Ameris Bancorp vs Hancock Whitney

This page compares Ameris Bancorp and Hancock Whitney Corporation, outlining their business models, financial performance, and market context in clear, accessible language. It provides neutral information to inform understanding, not to direct actions. The goal is to surface similarities and differences for contextual awareness. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

ABCB

Metric

HWC

$5.39B

Market Cap

$5.65B

0.09%

Potential Profit

0.92%

Buy

Analyst Rating

Buy

Investment Analysis

Ameris Bancorp

ABCB

Pros

Ameris Bancorp reported a 21% year-on-year increase in net income for Q2 2025, reflecting strong profitability and operational efficiency.
The bank maintains a robust net interest margin of 3.77% and a high return on tangible common equity of 15.82%, indicating effective asset utilisation.
Tangible book value per share has grown consistently, reaching $41.32 in Q2 2025, supported by disciplined balance sheet management and capital accumulation.

Considerations

Ameris Bancorp's stock is trading near its 52-week high, which may limit near-term upside and increase vulnerability to market corrections.
The company's performance is closely tied to Southeastern US markets, exposing it to regional economic fluctuations and concentration risk.
Despite strong margins, the bank faces ongoing pressure from competitive lending environments and potential regulatory changes in the banking sector.

Hancock Whitney

HWC

Pros

Hancock Whitney Corporation benefits from a diversified regional footprint across the Gulf Coast and Southeast, supporting stable deposit and loan growth.
The bank maintains a solid capital position with a strong tangible common equity ratio, providing resilience against credit cycle fluctuations.
Hancock Whitney has demonstrated consistent operational efficiency, with a low cost-to-income ratio and a focus on digital transformation initiatives.

Considerations

Hancock Whitney's earnings growth has been modest compared to some regional peers, reflecting challenges in scaling profitability rapidly.
The company is exposed to cyclical industries such as energy and real estate, which can impact asset quality during economic downturns.
Recent regulatory scrutiny and compliance costs in the Gulf region may pressure margins and increase operational complexity.

About The Companies

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.

Hancock Whitney (HWC)

Hancock Whitney Corporation is a bank holding company that delivers a wide array of financial services through its main subsidiary, Hancock Whitney Bank. It serves a diverse client base, including commercial entities, small businesses, and individual retail customers. The bank's offerings include traditional banking products like transaction and savings accounts, treasury management services, and various types of loans. Beyond standard banking, Hancock Whitney provides trust and investment management services for retirement plans, corporations, and private individuals, giving customers access to investment advisory and brokerage products. It aims to be a comprehensive financial partner for its clients, offering a blend of traditional and online services. As with any financial institution, its performance can be influenced by economic conditions, interest rates, and regulatory changes. Potential investors should consider that the value of shares can go down as well as up.

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Comparison Snapshot