Ameris Bancorp

10-Year Study

ABCB.US · Financial Services · US · Common Stock

Executive Summary: Ameris Bancorp has compounded at 11.5% annually over the last 10 years, with a maximum drawdown of 57.4% and an annualized volatility of 32.0%.

1Y CAGR
+39.3%
3Y CAGR
+40.8%
5Y CAGR
+10.0%
10Y CAGR
+11.5%

History & Riski10-year historical performance analysis including CAGR, Max Drawdown, Sharpe & Sortino ratios, annual returns, and rolling volatility — all computed from daily market data.

10-Year Growth of $10,000

Max DrawdownMax DrawdownThe largest peak-to-trough decline in the asset's value over the measurement period.Click for full definition →
57.4%
Sharpe RatioSharpe RatioRisk-adjusted return: how much excess return you earn per unit of total risk (volatility).Click for full definition →
0.42
Sortino RatioSortino RatioLike Sharpe, but only penalizes downside volatility — a more accurate risk measure for asymmetric return distributions.Click for full definition →
0.66
Ann. VolatilityAnnualized VolatilityThe annualized standard deviation of an asset's returns — a measure of how much prices fluctuate.Click for full definition →
33.9%
Best YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2019 · +36.1%
Worst YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2018 · -33.7%
% Positive Years% Positive YearsThe percentage of calendar years in the measurement period where the asset delivered a positive return.Click for full definition →
70%

Annual Returns

Rolling 12-Month Returns

Rolling 12-Month Annualised Volatility

Historical Drawdowns

Monthly Returns

Monthly Returns Heatmap

YearJanFebMarAprMayJunJulAugSepOctNovDecAnn.
20268.5-3.70.45.9————————11.3%
20254.9-1.6-10.51.84.95.65.67.20.3-2.35.8-1.720.1%
2024-6.4-6.74.8-1.95.21.120.91.21.5-0.613.4-10.719.4%
20230.01.5-23.3-8.4-5.88.927.6-6.6-5.4-2.814.224.914.3%
2022-0.70.4-11.1-5.09.3-11.517.7-1.3-3.915.22.7-10.6-3.8%
20212.721.810.53.01.6-7.6-4.01.35.71.0-7.12.432.0%
2020-5.5-15.0-30.07.0-4.7-2.0-2.26.2-6.528.616.112.4-8.3%
201919.87.4-15.56.1-3.211.31.5-11.514.86.51.9-2.236.1%
201811.1-0.7-0.3-2.37.7-4.0-12.76.5-7.8-6.1-0.1-25.8-33.7%
20173.47.1-4.32.2-8.011.4-5.0-3.89.2-0.23.5-2.611.5%
2016———6.21.4-6.511.65.00.73.923.6-2.648.4%

Risk X-RayiA 19-factor macroeconomic risk decomposition showing exactly which market forces (equity beta, rates, inflation, credit, commodity, crypto) drive this asset's volatility. Powered by multivariate regression against daily factor returns.

Risk Profile Insight: This asset has an estimated annualized volatility of 32.0%. The dominant macroeconomic risk driver is IJR.US, accounting for 69.4% of variance. Idiosyncratic stock-specific factors contribute 16.4%.

10-Year Historical Price Series (Growth of $10,000)
DateSimulated Value
2016-03-0110000
2016-04-0110615.302608468895
2016-05-0110760.643642192617
2016-06-0110058.558247624307
2016-07-0111230.375125591527
2016-08-0111792.564981631042
2016-09-0111870.949433591804
2016-10-0112329.483138139174
2016-11-0115233.542716458434
2016-12-0114841.8888965586
2017-01-0115352.499942477165
2017-02-0116441.790724250863
2017-03-0115727.970671023062
2017-04-0116069.157788975559
2017-05-0114789.734858071988
2017-06-0116479.449007922813
2017-07-0115658.904918586015
2017-08-0115060.590721182976
2017-09-0116445.970717041335
2017-10-0116411.687106447927
2017-11-0116994.163349516424
2017-12-0116548.629806032994
2018-01-0118385.449023262234
2018-02-0118248.12283810006
2018-03-0118196.965862113928
2018-04-0117784.181986915475
2018-05-0119160.128237576984
2018-06-0118385.755811723924
2018-07-0116059.53230099016
2018-08-0117110.66626784167
2018-09-0115783.53773114593
2018-10-0114813.050781160122
2018-11-0114792.34255999632
2018-12-0110973.324743256406
2019-01-0113149.260256321762
2019-02-0114126.381506791527
2019-03-0111936.678861508019
2019-04-0112669.903284937454
2019-05-0112263.331876088141
2019-06-0113654.195715699134
2019-07-0113856.254266277043
2019-08-0112260.532431375255
2019-09-0114073.422148592994
2019-10-0114986.271216339554
2019-11-0115266.062293397146
2019-12-0114930.28232208187
2020-01-0114105.519891396887
2020-02-0111996.157474517384
2020-03-018394.9594655745
2020-04-018985.028723069725
2020-05-018561.047069019734
2020-06-018394.077448747152
2020-07-018212.612073659911
2020-08-018724.987153233167
2020-09-018159.499321230529
2020-10-0110494.88813725716
2020-11-0112181.956236625942
2020-12-0113691.12537677458
2021-01-0114065.138860127472
2021-02-0117132.755037083058
2021-03-0118938.090088431774
2021-04-0119507.911307455724
2021-05-0119814.46967779542
2021-06-0118313.315386208324
2021-07-0117582.66031614551
2021-08-0117810.527446062755
2021-09-0118819.40130231702
2021-10-0119004.394744713652
2021-11-0117654.947347430265
2021-12-0118075.285888497736
2022-01-0117940.68245093302
2022-02-0118009.824900485495
2022-03-0116016.927053373523
2022-04-0115221.194480875572
2022-05-0116641.088178673603
2022-06-0114720.439014288673
2022-07-0117325.264796790994
2022-08-0117101.769402452774
2022-09-0116433.814224247028
2022-10-0118933.25817016022
2022-11-0119436.813081460008
2022-12-0117382.519193453136
2023-01-0117389.92046509131
2023-02-0117651.72606858256
2023-03-0113543.75186949219
2023-04-0112403.38080884778
2023-05-0111685.073974367826
2023-06-0112722.287414770333
2023-07-0116232.906130400437
2023-08-0115154.429641901168
2023-09-0114334.537478045453
2023-10-0113927.54423506132
2023-11-0115899.043586970694
2023-12-0119863.900968684567
2024-01-0118587.08573970533
2024-02-0117347.698703051778
2024-03-0118173.841681814345
2024-04-0117835.760797036422
2024-05-0118763.6424994056
2024-06-0118971.83681921723
2024-07-0122943.290152857353
2024-08-0123222.122515972176
2024-09-0123566.147427195265
2024-10-0123415.05410981493
2024-11-0126546.40558968577
2024-12-0123709.64773014887
2025-01-0124876.747735517663
2025-02-0124471.28843484197
2025-03-0121891.69600331332
2025-04-0122283.349823213146
2025-05-0123374.711427103226
2025-06-0124678.98422340336
2025-07-0126071.228611091938
2025-08-0127951.726835553713
2025-09-0128038.586318768554
2025-10-0127392.22137855395
2025-11-0128975.63332643059
2025-12-0128481.473811769938
2026-01-0130916.60722640222
2026-02-0129781.489918164178
2026-03-0129908.040158609634
2026-04-0131687.413236388176
Annual Return Matrix
YearAnnual Return
20170.11499485822657918
2018-0.3369043315443583
20190.360597874519041
2020-0.08299621658691458
20210.3202191486143555
2022-0.03832673515197038
20230.14275156251034127
20240.19360480942424751
20250.20126094389640703
20260.11256227278847453
Total Factor Risk
0.31981573442001093
VTI.US Exposure
0.0929735907577885
VEA.US Exposure
-0.06372138691078011
VWO.US Exposure
0.021141553254038145
QQQ.US Exposure
-0.014998591086643188
VTV.US Exposure
0.11495422856549868
IJR.US Exposure
0.694493327247077
QUAL.US Exposure
-0.11783183874730883
SHV.US Exposure
0.08138347713366342
TLT.US Exposure
-0.008597502218335395
LQD.US Exposure
0.07087720968123755
HYG.US Exposure
0.06279767138542278
GLD.US Exposure
-0.003957950255561635
USO.US Exposure
-0.003368089424820948
VNQ.US Exposure
-0.08294622541999078
BTC-USD.CC Exposure
-0.010003621735435807
CPER.US Exposure
0.002787403358173445
VIX.INDX Exposure
-0.02429010532590343
UUP.US Exposure
-0.0010854990771106256
TIP.US Exposure
0.025475187638689677
Idiosyncratic Exposure
0.16391716118030145
Value Score
44.8
Growth Score
50
Profit Score
37.5
Health Score
23.6
Yield Score
12.2
Moat Score
40

Factor Risk Decomposition

Share of annualised volatility attributable to each macro factor.

Total Est. Vol
32.0%

FundamentalsiCompany financial health metrics: P/E valuation, dividend yield, Piotroski F-Score (9-point profitability signal), Altman Z-Score (bankruptcy risk proxy), and a radar chart across 6 fundamental dimensions. Note: ETFs may show N/A for some metrics.

Fundamental Dimensions

Core Valuation

P/E Ratio (TTM)P/E RatioPrice-to-Earnings ratio — the market price of a stock divided by its earnings per share, a key valuation measure.Click for full definition →13.1x
Dividend YieldDividend YieldAnnual dividend paid per share divided by the current share price — expressed as a percentage income return.Click for full definition →1.02%
Market Cap$5.4B
Piotroski F-ScorePiotroski F-ScoreA 9-point scoring system evaluating a company's financial strength across profitability, leverage, and operating efficiency.Click for full definition →
9-point profitability signal
0.0/ 9
Weak
Altman Z-ScoreAltman Z-ScoreA bankruptcy prediction model that combines 5 financial ratios into a single score indicating financial distress risk.Click for full definition →
Bankruptcy risk proxy
1.18
Distress Zone
Income Simulation

Based on $10,000 initial investment.

Total Income Generated
$77
Avg Yield on Cost
0.77%
Annual Income Simulation Table
Historical Realised Yields
YearAnnual PayoutYield on CostQuality
2026$76.70.77%Solid

Momentum & MacroiPrice momentum indicators relative to key technical levels: distance from 50-Day SMA (intermediate trend), 200-Day SMA (long-term trend), 52-Week High (bullish proximity), and Beta (market sensitivity coefficient).

vs 50-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+3.6%
Above/below 50-day moving average
vs 200-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+10.4%
Above/below 200-day moving average
vs 52-Week High52-Week HighThe highest price an asset reached in the past 52 weeks — a key reference for momentum and valuation context.Click for full definition →
3.9% from high
Distance from 52-week high
BetaBetaA measure of an asset's sensitivity to broad market movements relative to a benchmark (e.g. S&P 500).Click for full definition →
0.94
Market sensitivity coefficient

Frequently Asked Questions & Methodology

Is Ameris Bancorp a high-risk investment?

Ameris Bancorp (ABCB.US) has an annualized volatility of 32.0% and experienced a maximum drawdown of 57.4% over the last 10 years. Its primary macro risk driver is IJR.US.

What is the 10-year return of ABCB.US?

Over the past 10 years, ABCB.US has generated a Compound Annual Growth Rate (CAGR) of 11.5%. It has had a positive return in 70% of the years measured.

Data Methodology & Trust

The risk and return information on this page is pre-calculated mathematically using daily market data spanning a 10-year period. Fundamentals (such as P/E Ratio, Market Cap, and Dividend Yield) represent trailing averages and may not immediately reflect real-time live market fluctuations. Advanced scoring models like the Piotroski F-Score and Altman Z-Score are proxies applied to publicly available trailing-twelve-month financial statements and may not account for recent off-balance-sheet events, qualitative company shifts, or sector-specific capital structures. Macroeconomic factor exposures are estimated via multivariate regression against standard market indices. This data is provided for quantitative insight and backtesting research, and should not be misconstrued as tailored financial advice.

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