.Bank of .Georgia . 
    Rev Chg LTM7.1%6.0%33.1%7.8%14.2%-7.8%
    Rev Chg 3Y Avg5.6%3.7%8.1%2.5%3.2%-3.7%
    Rev Chg Q3.0%3.0%9.1%1.6%12.9%-3.0%
    QoQ Delta Rev Chg LTM0.8%0.7%2.2%0.4%3.0%-0.8%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM53.6%45.5%36.8%44.0%33.5%-44.0%
    CFO/Rev 3Y Avg37.1%44.3%39.2%39.1%33.1%-39.1%
    FCF/Rev LTM51.3%42.7%35.5%41.8%26.9%-41.8%
    FCF/Rev 3Y Avg35.3%41.4%36.1%35.7%29.2%-35.7%

    Valuation

    ABCBHOMBTCBIFHBBOHGBCMedian
    NameAmeris B.Home Ban.Texas Ca.First Ha.Bank of .Georgia . 
    Mkt Cap5.56.04.43.02.8-4.4
    P/S4.55.43.33.53.6-3.6
    P/Op Inc-------
    P/EBIT-------
    P/E14.312.412.111.011.7-12.1
    P/CFO8.311.99.07.910.8-9.0
    Total Yield8.0%10.9%8.3%13.3%12.6%-10.9%
    Dividend Yield1.0%2.8%0.0%4.2%4.1%-2.8%
    FCF Yield 3Y Avg8.3%7.9%11.2%9.8%7.7%-8.3%
    D/E0.20.10.20.00.2-0.2
    Net D/E-0.4-0.3-0.6-1.0-1.0--0.6

    Returns

    ABCBHOMBTCBIFHBBOHGBCMedian
    NameAmeris B.Home Ban.Texas Ca.First Ha.Bank of .Georgia . 
    1M Rtn4.0%6.8%12.8%0.9%4.1%-12.4%4.1%
    3M Rtn-6.5%-2.2%0.4%-9.2%-11.3%-12.4%-7.8%
    6M Rtn0.1%19.1%5.7%-3.0%-6.2%-12.4%-1.4%
    12M Rtn11.3%13.8%16.1%4.0%8.8%-12.4%10.1%
    3Y Rtn116.5%60.0%85.9%55.3%53.2%-12.4%57.7%
    1M Excs Rtn8.3%11.0%16.3%5.3%9.0%-8.8%8.6%
    3M Excs Rtn-3.9%0.7%4.0%-6.3%-8.2%-8.9%-5.1%
    6M Excs Rtn-0.9%18.1%4.6%-4.0%-7.2%-13.4%-2.5%
    12M Excs Rtn2.9%3.8%6.7%-5.8%-0.1%-22.4%1.4%
    3Y Excs Rtn34.6%-16.5%6.0%-22.0%-26.1%-84.0%-19.3%

    Comparison Analyses

    null

    FDIC Bank Data

    Bank Assets

    FDIC Data As Of3312018
    ASSETS 
    Cash Balance ($ Bil)0
    Securities ($ Bil)1
    Net Loans ($ Bil)6
    Trading Assets ($ Bil)0
    Bank Premises Assets ($ Bil)0
    Other Real Estate Owned ($ Bil)0
    Goodwill & Intangibles ($ Bil)0
    Other Assets ($ Bil)0
    Total Assets (Sum) ($ Bil)8
    Total Assets (Reported) ($ Bil)8
    Risk Weighted Assets ($ Bil)6
    SECURITIES DETAILS 
    US Govt Securities ($ Bil)1
    Equity Securities Not Held for Trading ($ Bil)0
    Total Debt Securities ($ Bil)1
    Mortgage-Backed Securities ($ Bil)1
    SECURITIES VALUATION 
    Securities Held to Maturity (Book Value) ($ Bil)0
    Securities Available for Sale (Fair Market) ($ Bil)1

    Bank Loans

    FDIC Data As Of3312018
    LOAN DETAILS 
    All Real Estate Loans ($ Bil)4
    Farm Loans ($ Bil)0
    Commercial and Industrial Loans ($ Bil)1
    Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)0
    Commercial Real Estate Loans not Secured by Real Estate ($ Bil)0
    Commercial Real Estate Owner-Occupied ($ Bil)1
    Commercial Real Estate Other Non-Farm Non-Residential ($ Bil)1
    Total Net Loans ($ Bil)6

    Financials

    $ Mil | FY: 12/312026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q4
    Period End9/30/20266/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/2023
    Filing Date11/6/20268/7/20265/8/20262/26/202611/7/20258/8/20255/9/20252/28/202511/8/20248/8/20245/9/20242/28/2024
    Key Financials Quarterly            
    Total Revenue315318306299305292277281275290257253
    Net Income11651110108106110889499917466
    EPS1.740.771.641.591.551.601.281.371.441.321.080.96
    Key Financials TTM            
    Total Revenue TTM1,2381,2291,2031,1741,1561,1261,1241,1041,0761,0641,0411,043
    Net Income TTM386376435412398391372359330311283269
    Growth Rates Quarterly            
    Total Revenue Growth3.0%8.8%10.5%6.3%10.9%0.7%7.7%11.0%4.7%8.5%-0.6%-4.0%
    Net Income Growth9.5%-53.2%25.7%14.8%6.9%21.0%18.3%43.1%23.8%44.9%23.0%-19.8%
    Margins Quarterly            
    Net Income Margin36.9%16.2%36.1%36.2%34.7%37.6%31.7%33.6%36.0%31.3%28.9%26.0%
    Cash & Debt            
    Total Cash3,2173,2211,5773,2963,1752,3672,5122,8922,8012,8932,6262,570
    Total Debt1,0641,3851,0236924715104104244781,078762640
    Net Debt / (Cash)-2,154-1,835-554-2,604-2,704-1,857-2,103-2,468-2,322-1,816-1,863-1,930
    Cash Flows Quarterly            
    Net Cash from Operations2207925710710561117131102-9719213
    Total CapEx-6-9-8-6-4-8-3-4-2-3-3-6
    Free Cash from Operations2147124910110154114126100-10015207
    Cash Flows TTM            
    Net Cash from Operations TTM664549530390414411252154237266456569
    Total CapEx TTM-28-27-26-21-19-17-13-13-15-16-18-18
    Free Cash from Operations TTM635522505370395394240141222250438551
    Returns to Shareholders Quarterly            
    Dividends131314141414141010101010
    Share Repurchases0208441813210-0353
    Return on Invested Capital (ROIC) Quarterly            
    ROIC--46.5%---------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM--45.8%---------
    Share Count            
    Basic Shares (Wtd Avg, Mil)66.866.967.568.068.468.668.868.868.868.868.868.8
    Diluted Shares (Wtd Avg, Mil)67.067.167.868.368.768.869.069.269.169.069.069.0

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking Division905814791759527
    Retail Mortgage Division226261225261365
    Premium Finance Division4536343428
    Warehouse Lending Division3231273140
    Small Business Administration (SBA) Division    61
    Total1,2081,1421,0781,0851,021


    Operating Income by Segment
    $ Mil201520142013
    Banking Division33  
    Retail Mortgage Division14  
    Warehouse Lending Division5  
    SBA Division43 
    Mortgage Banking 105
    Retail Banking 4324
    Total575629


    Net Income by Segment
    $ Mil20252024202320222021
    Banking Division307231172240173
    Retail Mortgage Division61896265114
    Premium Finance Division2218161814
    Warehouse Lending Division2221192331
    Small Business Administration (SBA) Division    45
    Total412359269347377


    Assets by Segment
    $ Mil20252024202320222021
    Banking Division19,93618,95418,29218,10517,537
    Retail Mortgage Division4,6614,8294,9174,7404,232
    Premium Finance Division1,7471,4961,1701,192910
    Warehouse Lending Division1,1729838251,016761
    Small Business Administration (SBA) Division    419
    Total27,51626,26225,20425,05323,858


    Price Behavior

    Price Behavior
    Market Price$82.96 
    Market Cap ($ Bil)5.5 
    First Trading Date05/19/1994 
    Distance from 52W High-10.7% 
       50 Days200 Days
    DMA Price$82.02$83.51
    DMA Trenddownindeterminate
    Distance from DMA1.1%-0.7%
     3M1YR
    Volatility16.6%21.5%
    Downside Capture51.4155.21
    Upside Capture21.1063.64
    Correlation (S&P 500)37.1%36.3%
    ABCB Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta-0.090.140.310.330.551.01
    Up Beta-2.32-1.060.210.160.621.10
    Down Beta-0.08-0.12-0.05-0.060.240.91
    Up Capture34%33%27%39%58%115%
    Bmk +ve Days12182862130427
    Stock +ve Days10202958123372
    Down Capture-24%47%65%63%66%99%
    Bmk -ve Days10253664121325
    Stock -ve Days12233568128377

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ABCB
    ABCB13.5%21.5%0.49-
    Sector ETF (XLF)12.1%15.3%0.5359.0%
    Equity (SPY)12.5%13.7%0.6035.9%
    Gold (GLD)-3.5%28.8%-0.1312.1%
    Commodities (DBC)33.0%21.3%1.24-22.3%
    Real Estate (VNQ)11.7%14.2%0.5347.3%
    Bitcoin (BTCUSD)-30.9%43.5%-0.7313.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ABCB
    ABCB10.2%31.6%0.34-
    Sector ETF (XLF)9.5%18.4%0.3770.4%
    Equity (SPY)11.8%17.3%0.5155.5%
    Gold (GLD)17.1%19.2%0.72-0.6%
    Commodities (DBC)7.9%19.6%0.297.7%
    Real Estate (VNQ)1.3%18.9%-0.0452.6%
    Bitcoin (BTCUSD)3.1%51.5%0.2420.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with ABCB
    ABCB10.0%37.0%0.37-
    Sector ETF (XLF)13.6%22.1%0.5576.0%
    Equity (SPY)15.5%18.0%0.7358.2%
    Gold (GLD)11.5%16.6%0.57-4.6%
    Commodities (DBC)7.4%18.2%0.3318.9%
    Real Estate (VNQ)6.1%20.7%0.2554.3%
    Bitcoin (BTCUSD)58.6%66.3%0.9913.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10302026
    Short Interest: Shares Quantity2.5 Mil
    Short Interest: % Change Since 10152026-10.1%
    Average Daily Volume0.5 Mil
    Days-to-Cover Short Interest5.4 days
    Basic Shares Quantity66.8 Mil
    Short % of Basic Shares3.8%

    Returns Analyses

    Earnings Returns History

    Updated 11/1/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/22/20260.3%0.5% 
    7/23/2026-1.6%-1.8%-3.3%
    4/23/20260.3%0.7%0.1%
    1/29/2026-0.8%3.7%-2.4%
    10/27/2025-1.9%-2.8%2.5%
    7/28/20255.3%0.3%10.0%
    4/28/20253.6%5.6%8.1%
    1/30/20250.1%4.4%-2.2%
    ...
    SUMMARY STATS   
    # Positive141615
    # Negative1088
    Median Positive2.2%5.7%8.1%
    Median Negative-1.2%-2.6%-3.5%
    Max Positive6.7%11.9%20.2%
    Max Negative-5.3%-12.2%-13.9%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/22/20260.3%0.5% 
    7/23/2026-1.6%-1.8%-3.3%
    4/23/20260.3%0.7%0.1%
    1/29/2026-0.8%3.7%-2.4%
    10/27/2025-1.9%-2.8%2.5%
    7/28/20255.3%0.3%10.0%
    4/28/20253.6%5.6%8.1%
    1/30/20250.1%4.4%-2.2%
    10/24/2024-2.8%-1.7%13.9%
    7/25/20241.4%-4.1%1.7%
    4/25/20240.8%2.5%1.1%
    1/25/2024-0.1%-7.3%-13.9%
    10/26/2023-0.7%11.9%17.2%
    7/27/20232.1%6.7%-5.1%
    4/27/2023-0.8%-12.2%-3.7%
    1/26/2023-0.7%6.4%2.8%
    10/27/20221.0%-2.4%1.5%
    7/26/20226.7%8.3%13.1%
    4/26/20226.0%8.6%11.1%
    1/27/2022-1.6%-2.3%-0.3%
    10/29/20212.8%5.2%-7.1%
    7/23/20212.3%5.7%6.1%
    4/22/20214.4%11.6%20.2%
    1/28/2021-5.3%6.2%18.7%
    SUMMARY STATS   
    # Positive141615
    # Negative1088
    Median Positive2.2%5.7%8.1%
    Median Negative-1.2%-2.6%-3.5%
    Max Positive6.7%11.9%20.2%
    Max Negative-5.3%-12.2%-13.9%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    09/30/202611/06/202610-Q
    06/30/202608/07/202610-Q
    03/31/202605/08/202610-Q
    12/31/202502/26/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/09/202410-Q
    12/31/202302/28/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/08/202310-Q
    12/31/202202/28/202310-K
     Collapse to Preview
    Report DateFiling DateFiling
    09/30/202611/06/202610-Q
    06/30/202608/07/202610-Q
    03/31/202605/08/202610-Q
    12/31/202502/26/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/08/202510-Q
    03/31/202505/09/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/08/202410-Q
    03/31/202405/09/202410-Q
    12/31/202302/28/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/08/202310-Q
    03/31/202305/08/202310-Q
    12/31/202202/28/202310-K
    09/30/202211/07/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/06/202210-Q
    12/31/202102/28/202210-K
    09/30/202111/08/202110-Q
    06/30/202108/09/202110-Q
    03/31/202105/07/202110-Q
    12/31/202002/26/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/11/202010-Q
    12/31/201903/09/202010-K

    Insider Activity

    Updated 8/19/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Hill, Leo J SpouseSell310202675.150235,093Form
    2Hill, Leo J DirectSell310202675.150241,146,453Form
    3Strange, Douglas DChief Credit OfficerDirectSell224202678.761472,451,799Form
    4Stokes, Nicole SCFODirectSell224202679.201426,827,832Form
    5Creasy, Ross LChief Information OfficerDirectSell224202679.401424,628,852Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Hill, Leo J SpouseSell310202675.150235,093Form
    2Hill, Leo J DirectSell310202675.150241,146,453Form
    3Strange, Douglas DChief Credit OfficerDirectSell224202678.761472,451,799Form
    4Stokes, Nicole SCFODirectSell224202679.201426,827,832Form
    5Creasy, Ross LChief Information OfficerDirectSell224202679.401424,628,852Form
    6Lahaise, James AChief Strategy OfficerDirectSell223202682.936,641550,7389,244,207Form
    7Strange, Douglas DChief Credit OfficerSpouseSell223202671.62205  Form
    8Stern, William H DirectBuy1210202577.2230823,7503,650,448Form
    9Stern, William H DirectBuy916202574.1432023,7503,477,265Form

    Investor Activity (13F)

    Updated Nov 12, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Shapiro Capital Management LLC$10.5 Mil0.7%50TRIM -30.0%13F
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Shapiro Capital Management LLC$10.5 Mil0.7%50TRIM -30.0%13F
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Shapiro Capital Management LLC$10.5 Mil0.7%50TRIM -30.0%13F

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