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Ameris Bancorp (ABCB) vs United Bankshares, Inc. (UBSI)

Ameris Bancorp and United Bankshares, Inc. are both Banks Regional companies. United Bankshares, Inc. is the larger, with a market value of $6.6B against $5.5B — 1.2× the size. United Bankshares, Inc. trades at the lower P/E: 13.1× against 14.3×. United Bankshares, Inc. grew revenue faster over the last twelve months: 3.71% against 3.52%. United Bankshares, Inc. has the higher net margin (28.0% vs 22.5%) and the higher return on invested capital (9.89% vs 7.69%). Both pay a dividend; United Bankshares, Inc. yields more (3.14% vs 0.98%). Across the 18 metrics below, United Bankshares, Inc. leads on 12 and Ameris Bancorp on 6.

Valuation

Metric ABCB UBSI Banks Regional median
P/E 14.27 13.10 12.02
P/S 3.18 3.61 2.36
P/B 1.33 1.22 1.23
Price to free cash flow 10.48 12.08 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.01% 7.63% 8.21%
Free cash flow yield 9.55% 8.28% 9.23%

Profitability

Metric ABCB UBSI Banks Regional median
Gross margin 73.83% 70.16% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.47% 28.02% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.49% 9.45% 10.28%
Return on assets 1.39% 1.52% 1.13%
Return on invested capital 7.69% 9.89% 8.45%

Growth

Metric ABCB UBSI Banks Regional median
Revenue growth (TTM) 3.52% 3.71% 6.37%
EPS growth (last fiscal year) 15.61% 18.91% 18.85%
Revenue growth, 5-year CAGR 7.26% 9.57% 12.65%
Net income growth, 5-year CAGR 9.49% 9.96% 9.81%

Health

Metric ABCB UBSI Banks Regional median
Debt to equity 0.26 0.10 0.17
Current ratio 1.03 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ABCB UBSI Banks Regional median
Dividend yield 0.98% 3.14% 2.49%
Payout ratio 0.14 0.41 0.29

Size

Metric ABCB UBSI Banks Regional median
Market cap 5.48b 6.59b 934.85m

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