Ameris Bancorp (ABCB) vs AXOS FINANCIAL, INC (AX)

Ameris Bancorp and AXOS FINANCIAL, INC are both Banks Regional companies. Ameris Bancorp and AXOS FINANCIAL, INC are of similar size ($5.5B and $5.0B). AXOS FINANCIAL, INC trades at the lower P/E: 10.3× against 14.8×. AXOS FINANCIAL, INC grew revenue faster over the last twelve months: 12.5% against 3.47%. AXOS FINANCIAL, INC has the higher net margin (22.4% vs 22.0%) and the higher return on invested capital (14.0% vs 7.08%). Across the 19 metrics below, AXOS FINANCIAL, INC leads on 12 and Ameris Bancorp on 7.

Valuation

Metric ABCB AX Banks Regional median
P/E 14.83 10.26 12.15
P/S 3.21 2.30 2.37
P/B 1.35 1.59 1.21
Price to free cash flow 10.54 17.29 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.32 2.21 2.27
Earnings yield 6.74% 9.74% 8.11%
Free cash flow yield 9.48% 5.78% 8.98%

Profitability

Metric ABCB AX Banks Regional median
Gross margin 73.70% 67.59% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.98% 22.39% 18.66%
Free cash flow margin 30.49% 13.29% 21.18%
Return on equity 9.40% 16.77% 10.64%
Return on assets 1.36% 1.79% 1.13%
Return on invested capital 7.08% 13.97% 8.33%

Growth

Metric ABCB AX Banks Regional median
Revenue growth (TTM) 3.47% 12.54% 6.61%
EPS growth (last fiscal year) 15.61% 14.13% —
Revenue growth, 5-year CAGR 7.26% 24.82% 12.30%
Net income growth, 5-year CAGR 9.49% 17.87% 9.71%

Health

Metric ABCB AX Banks Regional median
Debt to equity 0.34 0.35 0.22
Current ratio 1.04 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ABCB AX Banks Regional median
Dividend yield 1.29% — 3.75%
Payout ratio 0.14 0.00 0.27

Size

Metric ABCB AX Banks Regional median
Market cap 5.49b 5.03b 921.07m

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