Ameris Bancorp (ABCB)vsJPMorgan Chase & Co (JPM)
ABCB
Ameris Bancorp
$87.83
-0.09%
FINANCIAL SERVICES · Cap: $6.21B
JPM
JPMorgan Chase & Co
$344.77
-3.53%
FINANCIAL SERVICES · Cap: $900.78B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 15792% more annual revenue ($186.33B vs $1.17B). ABCB leads profitability with a 37.1% profit margin vs 34.9%. ABCB appears more attractively valued with a PEG of 1.10. JPM earns a higher WallStSmart Score of 81/100 (A-).
ABCB
Strong Buy75
out of 100
Grade: B
JPM
Exceptional Buy81
out of 100
Grade: A-
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
Mega-cap, among the largest globally
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 50.4%
Revenue surging 30.4% year-over-year
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
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 : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 34.9% and operating margin at 50.4%. Revenue growth of 30.4% demonstrates continued momentum.
Bear Case : ABCB
The primary concerns for ABCB are Altman Z-Score.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.30 is elevated, increasing financial risk.
Key Dynamics to Monitor
ABCB profiles as a mature stock while JPM is a growth play — different risk/reward profiles.
JPM carries more volatility with a beta of 0.98 — expect wider price swings.
JPM is growing revenue faster at 30.4% — sustainability is the question.
ABCB generates stronger free cash flow (249M), providing more financial flexibility.
Bottom Line
JPM scores higher overall (81/100 vs 75/100), backed by strong 34.9% margins and 30.4% revenue growth. Both earn "Exceptional 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.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
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