Ameris Bancorp vs Merchants Bancorp
ABCB and MBIN side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ABCB and MBIN compare
Ameris Bancorp is the larger company, worth 2.3 times as much as Merchants Bancorp ($5.6B against $2.4B).
On earnings, Merchants Bancorp is cheaper: it trades at 8.7× trailing earnings, against 14.5× for Ameris Bancorp.
Merchants Bancorp grew revenue faster over the last twelve months (11.3% versus 6.5% for Ameris Bancorp).
Merchants Bancorp keeps more of each dollar of sales as profit, with a net margin of 41.6% compared with 30.4% at Ameris Bancorp.
Both pay dividends: Ameris Bancorp yields 0.97% and Merchants Bancorp 0.81%.
Merchants Bancorp scores higher on the StockData Score (18 against 12 for Ameris Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ABCB | MBIN |
|---|---|---|
| Size and price | ||
| Market cap | $5.6B | $2.4B |
| Share price | $82.85 | $52.92 |
| Change, 1 year | 12.1% | 63.0% |
| Change, 5 years | 60.6% | 67.1% |
| Beta (5Y) | 0.90 | 0.91 |
| Employees | 616 | 735 |
| StockData Score | ||
| Total score | 12 | 18 (better) |
| Valuation score | 0 | 4 (better) |
| Growth score | 0 | 3 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 5 (better) | 4 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 14.5× | 8.7× (better) |
| P/S | 4.4× | 3.2× (better) |
| P/B | 1.3× | 1.0× (better) |
| P/FCF | 8.8× | – |
| PEG | 2.29 | – |
| FCF yield | 11.4% (better) | −7.1% |
| Fair value | $71.00 | $57.39 |
| Margin of safety | −16.7% | 7.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 6.5% | 11.3% (better) |
| Revenue growth, 5Y average | 2.2% | 14.1% (better) |
| Net income growth (TTM) | −3.0% | 29.4% (better) |
| EPS growth (TTM) | −0.87% | 39.5% (better) |
| EPS growth, 5Y average | 9.7% (better) | −0.37% |
| Profitability | ||
| Net margin | 30.4% | 41.6% (better) |
| FCF margin | 50.0% (better) | −22.5% |
| Return on equity | 9.5% | 13.6% (better) |
| Financial health | ||
| Altman Z-score | 0.30 (better) | 0.23 |
| Piotroski F-score | 6 (better) | 2 |
| Dividends and buybacks | ||
| Dividend yield | 0.97% (better) | 0.81% |
| Payout ratio | 14.1% | 19.1% |
| Years of dividend growth | 2 | 8 (better) |
| Dividend growth, 5Y average | 5.9% | 13.8% (better) |
| Buyback yield | 2.6% | – |
| Shareholder yield | 3.6% (better) | 0.81% |
| Ownership | ||
| Held by institutions | 100.0% | 98.3% |
| Held by insiders | 5.8% | 39.1% |
| Insider net buying, 12 months | −$542K (better) | −$5.3M |
| Short interest, % of float | 4.0% | – |
Go deeper
- ABCB stock overview
- ABCB income statement
- ABCB valuation and score
- MBIN stock overview
- MBIN income statement
- MBIN valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.