Ally Financial (NYSE:ALLY) Vs. Ameris Bancorp (NASDAQ:ABCB) Head-To-Head Survey
Ally Financial (NYSE:ALLY) Vs. Ameris Bancorp (NASDAQ:ABCB) Head-To-Head Survey
Ameris Bancorp (NASDAQ:ABCB – Get Rating) and Ally Financial (NYSE:ALLY – Get Rating) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their analyst recommendations, earnings, institutional ownership, valuation, profitability, risk and dividends.
美国银行(纳斯达克：ABCB-GET评级)和Ally Financial(纽约证券交易所：ALL-GET评级)都是金融公司，但哪一项是更好的投资？我们将根据分析师的建议、收益、机构持股、估值、盈利能力、风险和股息对这两家公司进行比较。
Volatility & Risk
波动性与风险
Ameris Bancorp has a beta of 1.19, indicating that its share price is 19% more volatile than the S&P 500. Comparatively, Ally Financial has a beta of 1.33, indicating that its share price is 33% more volatile than the S&P 500.
Ameris Bancorp的贝塔系数为1.19，表明其股价的波动性比标准普尔500指数高19%。相比之下，Ally Financial的贝塔系数为1.33，这表明其股价的波动性比标准普尔500指数高33%。
Valuation & Earnings
估值与收益
This table compares Ameris Bancorp and Ally Financial's revenue, earnings per share (EPS) and valuation.
该表比较了ameris Bancorp和Ally Financial的收入、每股收益(EPS)和估值。
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Ameris Bancorp | $1.07 billion | 3.23 | $376.91 million | $4.82 | 10.33 |
| Ally Financial | $8.21 billion | 1.32 | $3.06 billion | $6.94 | 5.07 |
| 总收入 | 价格/销售额比 | 净收入 | 每股收益 | 市盈率 | |
| Ameris Bancorp | 10.7亿美元 | 3.23 | 3.7691亿美元 | $4.82 | 10.33 |
| Ally Financial | 82.1亿美元 | 1.32 | 30.6亿美元 | $6.94 | 5.07 |
Institutional & Insider Ownership
机构与内部人持股
88.2% of Ameris Bancorp shares are owned by institutional investors. Comparatively, 94.4% of Ally Financial shares are owned by institutional investors. 5.5% of Ameris Bancorp shares are owned by insiders. Comparatively, 0.6% of Ally Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Ameris Bancorp 88.2%的股份由机构投资者持有。相比之下，Ally Financial 94.4%的股份由机构投资者持有。Ameris Bancorp 5.5%的股份由内部人士持有。相比之下，Ally Financial 0.6%的股份由内部人士持有。强大的机构持股表明，捐赠基金、对冲基金和大型基金管理公司相信，一家公司有望实现长期增长。
Analyst Recommendations
分析师建议
This is a breakdown of current ratings for Ameris Bancorp and Ally Financial, as reported by MarketBeat.
这是MarketBeat报道的ameris Bancorp和Ally Financial的当前评级细目。
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Ameris Bancorp | 0 | 1 | 1 | 0 | 2.50 |
| Ally Financial | 1 | 3 | 7 | 0 | 2.55 |
| 销售评级 | 保持评级 | 购买评级 | 强劲的买入评级 | 评级分数 | |
| Ameris Bancorp | 0 | 1 | 1 | 0 | 2.50 |
| Ally Financial | 1 | 3 | 7 | 0 | 2.55 |
Ameris Bancorp currently has a consensus target price of $52.50, indicating a potential upside of 5.49%. Ally Financial has a consensus target price of $50.64, indicating a potential upside of 44.04%. Given Ally Financial's stronger consensus rating and higher possible upside, analysts plainly believe Ally Financial is more favorable than Ameris Bancorp.
Ameris Bancorp目前的共识目标价为52.50美元，表明潜在上行空间为5.49%。Ally Financial的共识目标价为50.64美元，表明潜在上行空间为44.04%。考虑到Ally Financial更强的共识评级和更高的可能上行空间，分析师显然认为Ally Financial比ameris Bancorp更有利。
Profitability
盈利能力
This table compares Ameris Bancorp and Ally Financial's net margins, return on equity and return on assets.
下表比较了ameris Bancorp和Ally Financial的净利润率、股本回报率和资产回报率。
| Net Margins | Return on Equity | Return on Assets | |
| Ameris Bancorp | 31.45% | 10.78% | 1.38% |
| Ally Financial | 29.79% | 20.99% | 1.56% |
| 净利润率 | 股本回报率 | 资产回报率 | |
| Ameris Bancorp | 31.45% | 10.78% | 1.38% |
| Ally Financial | 29.79% | 20.99% | 1.56% |
Dividends
分红
Ameris Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.2%. Ally Financial pays an annual dividend of $1.20 per share and has a dividend yield of 3.4%. Ameris Bancorp pays out 12.4% of its earnings in the form of a dividend. Ally Financial pays out 17.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Ally Financial has raised its dividend for 6 consecutive years. Ally Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Ameris Bancorp的年度股息为每股0.6美元，股息率为1.2%。Ally Financial的年度股息为每股1.2美元，股息率为3.4%。Ameris Bancorp以股息的形式支付其收益的12.4%。Ally Financial以股息的形式支付其收益的17.3%。这两家公司的派息率都很健康，应该能够在未来几年用收益来支付股息。Ally Financial已连续6年上调股息。Ally Financial显然是更好的股息股票，因为它的收益率更高，股息增长的记录也更长。
Summary
摘要
Ally Financial beats Ameris Bancorp on 12 of the 17 factors compared between the two stocks.
Ally Financial在两只股票比较的17个因素中有12个击败了ameris Bancorp。
About Ameris Bancorp
关于ameris Bancorp
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Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers primarily in Georgia, Alabama, Florida, North Carolina, and South Carolina. The company operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. It offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. 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. In addition, it originates, administers, and services commercial insurance premium loans and small business administration loans. The company operates 165 full service domestic banking offices and 35 mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.
Ameris Bancorp是ameris Bank的银行控股公司，主要为佐治亚州、阿拉巴马州、佛罗里达州、北卡罗来纳州和南卡罗来纳州的零售和商业客户提供一系列银行服务。该公司通过五个部门运营：银行部门、零售抵押部门、仓库贷款部门、SBA部门和高级金融部门。它提供商业和零售支票、定期计息储蓄、货币市场、个人退休和存单账户。该公司还提供商业房地产、住宅房地产抵押贷款、农业贷款、商业和工业贷款；消费贷款，包括机动车、家装和房屋净值贷款，以及以储蓄账户和小额无担保个人信用额度为担保的贷款。此外，它还发起、管理和服务商业保险费贷款和小企业管理贷款。该公司拥有165个提供全方位服务的国内银行办事处和35个抵押贷款制作办事处。Ameris Bancorp成立于1971年，总部设在佐治亚州亚特兰大。
About Ally Financial
关于Ally Financial
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Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through four segments: Automotive Finance Operations, Insurance Operations, Mortgage Finance Operations, and Corporate Finance Operations. The Automotive Finance Operations segment offers automotive financing services, including providing retail installment sales contracts, loans and operating leases, term loans to dealers, financing dealer floorplans and other lines of credit to dealers, warehouse lines to automotive retailers, and fleet financing. It also provides financing services to companies and municipalities for the purchase or lease of vehicles, and vehicle-remarketing services. The Insurance Operations segment offers consumer finance protection and insurance products through the automotive dealer channel, and commercial insurance products directly to dealers. This segment provides vehicle service and maintenance contract, and guaranteed asset protection products; and underwrites commercial insurance coverages, which primarily insure dealers' vehicle inventory. The Mortgage Finance Operations segment manages consumer mortgage loan portfolio that includes bulk purchases of jumbo and low-to-moderate income mortgage loans originated by third parties, as well as direct-to-consumer mortgage offerings. The Corporate Finance Operations segment provides senior secured leveraged cash flow and asset-based loans to middle market companies; leveraged loans; and commercial real estate product to serve companies in the healthcare industry. The company also offers commercial banking products and services. In addition, it provides securities brokerage and investment advisory services. The company was formerly known as GMAC Inc. and changed its name to Ally Financial Inc. in May 2010. Ally Financial Inc. was founded in 1919 and is based in Detroit, Michigan.
Ally Financial Inc.是一家数字金融服务公司，主要向美国和加拿大的消费者、商业和企业客户提供各种数字金融产品和服务。它通过四个部门运营：汽车金融运营、保险运营、抵押融资运营和公司融资运营。汽车金融运营部门提供汽车融资服务，包括提供零售分期付款销售合同、贷款和经营租赁、向经销商提供定期贷款、为经销商提供楼层计划和其他信贷额度、向汽车零售商提供仓库额度以及车队融资。它还向公司和市政当局提供购买或租赁车辆的融资服务，以及车辆再营销服务。保险运营部门通过汽车经销商渠道提供消费者金融保护和保险产品，并直接向经销商提供商业保险产品。该部门提供车辆服务和维护合同，以及有担保的资产保护产品；并承保商业保险，主要承保经销商的车辆库存。抵押贷款业务部门管理消费抵押贷款组合，包括大量购买由第三方发起的巨型和中低收入抵押贷款，以及直接面向消费者的抵押贷款。公司融资业务部门为中端市场公司提供高级担保杠杆现金流和基于资产的贷款；杠杆贷款；以及为医疗保健行业公司服务的商业房地产产品。该公司还提供商业银行产品和服务。此外, 它提供证券经纪和投资咨询服务。该公司前身为GMAC Inc.，并于2010年5月更名为Ally Financial Inc.。Ally Financial Inc.成立于1919年，总部设在密歇根州底特律。
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