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ABCB vs MA

ABCB
Ameris Bancorp
NEUTRAL
Price
$80.44
Market Cap
$5.52B
Sector
Financial Services
AI Confidence
72%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
ABCB
14.34
MA
30.28
Forward P/E
ABCB
12.85
MA
22.05
P/B Ratio
ABCB
1.37
MA
57.74
P/S Ratio
ABCB
4.88
MA
13.6
EV/EBITDA
ABCB
--
MA
22.13

Profitability

Gross Margin
ABCB
0.0%
MA
100.0%
Operating Margin
ABCB
48.33%
MA
57.73%
Profit Margin
ABCB
35.23%
MA
45.65%
ROE
ABCB
10.35%
MA
209.91%
ROA
ABCB
1.49%
MA
23.72%

Growth

Revenue Growth
ABCB
5.0%
MA
17.6%
Earnings Growth
ABCB
6.9%
MA
24.2%

Financial Health

Debt/Equity
ABCB
--
MA
2.56
Current Ratio
ABCB
--
MA
1.03
Quick Ratio
ABCB
--
MA
0.68

Dividends

Dividend Yield
ABCB
0.97%
MA
0.7%
Payout Ratio
ABCB
13.86%
MA
18.4%

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.
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

ABCB vs MA: Head-to-Head Comparison

This page compares Ameris Bancorp (ABCB) and Mastercard Incorporated (MA) 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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