Ameris Bancorp (ABCB)vsICICI Bank Limited (IBN)
ABCB
Ameris Bancorp
$87.83
-0.09%
FINANCIAL SERVICES · Cap: $6.21B
IBN
ICICI Bank Limited
$30.23
+1.58%
FINANCIAL SERVICES · Cap: $105.63B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 173664% more annual revenue ($2.04T vs $1.17B). ABCB leads profitability with a 37.1% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. ABCB earns a higher WallStSmart Score of 75/100 (B).
ABCB
Strong Buy75
out of 100
Grade: B
IBN
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 49.4%
Attractively priced relative to earnings
Earnings expanding 28.3% YoY
Strong operational efficiency at 38.5%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ABCB
The strongest argument for ABCB centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 37.1% and operating margin at 49.4%. Revenue growth of 12.8% demonstrates continued momentum.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 38.5%. Revenue growth of 11.4% demonstrates continued momentum.
Bear Case : ABCB
The primary concerns for ABCB are Altman Z-Score.
Bear Case : IBN
The primary concerns for IBN are Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ABCB carries more volatility with a beta of 0.92 — expect wider price swings.
ABCB is growing revenue faster at 12.8% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ABCB scores higher overall (75/100 vs 71/100), backed by strong 37.1% margins and 12.8% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Ameris Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Ameris Bancorp is the banking holding company for Ameris Bank providing a range of banking services to retail and business clients primarily in Georgia, Alabama, Florida and South Carolina. The company is headquartered in Atlanta, Georgia.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
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