ABCB
Ameris Bancorp
ABCB's outlook is improving, though it still trails on the overall score.
MS
Morgan Stanley
MS 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.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
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 MS in the historical PE scenario, which offers more potential upside but is not a forecast.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
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.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
MS has the edge over ABCB on the outlook, with more favorable revenue expectations.
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.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS 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 MS on profitability, with a higher operating margin.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over ABCB on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS's operating margin was 32% last quarter, down 1.2 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 MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
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 the edge over MS on shareholder dilution, with a more favorable share count trend.
| 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.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
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 has the edge over MS on leverage, with a lower net debt burden relative to earnings.
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
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).
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
ABCB PE vs Financial Services Sector
| Metric | ABCB | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 11% above |
| PE % | 90 | 63 | 27 pts above |
ABCB has the edge over MS on valuation relative to its sector.
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
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.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% 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 MS on returns for 2026, with the stronger performance.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.