Ameris Bancorp vs United Community Banks
ABCB and UCB 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 UCB compare
Ameris Bancorp is the larger company, worth 1.2 times as much as United Community Banks ($5.5B against $4.4B).
On earnings, United Community Banks is cheaper: it trades at 12.1× trailing earnings, against 14.9× for Ameris Bancorp.
United Community Banks grew revenue faster over the last twelve months (13.8% versus 8.7% for Ameris Bancorp).
United Community Banks keeps more of each dollar of sales as profit, with a net margin of 34.0% compared with 29.8% at Ameris Bancorp.
Both pay dividends: Ameris Bancorp yields 0.97% and United Community Banks 2.7%.
United Community Banks scores higher on the StockData Score (18 against 11 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 | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $5.5B | $4.4B |
| Share price | $82.42 | $36.73 |
| Change, 1 year | 13.9% | 25.7% |
| Change, 5 years | 49.6% | 0.03% |
| Beta (5Y) | 0.90 | 0.83 |
| Employees | 616 | 3,070 |
| StockData Score | ||
| Total score | 11 | 18 (better) |
| Valuation score | 0 | 4 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 2 | 4 (better) |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 14.9× | 12.1× (better) |
| P/S | 4.4× | 4.0× (better) |
| P/B | 1.4× | 1.2× (better) |
| P/FCF | 10.6× (better) | 12.3× |
| PEG | 2.35 (better) | 9.25 |
| FCF yield | 9.4% (better) | 8.2% |
| Fair value | $69.50 | $37.68 |
| Margin of safety | −18.6% | 2.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 8.7% | 13.8% (better) |
| Revenue growth, 5Y average | 2.2% | 13.0% (better) |
| Net income growth (TTM) | −3.8% | 38.3% (better) |
| EPS growth (TTM) | −2.5% | 38.2% (better) |
| EPS growth, 5Y average | 9.7% (better) | 6.5% |
| Profitability | ||
| Net margin | 29.8% | 34.0% (better) |
| FCF margin | 41.4% (better) | 32.5% |
| Return on equity | 9.4% | 10.3% (better) |
| Financial health | ||
| Debt / equity | – | 0.10 |
| Altman Z-score | 0.30 (better) | 0.19 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 0.97% | 2.7% (better) |
| Payout ratio | 14.6% | 32.1% |
| Years of dividend growth | 2 | 11 (better) |
| Dividend growth, 5Y average | 5.9% | 6.4% (better) |
| Buyback yield | 2.8% (better) | 1.5% |
| Shareholder yield | 3.7% | 4.3% (better) |
| Ownership | ||
| Held by institutions | 100.0% | 87.3% |
| Held by insiders | 5.8% | 0.72% |
| Insider net buying, 12 months | −$542K (better) | −$2.3M |
| Short interest, % of float | 4.8% | 4.5% |
Go deeper
- ABCB stock overview
- ABCB income statement
- ABCB valuation and score
- UCB stock overview
- UCB income statement
- UCB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.