DDM Analysis: ABCB

Valuation Snapshot

Stable Growth	$123.95 - $297.25	$183.54
Multi-Stage	$86.28 - $94.30	$90.22
Blended Fair Value	$136.88
Current Price	$73.31
Upside	86.71%
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	$123.95	$183.54	$297.25
Upside / Downside	69.07%	150.36%	305.47%

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)	109.12	110.16	111.19
Year 2 PV (M)	162.17	165.26	168.38
Year 3 PV (M)	211.26	217.33	223.51
Year 4 PV (M)	256.62	266.49	276.64
Year 5 PV (M)	298.45	312.86	327.83
PV of Terminal Value (M)	4,912.40	5,149.67	5,396.03
Equity Value (M)	5,950.03	6,221.77	6,503.58
Shares Outstanding (M)	68.96	68.96	68.96
Fair Value	$86.28	$90.22	$94.30
Upside / Downside	17.69%	23.06%	28.64%

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055490.KS	Tapex Co., Ltd.	1.44%	$199.78	51.52%
2756.TWO	Lian Fa International Dining Business Corp.	1.44%	$1.18	40.55%
300130.SZ	XGD Inc.	1.44%	$0.40	65.84%
300194.SZ	Fuan Pharmaceutical (Group) Co., Ltd.	1.44%	$0.06	52.37%
301058.SZ	COFCO Technology & Industry Co., Ltd.	1.44%	$0.16	34.15%
3393.HK	Wasion Holdings Limited	1.44%	$0.26	17.68%
5536.TWO	Acter Group Corporation Limited	1.44%	$10.99	47.44%
600809.SS	Shanxi Xinghuacun Fen Wine Factory Co.,Ltd.	1.44%	$2.47	24.55%
6485.T	Maezawa Kyuso Industries Co.,Ltd.	1.44%	$22.77	15.91%
6506.T	YASKAWA Electric Corporation	1.44%	$68.32	30.92%
688092.SS	Hangzhou IECHO Science & Technology Co., Ltd.	1.44%	$0.36	55.35%
ISS.CO	ISS A/S	1.44%	$3.10	19.54%
003027.SZ	Tongxing Environmental Protection Technology Co.,Ltd	1.43%	$0.32	50.08%
0W19.L	Datagroup Se	1.43%	$1.00	34.00%
0YG7.L	Beijer Alma AB (publ)	1.43%	$4.12	46.18%
2427.T	OUTSOURCING Inc.	1.43%	$24.98	56.59%
300409.SZ	Guangdong Dowstone Technology Co., Ltd.	1.43%	$0.32	58.17%
600362.SS	Jiangxi Copper Company Limited	1.43%	$0.79	33.95%
600409.SS	Tangshan Sanyou Chemical Industries Co.,Ltd	1.43%	$0.09	81.03%
601858.SS	China Science Publishing & Media Ltd.	1.43%	$0.26	39.12%
603283.SS	Suzhou Secote Precision Electronic Co.,LTD	1.43%	$0.62	25.98%
603757.SS	Zhejiang Dayuan Pumps Industry Co., Ltd	1.43%	$0.63	58.53%
6479.T	MinebeaMitsumi Inc.	1.43%	$45.06	29.19%
7012.T	Kawasaki Heavy Industries, Ltd.	1.43%	$148.51	32.29%
9630.SR	Ratio Speciality Company for Trading	1.43%	$0.10	14.11%
G	Genpact Limited	1.43%	$0.66	20.93%
GIL	Gildan Activewear Inc.	1.43%	$0.90	28.59%
MRU.TO	Metro Inc.	1.43%	$1.42	30.52%
SIMINN.IC	Síminn hf.	1.43%	$0.21	33.47%
002568.SZ	Shanghai Bairun Investment Holding Group Co., Ltd.	1.42%	$0.31	46.41%
2270.HK	Desun Real Estate Investment Services Group Co., Ltd.	1.42%	$0.06	41.57%
300294.SZ	China Resources Boya Bio-pharmaceutical Group Co., Ltd.	1.42%	$0.32	49.45%
300433.SZ	Lens Technology Co., Ltd.	1.42%	$0.43	54.16%
300906.SZ	Jiangxi Everbright Measurement And Control Technology Co.,Ltd.	1.42%	$0.50	58.74%
301588.SZ	Newtechwood Corp	1.42%	$0.26	67.53%
4684.T	OBIC Co.,Ltd.	1.42%	$70.00	44.07%
600023.SS	Zhejiang Zheneng Electric Power Co., Ltd.	1.42%	$0.07	12.91%
600268.SS	Guodian Nanjing Automation Co., Ltd.	1.42%	$0.15	33.78%
605089.SS	Suzhou Weizhixiang Food Co., Ltd.	1.42%	$0.36	67.75%
688677.SS	Qingdao NovelBeam Technology Co.,Ltd.	1.42%	$0.61	52.58%
7456.T	MATSUDA SANGYO Co., Ltd.	1.42%	$75.07	17.79%
DNR.MI	Industrie De Nora S.p.A.	1.42%	$0.10	22.74%
000039.SZ	China International Marine Containers (Group) Co., Ltd.	1.41%	$0.14	31.30%
000778.SZ	Xinxing Ductile Iron Pipes Co., Ltd.	1.41%	$0.06	60.76%
002434.SZ	Zhejiang Wanliyang Co., Ltd.	1.41%	$0.13	54.38%
0354.HK	Chinasoft International Limited	1.41%	$0.07	16.05%
300298.SZ	Sinocare Inc.	1.41%	$0.24	47.22%
600063.SS	Anhui Wanwei Updated High-Tech Material Industry Co.,Ltd	1.41%	$0.08	31.80%
603058.SS	GuiZhou YongJi Printing CO.,LTD	1.41%	$0.13	42.37%

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