Bank OZK vs Ameris Bancorp

Bank OZK and Ameris Bancorp are compared on this page to present their business models, financial performance, and market context in a clear, neutral, and accessible way. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

OZK

Metric

ABCB

$5.38B

Market Cap

$5.39B

12.67%

Potential Profit

0.09%

Hold

Analyst Rating

Buy

Investment Analysis

Bank OZK

OZK

Pros

Bank OZK has achieved strong loan portfolio growth of 10.1% in the first half of 2025, supported by expansion into high-growth Sunbelt states.
The bank maintains a conservative credit approach, resulting in a net charge-off ratio well below the industry average and robust profitability.
Bank OZK offers a reliable dividend yield of 3.6% and has increased its payout for 29 consecutive years, appealing to income-focused investors.

Considerations

The bank faces concentrated exposure to commercial real estate, which could pose risks if market conditions deteriorate further.
Recent branch expansion plans may pressure near-term profitability due to higher operating costs and integration challenges.
Despite strong fundamentals, Bank OZK's stock has received mixed investor sentiment and lower media coverage compared to some peers.

Ameris Bancorp

ABCB

Pros

Ameris Bancorp has demonstrated strong media sentiment and positive analyst coverage, reflecting broad market confidence in its strategy.
The bank maintains a healthy dividend payout ratio of 14.1%, suggesting sustainable dividend payments and room for future increases.
Ameris Bancorp has shown consistent revenue growth and a diversified loan book, reducing reliance on any single sector.

Considerations

Ameris Bancorp's dividend yield is relatively low at 1.1%, making it less attractive for income-seeking investors.
The bank's recent share price performance has been volatile, with some analysts revising earnings expectations downward.
Ameris Bancorp faces increasing competition in its core markets, which could constrain future loan growth and margin expansion.

About The Companies

Bank OZK (OZK)

Bank OZK is an American regional bank offering a wide array of financial products and services. Headquartered in Arkansas, it serves customers across nine states through more than 260 offices. The bank caters to personal and business clients with services including current and savings accounts, loans, credit cards, and treasury management. It also provides specialised services such as a business aviation group and wealth management, which covers investment management and retirement planning. While the bank has demonstrated healthy financial performance, it's important for potential investors to remember that the value of any investment can go down as well as up. The banking sector is competitive and subject to economic shifts, which can impact performance. This information is for educational purposes and not a recommendation to invest.

Ameris Bancorp (ABCB)

Ameris Bancorp is a financial holding company operating primarily through its subsidiary, Ameris Bank. It provides a comprehensive range of banking services to retail and commercial customers. The company is concentrated in the southeastern United States, with a network of full-service banking offices in Georgia, Alabama, Florida, North Carolina, and South Carolina. Its business is structured across several divisions: a Banking Division for commercial and consumer loans and deposits; a Retail Mortgage Division for residential loans; a Warehouse Lending Division that provides credit lines to other mortgage businesses; and a Premium Finance Division for commercial insurance loans. This diversified model allows Ameris to serve a variety of financial needs within its regional markets. As with any financial institution, its performance can be influenced by economic conditions, interest rates, and the health of the property market in its areas of operation.

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Comparison Snapshot