Ameris Bancorp (ABCB) and Bank7 (BSVN) Critical Analysis

Ameris Bancorp (NASDAQ:ABCB) and Bank7 (NASDAQ:BSVN) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, risk, valuation, dividends, profitability, earnings and institutional ownership.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Ameris Bancorp and Bank7, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Ameris Bancorp 0 0 6 0 3.00
Bank7 0 0 3 0 3.00

Ameris Bancorp currently has a consensus target price of $53.80, indicating a potential upside of 61.46%. Bank7 has a consensus target price of $23.00, indicating a potential upside of 42.68%. Given Ameris Bancorp’s higher possible upside, equities analysts clearly believe Ameris Bancorp is more favorable than Bank7.

Profitability

This table compares Ameris Bancorp and Bank7’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Ameris Bancorp 22.76% 11.46% 1.39%
Bank7 N/A N/A N/A

Earnings & Valuation

This table compares Ameris Bancorp and Bank7’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Ameris Bancorp $531.74 million 2.98 $121.03 million $3.38 9.86
Bank7 $48.13 million 3.41 $25.00 million $2.44 6.61

Ameris Bancorp has higher revenue and earnings than Bank7. Bank7 is trading at a lower price-to-earnings ratio than Ameris Bancorp, indicating that it is currently the more affordable of the two stocks.

Dividends

Ameris Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.2%. Bank7 does not pay a dividend. Ameris Bancorp pays out 11.8% of its earnings in the form of a dividend.

Insider & Institutional Ownership

84.6% of Ameris Bancorp shares are held by institutional investors. Comparatively, 33.8% of Bank7 shares are held by institutional investors. 3.1% of Ameris Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

Ameris Bancorp beats Bank7 on 11 of the 13 factors compared between the two stocks.

About Ameris Bancorp

Ameris Bancorp operates as the holding company for Ameris Bank that provides banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, Small Business Administration Division, and Premium Finance Division. It offers commercial and retail checking accounts, regular interest-bearing savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. The company also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and small unsecured personal credit lines; and municipal and commercial insurance premium finance loans. It operates 97 domestic banking offices and 13 loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Moultrie, Georgia.

About Bank7

Bank7 Corp. operates as a bank holding company for Bank7 that provides banking and financial services to individual and corporate customers in Oklahoma, Kansas, and Texas. The company accepts demand, savings, money market, and negotiable order of withdrawal accounts, as well as certificates of deposits. It also provides real estate loans, including commercial real estate, construction and development, 1-4 family real estate, and hospitality loans; variable- and fixed-rate commercial loans; agricultural real estate loans; and consumer loans, such as secured and unsecured term loans and home improvement loans. In addition, the company offers debit cards; commercial treasury management services; and ATM, checking, direct deposit, and cashier's check products, as well as wire transfer and automated clearing house services. Further, it provides cash management deposit products comprising remote deposit capture, positive pay, zero balance accounts, and sweep accounts, as well as telephone, mail, and personal banking services. It operates through a network of seven full-service branches in Oklahoma, the Dallas/Fort Worth metropolitan area, and Kansas. The company was formerly known as Haines Financial Corp. Bank7 Corp. was founded in 2004 and is headquartered in Oklahoma City, Oklahoma.

Receive News & Ratings for Ameris Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Ameris Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.