DDM Analysis: ABCB

Valuation Snapshot

Stable Growth	$123.99 - $297.46	$183.62
Multi-Stage	$86.30 - $94.33	$90.24
Blended Fair Value	$136.93
Current Price	$73.31
Upside	86.78%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	10.94%	26.29%	0.60	0.60	0.60	0.61	0.60	0.36	0.24	0.21	0.12	0.09
YoY Growth	-	-	-0.45%	0.09%	-0.45%	0.27%	68.94%	50.41%	11.98%	70.67%	33.31%	60.33%
Dividend Yield	-	-	1.04%	1.27%	1.65%	1.38%	1.15%	1.51%	0.67%	0.40%	0.27%	0.32%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	398.17
(-) Cash Dividends Paid (M)	51.90
(=) Cash Retained (M)	346.27

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	79.63	49.77	29.86
Cash Retained (M)	346.27	346.27	346.27
(-) Cash Required (M)	-79.63	-49.77	-29.86
(=) Excess Retained (M)	266.64	296.50	316.41
(/) Shares Outstanding (M)	68.96	68.96	68.96
(=) Excess Retained per Share	3.87	4.30	4.59
LTM Dividend per Share	0.75	0.75	0.75
(+) Excess Retained per Share	3.87	4.30	4.59
(=) Adjusted Dividend	4.62	5.05	5.34
WACC / Discount Rate	9.43%	9.43%	9.43%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$123.99	$183.62	$297.46
Upside / Downside	69.13%	150.48%	305.75%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	398.17	424.06	451.62	480.97	512.24	545.53	561.90
Payout Ratio	13.03%	28.43%	43.82%	59.21%	74.61%	90.00%	92.50%
Projected Dividends (M)	51.90	120.55	197.90	284.80	382.16	490.98	519.76

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	9.43%	9.43%	9.43%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	109.13	110.16	111.19
Year 2 PV (M)	162.17	165.26	168.38
Year 3 PV (M)	211.27	217.34	223.52
Year 4 PV (M)	256.63	266.50	276.66
Year 5 PV (M)	298.47	312.88	327.85
PV of Terminal Value (M)	4,913.75	5,151.09	5,397.51
Equity Value (M)	5,951.43	6,223.24	6,505.11
Shares Outstanding (M)	68.96	68.96	68.96
Fair Value	$86.30	$90.24	$94.33
Upside / Downside	17.72%	23.09%	28.67%

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301151.SZ	Shanghai Karon Eco-Valve Manufacturing Co., Ltd.	1.64%	$0.31	64.22%
4912.T	Lion Corporation	1.64%	$27.13	35.97%
5328.TWO	Hua Jung Components Co.,Ltd.	1.64%	$0.35	73.35%
600256.SS	Guanghui Energy Co., Ltd.	1.64%	$0.08	26.14%
605365.SS	Leedarson IoT Technology Inc.	1.64%	$0.44	81.91%
6244.TWO	Motech Industries Inc.	1.64%	$0.34	98.50%
6367.T	Daikin Industries,Ltd.	1.64%	$330.12	35.31%
6383.T	Daifuku Co., Ltd.	1.64%	$80.66	36.37%
6454.T	Max Co., Ltd.	1.64%	$113.15	45.27%
LSS.PA	Lectra S.A.	1.64%	$0.41	50.95%
MEVA.AT	Mevaco S.A.	1.64%	$0.15	13.50%
MOVI3.SA	Movida Participações S.A.	1.64%	$0.16	19.79%
SRSOLTD.BO	Silicon Rental Solutions Ltd.	1.64%	$1.90	9.23%
002266.SZ	Zhefu Holding Group Co., Ltd.	1.63%	$0.07	37.41%
0GDU.L	Paradox Interactive AB (publ)	1.63%	$5.00	82.82%
300121.SZ	Shandong Yanggu Huatai Chemical Co., Ltd.	1.63%	$0.21	53.84%
603013.SS	YAPP Automotive Systems Co., Ltd.	1.63%	$0.40	37.85%
603081.SS	Zhejiang Dafeng Industry Co., Ltd	1.63%	$0.23	92.61%
603194.SS	Zhejiang E-P Equipment Co Ltd	1.63%	$0.64	29.27%
603221.SS	Elegant Home-Tech Co., Ltd.	1.63%	$0.21	78.59%
BEI.DE	Beiersdorf AG	1.63%	$1.52	25.19%
CLD.WA	Cloud Technologies S.A.	1.63%	$1.14	92.28%
IVS.MI	IVS Group S.A.	1.63%	$0.12	62.72%
LDO.MI	Leonardo S.p.A.	1.63%	$0.84	33.82%
MEOH	Methanex Corporation	1.63%	$0.67	24.08%
PARKIN.AE	Parkin Company PJSC	1.63%	$0.09	49.98%
051900.KS	LG H&H Co., Ltd.	1.62%	$4,377.83	70.74%
0F4O.L	Lotus Bakeries N.V.	1.62%	$133.75	36.00%
300206.SZ	Edan Instruments, Inc.	1.62%	$0.21	48.61%
5393.T	Nichias Corporation	1.62%	$110.01	23.11%
603385.SS	Huida Sanitary Ware Co., Ltd.	1.62%	$0.11	69.37%
605050.SS	Friend Co.,Ltd.	1.62%	$0.22	30.01%
7378.T	ASIRO Inc.	1.62%	$23.93	20.21%
BPAC11.SA	Banco BTG Pactual S.A.	1.62%	$0.84	27.38%
GRMN	Garmin Ltd.	1.62%	$3.28	40.42%
RUBFILA.BO	Rubfila International Limited	1.62%	$1.20	22.45%
VALO.BA	Banco de Valores S.A.	1.62%	$8.91	22.52%
WAS.WA	Wasko S.A.	1.62%	$0.03	19.20%
002152.SZ	GRG Banking Equipment Co., Ltd.	1.61%	$0.22	65.18%
002457.SZ	Ningxia Qinglong Pipes Industry Group Co., Ltd.	1.61%	$0.18	28.21%
002913.SZ	Aoshikang Technology Co., Ltd.	1.61%	$0.69	60.58%
007570.KS	Ilyang Pharmaceutical Co.,Ltd	1.61%	$210.74	33.61%
066570.KS	LG Electronics Inc.	1.61%	$1,472.83	36.12%
603181.SS	Zhejiang Huangma Technology Co.,Ltd	1.61%	$0.23	29.53%
603416.SS	WuXi Xinje Electric Co.,Ltd.	1.61%	$0.89	59.24%
ABB.AX	Aussie Broadband Limited	1.61%	$0.08	39.83%
H22.SI	Hong Leong Asia Ltd.	1.61%	$0.04	31.75%
MATAS.CO	Matas A/S	1.61%	$2.00	26.57%
SRSN.JK	PT Indo Acidatama Tbk	1.61%	$1.00	12.49%
000050.KS	Kyungbangco.Ltd	1.60%	$149.61	11.55%

Financial Statements

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Sector

Ameris Bancorp (ABCB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener