Ameris Bancorp — Earnings Quality Grade A
ABCB · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 6.3%, CFFO 153.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 52.4% is >2x revenue growth 6.3%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.95. Profits backed by cash
FCF $0.4B, FCF/NI = 0.90
Accruals ratio = 0.1%. Low accruals
Cash $1.1B covers debt $0.7B
Balance Sheet Health
Goodwill+Intangibles $1.1B = 26% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Ameris Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25