Advertisement
ABCB vs FBK
Ameris Bancorp (ABCB) vs FB Financial (FBK) Earnings Preview: Q1 Momentum in Regional Banking
Key Takeaways
- ABCB's Q1 2026 earnings slated for April 23, with analysts eyeing EPS around $1.54 and revenue near $310 million, building on Q4 2025's record $1.59 EPS.
- FBK's Q1 2026 report due April 13, consensus at $1.11-$1.15 EPS and $175-176 million revenue, following strong Q4 adjusted EPS of $1.16.
- Both banks show robust balance sheets: ABCB with $27.5B assets, FBK at $16.3B, reflecting Southeast regional focus.
- NIM strength persists—ABCB at 3.79%, FBK at 3.98% in Q4—amid deposit and loan growth.
- Capital positions solid: ABCB CET1 (common equity tier 1 capital ratio, a key measure of core capital strength) around 10.5-11%, FBK at 11.4%.
- Regional banking peers benefit from higher rates, but credit and deposit costs remain watchpoints.
Earnings Context and Why This Comparison Matters
ABCB and ABCB (FBK) operate as regional bank holding companies in the Southeast U.S., providing commercial and consumer banking through subsidiaries Ameris Bank and FirstBank. Both emphasize relationship-driven lending in growing markets like Georgia, Florida, Tennessee, and Alabama. Earnings reports offer insights into net interest income (NII, interest revenue minus funding costs), loan/deposit dynamics, and asset quality amid elevated rates. Comparing them highlights operational efficiencies, growth trajectories, and resilience in a competitive landscape where NIM expansion and controlled expenses drive profitability.
FB Financial (FBK) Focus
FBK (FBK) will release Q1 2026 results on April 13 after market close, followed by a conference call on April 14. Analysts project EPS of $1.11-$1.15 and revenue around $175-176 million, signaling 35%+ year-over-year growth from prior periods. This previews builds on Q4 2025 strength: adjusted EPS $1.16 (beating estimates), revenue $178.6 million (up 34% YoY), NIM 3.98%, and ROA 1.40%. Loans grew to $12.38 billion (up from $9.60 billion YoY), deposits to $13.91 billion. Total assets hit $16.3 billion, with CET1 at 11.4% supporting mid-to-high single-digit growth outlook. Focus areas include NII momentum from asset repricing and merger synergies.
Ameris Bancorp (ABCB) Context
ABCB (ABCB) reports Q1 2026 on April 23 after close, with a call April 24. Expectations center on EPS ~$1.54 and revenue ~$310 million. Q4 2025 delivered record full-year net income $412 million, EPS $6.00 (up 15% YoY), revenue $307 million, NIM 3.79%, ROA 1.54%. Loans rose $255 million in Q4, deposits $654 million annually; total assets $27.5 billion. CET1 ~10.5-11%, with mid-single-digit loan/deposit growth guided. Recent performance underscores profitability amid stable credit (NPAs low) and expense discipline.
Head-to-Head Earnings and Market Comparison
ABCB dwarfs FBK in scale—$5.6B market cap and $27.5B assets vs. FBK's $2.9B cap and $16.3B assets—enabling broader diversification but higher CRE (commercial real estate) exposure at ~290%. Both posted strong Q4 NIM (ABCB 3.79%, FBK 3.98%), ROA above 1.4%, reflecting rate benefits on loans vs. deposits. Earnings growth favors ABCB's scale (full-year EPS $6), while FBK shows nimbler YoY revenue jumps (34%). Loan/deposit betas stable; CET1 buffers (11%+ range) mitigate risks. Sentiment tilts positive on ABCB's record profitability and FBK's merger-driven expansion, though deposit competition pressures NII. Risks include NCOs (net charge-offs) and economic slowdowns impacting Southeast markets.
AI Screener
Tickeron’s AI Screener is an AI-powered stock and ETF discovery tool that helps traders and investors filter the market based on technical patterns, fundamentals, trends, volatility, and AI-driven signals. Users can scan thousands of stocks and ETFs using customizable filters such as industry, market capitalization, technical indicators, price patterns, and performance metrics. The screener identifies trade ideas, trending stocks, breakout candidates, and market opportunities more efficiently than manual screening. Explore it today to uncover potential edges in banking peers like ABCB and FBK.
Tickeron AI Verdict
Tickeron AI leans toward ABCB with higher conviction (65% probability) due to superior scale, proven earnings stability (record 2025), and NIM/ROA strength, positioning it better for sustained trends. FBK offers growth upside (35%) via nimble expansion but trails on asset base and consistency.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ABCB is a Buy and FBK is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ABCB’s FA Score shows that 1 FA rating(s) are green whileFBK’s FA Score has 1 green FA rating(s).
- ABCB’s FA Score: 1 green, 4 red.
- FBK’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
ABCB’s TA Score shows that 5 TA indicator(s) are bullish while FBK’s TA Score has 7 bullish TA indicator(s).
- ABCB’s TA Score: 5 bullish, 4 bearish.
- FBK’s TA Score: 7 bullish, 2 bearish.
Price Growth
ABCB (@Regional Banks) experienced а -0.56% price change this week, while FBK (@Regional Banks) price change was +0.07% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
ABCB is expected to report earnings on Jul 23, 2026.
FBK is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| ABCB | FBK | ABCB / FBK | |
| Capitalization | 5.95B | 2.82B | 211% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 17.933 | -2.830 | -634% |
| P/E Ratio | 13.74 | 19.86 | 69% |
| Revenue | 1.2B | 603M | 200% |
| Total Cash | 217M | 196M | 111% |
| Total Debt | 1.02B | 272M | 376% |
ABCB | FBK | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 20 | 26 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 78 Overvalued | 78 Overvalued | |
PROFIT vs RISK RATING 1..100 | 37 | 60 | |
SMR RATING 1..100 | 26 | 41 | |
PRICE GROWTH RATING 1..100 | 44 | 50 | |
P/E GROWTH RATING 1..100 | 35 | 33 | |
SEASONALITY SCORE 1..100 | 50 | 6 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ABCB's Valuation (78) in the Regional Banks industry is in the same range as FBK (78) in the Major Banks industry. This means that ABCB’s stock grew similarly to FBK’s over the last 12 months.
ABCB's Profit vs Risk Rating (37) in the Regional Banks industry is in the same range as FBK (60) in the Major Banks industry. This means that ABCB’s stock grew similarly to FBK’s over the last 12 months.
ABCB's SMR Rating (26) in the Regional Banks industry is in the same range as FBK (41) in the Major Banks industry. This means that ABCB’s stock grew similarly to FBK’s over the last 12 months.
ABCB's Price Growth Rating (44) in the Regional Banks industry is in the same range as FBK (50) in the Major Banks industry. This means that ABCB’s stock grew similarly to FBK’s over the last 12 months.
FBK's P/E Growth Rating (33) in the Major Banks industry is in the same range as ABCB (35) in the Regional Banks industry. This means that FBK’s stock grew similarly to ABCB’s over the last 12 months.
| ABCB | FBK | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 63% | N/A |
| Stochastic ODDS (%) | 2 days ago 66% | 2 days ago 69% |
| Momentum ODDS (%) | 2 days ago 64% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 83% | 2 days ago 63% |
| TrendWeek ODDS (%) | 2 days ago 62% | 2 days ago 59% |
| TrendMonth ODDS (%) | 2 days ago 63% | 2 days ago 63% |
| Advances ODDS (%) | 12 days ago 65% | 2 days ago 65% |
| Declines ODDS (%) | 23 days ago 62% | 23 days ago 62% |
| BollingerBands ODDS (%) | 2 days ago 60% | 2 days ago 63% |
| Aroon ODDS (%) | 2 days ago 50% | 2 days ago 63% |
Advertisement
| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| IWR | 109.10 | 0.56 | +0.52% |
| iShares Russell Mid-Cap ETF | |||
| BSJR | 22.33 | 0.02 | +0.08% |
| Invesco BulletShares 2027 HY Corp Bd ETF | |||
| CEW | 19.43 | N/A | -0.01% |
| WisdomTree Emerging Currency Strat ETF | |||
| PSH | 50.03 | -0.01 | -0.03% |
| PGIM Short Duration High Yield ETF | |||
| TRUT | 31.76 | -0.12 | -0.38% |
| VanEck Technology TruSector ETF | |||
FBK and
Correlation & Price change
A.I.dvisor indicates that over the last year, FBK has been closely correlated with ASB. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if FBK jumps, then ASB could also see price increases.
| Ticker / NAME | Correlation To FBK | 1D Price Change % | ||
|---|---|---|---|---|
| FBK | 100% | +0.13% | ||
| ASB - FBK | 84% Closely correlated | +0.62% | ||
| UCB - FBK | 84% Closely correlated | +1.61% | ||
| UBSI - FBK | 83% Closely correlated | +1.17% | ||
| ABCB - FBK | 83% Closely correlated | -0.26% | ||
| PRK - FBK | 83% Closely correlated | -0.04% | ||
More | ||||