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Side-by-side financial comparison of Ameris Bancorp (ABCB) and Bandwidth Inc. (BAND). Click either name above to swap in a different company.
Ameris Bancorp is the larger business by last-quarter revenue ($314.4M vs $207.7M, roughly 1.5× Bandwidth Inc.). On growth, Ameris Bancorp posted the faster year-over-year revenue change (10.0% vs -1.1%). Over the past eight quarters, Bandwidth Inc.'s revenue compounded faster (10.2% CAGR vs 2.3%).
Ameris Bancorp is an American bank holding company headquartered in Atlanta, Georgia. Through its bank subsidiary, Ameris Bank, the company operates full-service branches in Georgia, Alabama, Florida, North Carolina and South Carolina, and mortgage-only locations in Georgia, Alabama, Florida, North Carolina, South Carolina, Virginia, Maryland, and Tennessee. The company offers online and mobile banking options for both consumers and businesses.
Bandwidth Inc. is a communications platform as a service company. It sells software application programming interfaces for voice, text messaging and emergency services, using its own global IP voice network.
ABCB vs BAND — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $314.4M | $207.7M |
| Net Profit | $110.5M | — |
| Gross Margin | — | 37.6% |
| Operating Margin | — | -1.9% |
| Net Margin | 35.1% | — |
| Revenue YoY | 10.0% | -1.1% |
| Net Profit YoY | — | — |
| EPS (diluted) | $1.63 | $-0.10 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $207.7M | ||
| Q3 25 | $314.2M | $191.9M | ||
| Q2 25 | $300.7M | $180.0M | ||
| Q1 25 | $285.9M | $174.2M | ||
| Q4 24 | $290.8M | $210.0M | ||
| Q3 24 | $283.8M | $193.9M | ||
| Q2 24 | $300.6M | $173.6M |
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | — | ||
| Q3 25 | $106.0M | $-1.2M | ||
| Q2 25 | $109.8M | $-4.9M | ||
| Q1 25 | $87.9M | $-3.7M | ||
| Q4 24 | $94.4M | — | ||
| Q3 24 | $99.2M | $413.0K | ||
| Q2 24 | $90.8M | $4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 37.6% | ||
| Q3 25 | — | 38.5% | ||
| Q2 25 | — | 39.8% | ||
| Q1 25 | — | 41.0% | ||
| Q4 24 | — | 36.4% | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | — | 37.3% |
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | -1.9% | ||
| Q3 25 | 43.6% | -1.0% | ||
| Q2 25 | 47.4% | -2.1% | ||
| Q1 25 | 39.5% | -2.7% | ||
| Q4 24 | 43.3% | -1.3% | ||
| Q3 24 | 44.4% | -0.5% | ||
| Q2 24 | 42.1% | -3.5% |
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | — | ||
| Q3 25 | 33.7% | -0.6% | ||
| Q2 25 | 36.5% | -2.7% | ||
| Q1 25 | 30.8% | -2.1% | ||
| Q4 24 | 42.5% | — | ||
| Q3 24 | 35.0% | 0.2% | ||
| Q2 24 | 30.2% | 2.3% |
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $-0.10 | ||
| Q3 25 | $1.54 | $-0.04 | ||
| Q2 25 | $1.60 | $-0.16 | ||
| Q1 25 | $1.27 | $-0.13 | ||
| Q4 24 | $1.35 | $0.27 | ||
| Q3 24 | $1.44 | $0.01 | ||
| Q2 24 | $1.32 | $-0.17 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $111.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $4.1B | $400.0M |
| Total Assets | $28.1B | $1.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $111.3M | ||
| Q3 25 | — | $80.4M | ||
| Q2 25 | — | $68.1M | ||
| Q1 25 | — | $41.7M | ||
| Q4 24 | — | $83.8M | ||
| Q3 24 | — | $79.9M | ||
| Q2 24 | — | $76.4M |
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $400.0M | ||
| Q3 25 | $4.0B | $392.7M | ||
| Q2 25 | $3.9B | $384.5M | ||
| Q1 25 | $3.8B | $345.4M | ||
| Q4 24 | $3.8B | $312.5M | ||
| Q3 24 | $3.7B | $336.6M | ||
| Q2 24 | $3.6B | $307.4M |
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $1.1B | ||
| Q3 25 | $27.1B | $1.0B | ||
| Q2 25 | $26.7B | $1.0B | ||
| Q1 25 | $26.5B | $964.4M | ||
| Q4 24 | $26.3B | $989.2M | ||
| Q3 24 | $26.4B | $1.0B | ||
| Q2 24 | $26.5B | $1.0B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $38.6M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $38.6M | ||
| Q3 25 | $104.9M | $22.2M | ||
| Q2 25 | $61.4M | $31.7M | ||
| Q1 25 | $116.9M | $-3.1M | ||
| Q4 24 | $154.2M | $36.5M | ||
| Q3 24 | $102.2M | $20.5M | ||
| Q2 24 | $-97.1M | $24.4M |
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | — | ||
| Q3 25 | $100.5M | — | ||
| Q2 25 | $53.7M | — | ||
| Q1 25 | $114.2M | — | ||
| Q4 24 | $140.7M | — | ||
| Q3 24 | $99.8M | — | ||
| Q2 24 | $-100.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | — | ||
| Q3 25 | 32.0% | — | ||
| Q2 25 | 17.9% | — | ||
| Q1 25 | 39.9% | — | ||
| Q4 24 | 48.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | -33.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 2.5% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 4.6% | — | ||
| Q3 24 | 0.8% | — | ||
| Q2 24 | 1.1% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | — | ||
| Q3 25 | 0.99× | — | ||
| Q2 25 | 0.56× | — | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | 1.63× | — | ||
| Q3 24 | 1.03× | 49.55× | ||
| Q2 24 | -1.07× | 6.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ABCB
Segment breakdown not available.
BAND
| Messaging Surcharges | $192.4M | 93% |
| Other | $15.2M | 7% |
