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ABCB vs JPM

ABCB
Ameris Bancorp
NEUTRAL
Price
$80.44
Market Cap
$5.52B
Sector
Financial Services
AI Confidence
72%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
ABCB
14.34
JPM
14.69
Forward P/E
ABCB
12.85
JPM
12.62
P/B Ratio
ABCB
1.37
JPM
2.32
P/S Ratio
ABCB
4.88
JPM
4.72
EV/EBITDA
ABCB
--
JPM
--

Profitability

Gross Margin
ABCB
0.0%
JPM
0.0%
Operating Margin
ABCB
48.33%
JPM
41.06%
Profit Margin
ABCB
35.23%
JPM
33.91%
ROE
ABCB
10.35%
JPM
16.13%
ROA
ABCB
1.49%
JPM
1.35%

Growth

Revenue Growth
ABCB
5.0%
JPM
2.5%
Earnings Growth
ABCB
6.9%
JPM
-3.6%

Financial Health

Debt/Equity
ABCB
--
JPM
--
Current Ratio
ABCB
--
JPM
--
Quick Ratio
ABCB
--
JPM
--

Dividends

Dividend Yield
ABCB
0.97%
JPM
2.11%
Payout Ratio
ABCB
13.86%
JPM
28.97%

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.
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

ABCB vs JPM: Head-to-Head Comparison

This page compares Ameris Bancorp (ABCB) and JPMorgan Chase & Co. (JPM) 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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