` ABCB (Ameris Bancorp) vs TFC (Truist Financial Corp) Comparison - Alpha Spread

ABCB
vs
TFC

Over the past 12 months, ABCB has outperformed TFC, delivering a return of +20% compared to the TFC's +12% growth.

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
ABCB
TFC
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

ABCB Intrinsic Value
HIDDEN
Show
TFC Intrinsic Value
HIDDEN
Show
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Ameris Bancorp
NASDAQ:ABCB
67.45 USD
Truist Financial Corp
NYSE:TFC
45.43 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
ABCB vs TFC

ABCB
TFC
Add Stock
Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Ameris Bancorp
Revenue
Truist Financial Corp
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
ABCB vs TFC

ABCB
TFC
Add Stock
Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Ameris Bancorp
NASDAQ:ABCB
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

ABCB
32.1%
TFC
34%

FCF Margin

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

ABCB
10.2%
TFC
7.4%

ROA

ABCB
1.4%
TFC
0.9%

ROIC

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

ABCB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Ameris Bancorp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
ABCB vs TFC

Loading

Performance Gap
ABCB vs TFC

Performance Gap Between ABCB and TFC
HIDDEN
Show

Performance By Year
ABCB vs TFC

Loading
ABCB
TFC
Add Stock
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare ABCB to other stocks
Unlock Full Access to Alpha Spread
Create Free Account