United Bankshares vs Ameris Bancorp

This page compares United Bankshares and Ameris Bancorp, examining their business models, financial performance, and market context to help readers understand how the two institutions approach growth and risk. The information is presented in a neutral, accessible way, focusing on structure, strategy, and industry trends rather than recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

UBSI

Metric

ABCB

$5.68B

Market Cap

$5.39B

-4.39%

Potential Profit

0.09%

Hold

Analyst Rating

Buy

Investment Analysis

United Bankshares

UBSI

Pros

United Bankshares reported record earnings for the third quarter of 2025, exceeding analyst expectations for both EPS and revenue.
The company maintains a strong balance sheet with a low debt-to-equity ratio and high net profit margin, indicating financial stability.
Noninterest income rose significantly in the third quarter of 2025, reflecting successful diversification beyond traditional banking activities.

Considerations

Analyst consensus is a 'hold' rating, suggesting limited near-term upside and muted investor enthusiasm.
Future growth prospects are rated as weak, with limited expected expansion in earnings or market share.
The stock's valuation is considered fair to slightly above average, offering little margin of safety for new investors.

Ameris Bancorp

ABCB

Pros

Ameris Bancorp delivered strong earnings in the third quarter of 2025, with robust EPS and solid revenue growth.
The company has a healthy balance sheet, low debt-to-equity ratio, and consistent profitability across its banking divisions.
Ameris Bancorp's diversified business segments, including mortgage, SBA, and premium finance, provide multiple revenue streams.

Considerations

Analyst ratings are cautious, with future earnings seen as dependent on maintaining tight control over loan quality and margins.
The stock has underperformed in the short term, with a recent decline in share price and modest analyst price targets.
Long-term growth outlook is limited, with expectations for only moderate expansion in the current economic environment.

About The Companies

United Bankshares (UBSI)

United Bankshares, Inc. (UBSI) is a financial holding company operating primarily through its subsidiary, United Bank. It is a significant player in the community banking space, offering a comprehensive suite of financial services to individuals and businesses. These services include standard deposit accounts, personal and commercial loans, real estate and construction lending, and brokerage and trust services. With a network of over 240 locations, the bank has a substantial presence across several US states, including Virginia, Maryland, and the Carolinas. For investors, UBSI represents a regional banking institution with diversified revenue streams. However, like any financial stock, its performance can be influenced by economic cycles, interest rate changes, and regulatory shifts. It's important to remember that past performance is not indicative of future returns, and the value of investments can go down as well as up.

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