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.
美國銀行(納斯達克：ABCB-GET評級)和Ally Financial(紐約證券交易所：ALL-GET評級)都是金融公司，但哪一項是更好的投資？我們將根據分析師的建議、收益、機構持股、估值、盈利能力、風險和股息對這兩家公司進行比較。
Volatility & Risk
波動性與風險
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的貝塔係數為1.19，表明其股價的波動性比標準普爾500指數高19%。相比之下，Ally Financial的貝塔係數為1.33，這表明其股價的波動性比標準普爾500指數高33%。
Valuation & Earnings
估值與收益
This table compares Ameris Bancorp and Ally Financial's revenue, earnings per share (EPS) and valuation.
該表比較了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 |
| 總收入 | 價格/銷售額比 | 淨收入 | 每股收益 | 市盈率 | |
| Ameris Bancorp | 10.7億美元 | 3.23 | 3.7691億美元 | $4.82 | 10.33 |
| Ally Financial | 82.1億美元 | 1.32 | 30.6億美元 | $6.94 | 5.07 |
Institutional & Insider Ownership
機構與內部人持股
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%的股份由機構投資者持有。相比之下，Ally Financial 94.4%的股份由機構投資者持有。Ameris Bancorp 5.5%的股份由內部人士持有。相比之下，Ally Financial 0.6%的股份由內部人士持有。強大的機構持股表明，捐贈基金、對衝基金和大型基金管理公司相信，一家公司有望實現長期增長。
Analyst Recommendations
分析師建議
This is a breakdown of current ratings for Ameris Bancorp and Ally Financial, as reported by MarketBeat.
這是MarketBeat報道的ameris Bancorp和Ally Financial的當前評級細目。
| 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 |
| 銷售評級 | 保持評級 | 購買評級 | 強勁的買入評級 | 評級分數 | |
| 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目前的共識目標價為52.50美元，表明潛在上行空間為5.49%。Ally Financial的共識目標價為50.64美元，表明潛在上行空間為44.04%。考慮到Ally Financial更強的共識評級和更高的可能上行空間，分析師顯然認為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.
下表比較了ameris Bancorp和Ally Financial的淨利潤率、股本回報率和資產回報率。
| Net Margins | Return on Equity | Return on Assets | |
| Ameris Bancorp | 31.45% | 10.78% | 1.38% |
| Ally Financial | 29.79% | 20.99% | 1.56% |
| 淨利潤率 | 股本回報率 | 資產回報率 | |
| Ameris Bancorp | 31.45% | 10.78% | 1.38% |
| Ally Financial | 29.79% | 20.99% | 1.56% |
Dividends
分紅
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的年度股息為每股0.6美元，股息率為1.2%。Ally Financial的年度股息為每股1.2美元，股息率為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%。這兩家公司的派息率都很健康，應該能夠在未來幾年用收益來支付股息。Ally Financial已連續6年上調股息。Ally Financial顯然是更好的股息股票，因為它的收益率更高，股息增長的記錄也更長。
Summary
摘要
Ally Financial beats Ameris Bancorp on 12 of the 17 factors compared between the two stocks.
Ally Financial在兩隻股票比較的17個因素中有12個擊敗了ameris Bancorp。
About Ameris Bancorp
關於ameris Bancorp
(Get Rating)
(獲取評級)
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的銀行控股公司，主要為佐治亞州、阿拉巴馬州、佛羅裏達州、北卡羅來納州和南卡羅來納州的零售和商業客户提供一系列銀行服務。該公司通過五個部門運營：銀行部門、零售抵押部門、倉庫貸款部門、SBA部門和高級金融部門。它提供商業和零售支票、定期計息儲蓄、貨幣市場、個人退休和存單賬户。該公司還提供商業房地產、住宅房地產抵押貸款、農業貸款、商業和工業貸款；消費貸款，包括機動車、家裝和房屋淨值貸款，以及以儲蓄賬户和小額無擔保個人信用額度為擔保的貸款。此外，它還發起、管理和服務商業保險費貸款和小企業管理貸款。該公司擁有165個提供全方位服務的國內銀行辦事處和35個抵押貸款製作辦事處。Ameris Bancorp成立於1971年，總部設在佐治亞州亞特蘭大。
About Ally Financial
關於Ally Financial
(Get Rating)
(獲取評級)
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.是一家數字金融服務公司，主要向美國和加拿大的消費者、商業和企業客户提供各種數字金融產品和服務。它通過四個部門運營：汽車金融運營、保險運營、抵押融資運營和公司融資運營。汽車金融運營部門提供汽車融資服務，包括提供零售分期付款銷售合同、貸款和經營租賃、向經銷商提供定期貸款、為經銷商提供樓層計劃和其他信貸額度、向汽車零售商提供倉庫額度以及車隊融資。它還向公司和市政當局提供購買或租賃車輛的融資服務，以及車輛再營銷服務。保險運營部門通過汽車經銷商渠道提供消費者金融保護和保險產品，並直接向經銷商提供商業保險產品。該部門提供車輛服務和維護合同，以及有擔保的資產保護產品；並承保商業保險，主要承保經銷商的車輛庫存。抵押貸款業務部門管理消費抵押貸款組合，包括大量購買由第三方發起的巨型和中低收入抵押貸款，以及直接面向消費者的抵押貸款。公司融資業務部門為中端市場公司提供高級擔保槓桿現金流和基於資產的貸款；槓桿貸款；以及為醫療保健行業公司服務的商業房地產產品。該公司還提供商業銀行產品和服務。此外, 它提供證券經紀和投資諮詢服務。該公司前身為GMAC Inc.，並於2010年5月更名為Ally Financial Inc.。Ally Financial Inc.成立於1919年，總部設在密歇根州底特律。
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