ABCB
Ameris Bancorp
ABCB's outlook is improving, though it still trails on the overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over ABCB overall, supported by stronger fundamentals and stronger valuation.
ABCB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
ABCB's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ABCB.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
ABCB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $50.20 | -39% |
| Fair | 11x | $65.46 | -21% |
| Forward | 12x | $82.50 | — |
| Expensive | 14x | $79.44 | -3.7% |
| Current | 14x | $82.50 | — |
Historical ranges are pointers, not guarantees.
ABCB has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
ABCB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect ABCB's earnings to grow and its profitability to improve, with its revenue holding steady.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
ABCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.84 | +20% |
| Q3 2026 | $5.72 | -0.7% |
| Q2 2026 | $5.53 | -2.3% |
| Q1 2026 | $6.36 | +18% |
| Q4 2025 | $6.00 | +16% |
| Q3 2025 | $5.76 | +20% |
| Q2 2025 | $5.66 | +25% |
| Q1 2025 | $5.38 | +31% |
| Q4 2024 | $5.19 | +33% |
ABCB earned $5.72 per share over the past year, about the same as the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over ABCB on earnings, with more consistent year-over-year improvement.
ABCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $321.8M | +2.4% |
| Q2 2026 | $326M | +8.4% |
| Q1 2026 | $314.4M | +10% |
| Q4 2025 | $307.1M | +5.6% |
| Q3 2025 | $314.2M | +11% |
| Q2 2025 | $300.7M | 0% |
| Q1 2025 | $285.9M | +7% |
| Q4 2024 | $290.8M | +11% |
ABCB's revenue has grown year over year for 10 quarters in a row: $322M last quarter, up 2.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +3.2 points |
| Q2 2026 | 20% | -27 points |
| Q1 2026 | 45% | +5.3 points |
| Q4 2025 | 46% | +2.6 points |
| Q3 2025 | 44% | -0.8 points |
| Q2 2025 | 47% | +5.4 points |
| Q1 2025 | 40% | +3 points |
| Q4 2024 | 43% | +8.9 points |
ABCB has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
ABCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $213.8M | +113% |
| Q2 2026 | $70.8M | +32% |
| Q1 2026 | $249.4M | +118% |
| Q4 2025 | $101.2M | -20% |
| Q3 2025 | $100.5M | +0.8% |
| Q2 2025 | $53.7M | +$154.1M |
| Q1 2025 | $114.2M | +654% |
| Q4 2024 | $126.1M | -39% |
ABCB has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
ABCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -75.3K shares |
| 1 year | -2.4% | -1.6M shares |
| 3 years | -2.9% | -2M shares |
| 5 years | -3.9% | -2.7M shares |
| Available history | +14% | +8.4M shares |
ABCB has 67M diluted shares, down 2.4% from a year ago, with $144M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $38,000 |
| Q2 2026 | $19.7M |
| Q1 2026 | $83.6M |
| Q4 2025 | $40.8M |
| Q3 2025 | $8.5M |
| Q2 2025 | $12.9M |
| Q1 2025 | $20.7M |
| Q4 2024 | $103,000 |
ABCB spent $144M buying back its own shares over the past year, about three times what it spent the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over ABCB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
ABCB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.6x | Healthy |
| Q2 2026 | 2.3x | Moderate |
| Q1 2026 | 1.3x | Healthy |
| Q4 2025 | 0.8x | Very low |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 0.4x | Very low |
ABCB's net debt is about 1.6 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like ABCB.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over ABCB on leverage, with a lower net debt burden relative to earnings.
ABCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.4 | Neutral |
| Stochastic | 39.0 | Neutral |
ABCB's weekly RSI is 47 (neutral) and its Stochastic is 39 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
ABCB PE vs Financial Services Sector
| Metric | ABCB | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 11% above |
| PE % | 90 | 63 | 27 pts above |
ABCB is trading at 14x earnings, a 11% premium to the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over ABCB on valuation relative to its sector.
ABCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $81.5 | 1.3% above |
| 20 week MA | $85.2 | 3.1% below |
| 50 week MA | $82.9 | 0.5% below |
| 100 week MA | $74.2 | 11% above |
| 200 week MA | $60.9 | 35% above |
ABCB's trend is mixed: it's above three of its five weekly moving averages, and 35% above its 200-week average.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
ABCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.7 | $37.5 | -12% |
| 2021 | $37.5 | $49.2 | +31% |
| 2022 | $49.2 | $47.9 | -2.7% |
| 2023 | $47.9 | $53.1 | +11% |
| 2024 | $53.1 | $63.1 | +19% |
| 2025 | $63.1 | $76.0 | +21% |
| 2026 YTD | $76.0 | $82.5 | +8.6% |
ABCB has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.