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 ($5.6B against $4.5B).
On earnings, Ameris Bancorp is cheaper: it trades at 14.5× trailing earnings, against 31.7× for United Community Banks.
Ameris Bancorp grew revenue faster over the last twelve months (6.5% versus −20.6% for United Community Banks).
Ameris Bancorp keeps more of each dollar of sales as profit, with a net margin of 30.4% compared with 17.8% at United Community Banks.
Both pay dividends: Ameris Bancorp yields 0.96% and United Community Banks 2.7%.
Ameris Bancorp scores higher on the StockData Score (12 against 9 for United Community Banks), 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 | $5.6B | $4.5B |
| Share price | $82.96 | $37.44 |
| Change, 1 year | 12.3% | 24.4% |
| Change, 5 years | 60.8% | 3.8% |
| Beta (5Y) | 0.90 | 0.82 |
| Employees | 616 | 3,070 |
| StockData Score | ||
| Total score | 12 (better) | 9 |
| Valuation score | 0 | 0 |
| Growth score | 0 | 0 |
| Performance score | 3 (better) | 1 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 14.5× (better) | 31.7× |
| P/S | 4.4× (better) | 5.5× |
| P/B | 1.3× | 1.3× (better) |
| P/FCF | 8.8× (better) | 11.2× |
| PEG | 2.29 (better) | 24.30 |
| FCF yield | 11.4% (better) | 8.9% |
| Fair value | $71.02 | $24.74 |
| Margin of safety | −16.8% (better) | −51.4% |
| Growth | ||
| Revenue growth (TTM) | 6.5% (better) | −20.6% |
| Revenue growth, 5Y average | 2.2% | 13.0% (better) |
| Net income growth (TTM) | −3.0% (better) | −53.8% |
| EPS growth (TTM) | −0.87% (better) | −53.2% |
| EPS growth, 5Y average | 9.7% (better) | 6.5% |
| Profitability | ||
| Net margin | 30.4% (better) | 17.8% |
| FCF margin | 50.0% (better) | 49.1% |
| Return on equity | 9.5% (better) | 4.1% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.30 (better) | 0.18 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 0.96% | 2.7% (better) |
| Payout ratio | 14.1% | 83.3% |
| Years of dividend growth | 2 | 11 (better) |
| Dividend growth, 5Y average | 5.9% | 6.4% (better) |
| Buyback yield | 2.6% | 2.6% (better) |
| Shareholder yield | 3.6% | 5.3% (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 | 4.0% | 4.8% |
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.