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Ameris Bancorp (ABCB) vs F.N.B. Corporation (FNB)

Ameris Bancorp and F.N.B. Corporation are both Banks Regional companies. F.N.B. Corporation is the larger, with a market value of $6.1B against $5.4B — 1.1× the size. F.N.B. Corporation trades at the lower P/E: 10.3× against 14.4×. F.N.B. Corporation grew revenue faster over the last twelve months: 3.67% against 3.47%. F.N.B. Corporation has the higher net margin (22.3% vs 22.0%) and the lower return on invested capital (6.93% vs 7.08%). Both pay a dividend; F.N.B. Corporation yields more (2.90% vs 1.00%). Across the 19 metrics below, F.N.B. Corporation leads on 13 and Ameris Bancorp on 6.

Valuation

Metric ABCB FNB Banks Regional median
P/E 14.36 10.26 11.98
P/S 3.11 2.27 2.34
P/B 1.30 0.90 1.19
Price to free cash flow 10.21 9.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.96% 9.74% 8.23%
Free cash flow yield 9.79% 10.12% 9.08%

Profitability

Metric ABCB FNB Banks Regional median
Gross margin 73.70% 67.48% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.98% 22.30% 18.66%
Free cash flow margin 30.49% 22.96% 21.11%
Return on equity 9.40% 9.04% 10.65%
Return on assets 1.36% 1.20% 1.13%
Return on invested capital 7.08% 6.93% 8.35%

Growth

Metric ABCB FNB Banks Regional median
Revenue growth (TTM) 3.47% 3.67% 6.98%
EPS growth (last fiscal year) 15.61% 22.83% 18.88%
Revenue growth, 5-year CAGR 7.26% 13.61% 12.38%
Net income growth, 5-year CAGR 9.49% 15.24% 9.71%

Health

Metric ABCB FNB Banks Regional median
Debt to equity 0.34 0.29 0.22
Current ratio 1.04 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ABCB FNB Banks Regional median
Dividend yield 1.00% 2.90% 2.57%
Payout ratio 0.14 0.30 0.30

Size

Metric ABCB FNB Banks Regional median
Market cap 5.35b 6.06b 913.33m

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