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ABCB vs BXSL

ABCB
Ameris Bancorp
NEUTRAL
Price
$80.44
Market Cap
$5.52B
Sector
Financial Services
AI Confidence
72%
BXSL
Blackstone Secured Lending Fund
BEARISH
Price
$23.40
Market Cap
$5.44B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
ABCB
14.34
BXSL
9.51
Forward P/E
ABCB
12.85
BXSL
8.62
P/B Ratio
ABCB
1.37
BXSL
0.87
P/S Ratio
ABCB
4.88
BXSL
3.83
EV/EBITDA
ABCB
--
BXSL
--

Profitability

Gross Margin
ABCB
0.0%
BXSL
100.0%
Operating Margin
ABCB
48.33%
BXSL
81.42%
Profit Margin
ABCB
35.23%
BXSL
39.71%
ROE
ABCB
10.35%
BXSL
9.15%
ROA
ABCB
1.49%
BXSL
5.06%

Growth

Revenue Growth
ABCB
5.0%
BXSL
1.5%
Earnings Growth
ABCB
6.9%
BXSL
-27.0%

Financial Health

Debt/Equity
ABCB
--
BXSL
1.29
Current Ratio
ABCB
--
BXSL
1.31
Quick Ratio
ABCB
--
BXSL
1.25

Dividends

Dividend Yield
ABCB
0.97%
BXSL
13.16%
Payout Ratio
ABCB
13.86%
BXSL
125.2%

AI Verdict

ABCB NEUTRAL

ABCB exhibits mixed financial health with a Piotroski F-Score of 4/9 indicating stable but not strong fundamentals, and no available Altman Z-Score limits distress risk assessment. The stock trades below its growth-based intrinsic value of $97.33 at $80.44, supported by strong profitability margins and consistent earnings beats, though recent Q/Q EPS decline and weak technical trend raise concerns. Valuation remains attractive relative to sector peers with a P/E of 14.34 vs. sector average of 21.22, while low dividend strength and lack of insider activity temper bullishness. Growth is moderate with 6.9% YoY earnings growth, but technical indicators and near-term deceleration suggest caution despite solid historical performance.

Strengths
Profitability margins are exceptional: 35.23% net margin and 48.33% operating margin significantly outperform sector averages.
Valuation is favorable versus peers: P/E of 14.34 well below sector average of 21.22, suggesting potential undervaluation.
Consistent earnings beat record: 3 out of last 4 quarters beat estimates, with strong average surprise of 11.82% over recent periods.
Risks
Piotroski F-Score of 4/9 indicates only stable financial health, limiting confidence in operational strength and raising concerns about balance sheet transparency (missing D/E, cash/debt data).
Technical trend score of 10/100 signals strong bearish momentum near term, conflicting with long-term fundamentals.
Most recent Q/Q EPS growth declined by 3.8%, indicating potential near-term earnings deceleration.
BXSL BEARISH

BXSL exhibits significant financial deterioration, highlighted by a weak Piotroski F-Score of 2/9 and a crashing earnings profile (-27% YoY). While the stock trades at a discount to book value (P/B 0.87) and below its Graham Number ($38.6), these value metrics are offset by an unsustainable dividend payout ratio of 125.20%. The combination of negative Q/Q earnings growth and a bearish technical trend (0/100) suggests a high risk of a dividend cut or further price correction despite analyst 'buy' ratings.

Strengths
Trading below book value (P/B 0.87)
Low P/E ratio (9.51) relative to sector average
Very high operating margins (81.43%)
Risks
Unsustainable payout ratio (125.20%) indicating dividend risk
Severe earnings contraction (-27% YoY, -22.4% Q/Q)
Weak financial health as evidenced by Piotroski F-Score of 2/9

Compare Another Pair

ABCB vs BXSL: Head-to-Head Comparison

This page compares Ameris Bancorp (ABCB) and Blackstone Secured Lending Fund (BXSL) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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