Ameris Bancorp vs White Mountains Insurance

Ameris Bancorp vs White Mountains Insurance Group, Ltd. This page compares business models, financial performance, and market context for each company in a neutral, accessible manner, helping readers understand how the firms operate and position themselves within the industry. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

ABCB

Metric

WTM

$5.39B

Market Cap

$5.15B

0.09%

Potential Profit

N/A

Buy

Analyst Rating

N/A

Investment Analysis

Ameris Bancorp

ABCB

Pros

Net income surged 21% year-on-year in Q2 2025, supported by strong net interest margin expansion to 3.77%.
Efficiency ratio remains robust at 51.63%, reflecting disciplined cost management and operational effectiveness.
Noninterest-bearing deposits account for 31% of total deposits, providing a stable and low-cost funding base.

Considerations

Stock trades near its 52-week high, potentially limiting near-term upside and increasing sensitivity to market corrections.
Analyst price targets suggest limited downside, but also imply muted future returns compared to recent performance.
Regional bank exposure may leave the company vulnerable to local economic downturns or real estate market volatility.

White Mountains Insurance

WTM

Pros

Diversified operations across property and casualty insurance, reinsurance, and municipal bond insurance provide multiple revenue streams.
Strong return on assets at 2.68% and return on equity at 6.08%, indicating efficient use of capital.
Low beta of 0.31 suggests lower volatility compared to broader market, appealing for risk-averse investors.

Considerations

Net income declined by over 50% in 2024, reflecting significant earnings volatility and potential underwriting challenges.
High price-to-earnings ratio of nearly 24x may indicate stretched valuation relative to earnings performance.
Limited analyst coverage and lack of forward price targets reduce transparency and market confidence.

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.

White Mountains Insurance (WTM)

White Mountains Insurance Group, Ltd. (WTM) is a Bermuda‑based diversified insurance holding company that combines underwriting operations, reinsurance and run‑off businesses with an investment portfolio. Investors should know it generates returns from insurance float and investment income while managing underwriting risks; its results can be affected by catastrophe losses, reserve development and capital market movements. With a market capitalisation of about $4.88bn, White Mountains tends to be evaluated on metrics such as combined ratio, book value per share and investment performance rather than short‑term price moves. The group’s capital allocation — including dividends, share repurchases and reinvestment — is important to returns and can change with economic and underwriting cycles. This summary is general, educational information only and not personal financial advice. Insurance stocks can be volatile; prospective investors should review the company’s filings, consider how it fits their portfolio and, if needed, consult a regulated financial adviser.

Which Baskets Do They Appear In?

No baskets available in this category

Which Baskets Do They Appear In?

No baskets available in this category

Buy ABCB or WTM in Nemo

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Discover More Comparisons

Ameris Bancorp vs Hancock Whitney

Ameris Bancorp vs Hancock Whitney: a factual comparison

Ameris Bancorp vs Intercorp Financial Services

Ameris Bancorp vs INTERCORP FINANCIAL SERVICES

Ameris Bancorp vs White Mountains Insurance

Comparison Snapshot