Ameris Ban

Pricing power shows through stable‑to‑rising net interest margin and the ability to lower deposit costs while maintaining growth. NIM reached 3.88% in Q1 2026, with deposit costs falling 11 bps sequentially to 1.76% as noninterest‑bearing mix improved.

Fee income from mortgage, SBA, equipment/premium finance and service charges provides incremental monetization of relationships. Still, banks lack true unilateral pricing power; competitive deposit markets and regulatory constraints tighten spreads.

Management also guides to slight near‑term margin compression if deposit costs re‑firm to fund asset growth. Score reflects decent but cyclical pricing capability rather than monopoly‑like power.