Ameris Bancorp (ABCB)vsU.S. Bancorp (USB)
ABCB
Ameris Bancorp
$85.47
+0.40%
FINANCIAL SERVICES · Cap: $5.99B
USB
U.S. Bancorp
$55.69
+2.27%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 2173% more annual revenue ($26.65B vs $1.17B). ABCB leads profitability with a 37.1% profit margin vs 29.3%. ABCB appears more attractively valued with a PEG of 1.10. ABCB earns a higher WallStSmart Score of 75/100 (B).
ABCB
Strong Buy75
out of 100
Grade: B
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 28.3% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
No major concerns identified
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ABCB
The strongest argument for ABCB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 37.1% and operating margin at 49.4%. Revenue growth of 12.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : ABCB
No major red flags identified for ABCB, but monitor valuation.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
ABCB profiles as a mature stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
ABCB is growing revenue faster at 12.8% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
ABCB scores higher overall (75/100 vs 71/100), backed by strong 37.1% margins and 12.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Ameris Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ameris Bancorp is the banking holding company for Ameris Bank providing a range of banking services to retail and business clients primarily in Georgia, Alabama, Florida and South Carolina. The company is headquartered in Atlanta, Georgia.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?