Head-To-Head Review: Ameris Bancorp (NASDAQ:ABCB) versus SVB Financial Group (OTCMKTS:SIVBQ)

SVB Financial Group (OTCMKTS:SIVBQ) and Ameris Bancorp (NASDAQ:ABCB) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their valuation, earnings, risk, dividends, institutional ownership, analyst recommendations and profitability.

Volatility & Risk

SVB Financial Group has a beta of 0.98, suggesting that its share price is 2% less volatile than the S&P 500. Comparatively, Ameris Bancorp has a beta of 1.04, suggesting that its share price is 4% more volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
SVB Financial Group	N/A	N/A	N/A
Ameris Bancorp	21.46%	9.57%	1.32%

Insider & Institutional Ownership

8.7% of SVB Financial Group shares are owned by institutional investors. Comparatively, 91.6% of Ameris Bancorp shares are owned by institutional investors. 0.6% of SVB Financial Group shares are owned by insiders. Comparatively, 5.5% of Ameris Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares SVB Financial Group and Ameris Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SVB Financial Group	$7.40 billion	0.00	$1.67 billion	N/A	N/A
Ameris Bancorp	$1.18 billion	4.28	$358.68 million	$5.78	12.73

SVB Financial Group has higher revenue and earnings than Ameris Bancorp.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for SVB Financial Group and Ameris Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
SVB Financial Group	0	0	0	0	0.00
Ameris Bancorp	0	1	4	1	3.00

Ameris Bancorp has a consensus target price of $77.33, indicating a potential upside of 5.06%. Given Ameris Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Ameris Bancorp is more favorable than SVB Financial Group.

Summary

Ameris Bancorp beats SVB Financial Group on 11 of the 13 factors compared between the two stocks.

About SVB Financial Group

SVB Financial Group, a diversified financial services company, offers various banking and financial products and services. It operates through four segments: Silicon Valley Bank, SVB Private, SVB Capital, and SVB Securities. The Silicon Valley Bank segment provides commercial banking products and services, including credit, treasury management, foreign exchange, trade finance, and other financial products and services. This segment also offers traditional term, growth capital term, and equipment loans, asset-based loans, revolving lines of credit, warehouse facilities, recurring revenue and acquisition finance facilities, mezzanine lending, corporate working capital facilities, and credit card programs; treasury management products and services; business and analysis checking, money market, multi-currency, in-country bank, and sweep accounts; receivables services, which include merchant services, remote capture, lockbox, and fraud control services; wire transfer and automated clearing house payment services; business bill pay, credit and debit cards, account analysis, and disbursement services. In addition, it offers foreign exchange and trade finance products and services; letters of credit; and investment services and solutions. The SVB Private segment offers mortgages, home equity lines of credit, restricted and private stock loans, capital call lines of credit, and other secured and unsecured lending products; planning-based financial strategies, wealth management, family office, financial planning, tax planning, and trust services; and real estate secured loans. The SVB Capital segment provides venture capital investment services. The SVB Securities segment provides investment banking services; products and services, including capital raising, merger and acquisition advisory, equity research, and sales and trading. The company was founded in 1983 and is headquartered in Santa Clara, California. On March 17, 2023, SVB Financial Group, filed a voluntary petition for reorganization under Chapter 11 in the U.S. Bankruptcy Court for the Southern District of New York.

About Ameris Bancorp

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers. It operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. The company offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It 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 personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans, equipment finance loans, and small business administration loans. It operates full service domestic banking offices, and mortgage and loan production offices. The company was founded in 1971 and is headquartered in Atlanta, Georgia.