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Side-by-side financial comparison of Ameris Bancorp (ABCB) and Duolingo, Inc. (DUOL). Click either name above to swap in a different company.
Ameris Bancorp is the larger business by last-quarter revenue ($314.4M vs $282.9M, roughly 1.1× Duolingo, Inc.). Ameris Bancorp runs the higher net margin — 35.1% vs 14.8%, a 20.3% gap on every dollar of revenue. On growth, Duolingo, Inc. posted the faster year-over-year revenue change (35.0% vs 10.0%). Over the past eight quarters, Duolingo, Inc.'s revenue compounded faster (29.9% 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.
Duolingo, Inc. is a leading global edtech firm operating a gamified language learning platform. It offers free and premium self-paced courses for over 40 languages, plus language certification, math learning tools, and literacy programs, serving individual learners, schools and corporate clients worldwide.
ABCB vs DUOL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $314.4M | $282.9M |
| Net Profit | $110.5M | $42.0M |
| Gross Margin | — | 72.8% |
| Operating Margin | — | 15.4% |
| Net Margin | 35.1% | 14.8% |
| Revenue YoY | 10.0% | 35.0% |
| Net Profit YoY | — | 201.7% |
| EPS (diluted) | $1.63 | $0.99 |
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 | $282.9M | ||
| Q3 25 | $314.2M | $271.7M | ||
| Q2 25 | $300.7M | $252.3M | ||
| Q1 25 | $285.9M | $230.7M | ||
| Q4 24 | $290.8M | $209.6M | ||
| Q3 24 | $283.8M | $192.6M | ||
| Q2 24 | $300.6M | $178.3M |
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $42.0M | ||
| Q3 25 | $106.0M | $292.2M | ||
| Q2 25 | $109.8M | $44.8M | ||
| Q1 25 | $87.9M | $35.1M | ||
| Q4 24 | $94.4M | $13.9M | ||
| Q3 24 | $99.2M | $23.4M | ||
| Q2 24 | $90.8M | $24.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 72.8% | ||
| Q3 25 | — | 72.5% | ||
| Q2 25 | — | 72.4% | ||
| Q1 25 | — | 71.1% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.9% | ||
| Q2 24 | — | 73.4% |
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 15.4% | ||
| Q3 25 | 43.6% | 12.9% | ||
| Q2 25 | 47.4% | 13.2% | ||
| Q1 25 | 39.5% | 10.2% | ||
| Q4 24 | 43.3% | 6.6% | ||
| Q3 24 | 44.4% | 7.0% | ||
| Q2 24 | 42.1% | 10.5% |
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 14.8% | ||
| Q3 25 | 33.7% | 107.5% | ||
| Q2 25 | 36.5% | 17.8% | ||
| Q1 25 | 30.8% | 15.2% | ||
| Q4 24 | 42.5% | 6.6% | ||
| Q3 24 | 35.0% | 12.1% | ||
| Q2 24 | 30.2% | 13.7% |
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $0.99 | ||
| Q3 25 | $1.54 | $5.95 | ||
| Q2 25 | $1.60 | $0.91 | ||
| Q1 25 | $1.27 | $0.72 | ||
| Q4 24 | $1.35 | $0.31 | ||
| Q3 24 | $1.44 | $0.49 | ||
| Q2 24 | $1.32 | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.0B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $4.1B | $1.3B |
| Total Assets | $28.1B | $2.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $1.0B | ||
| Q3 25 | — | $1.0B | ||
| Q2 25 | — | $976.2M | ||
| Q1 25 | — | $884.0M | ||
| Q4 24 | — | $785.8M | ||
| Q3 24 | — | $854.4M | ||
| Q2 24 | — | $888.2M |
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $1.3B | ||
| Q3 25 | $4.0B | $1.3B | ||
| Q2 25 | $3.9B | $977.0M | ||
| Q1 25 | $3.8B | $893.8M | ||
| Q4 24 | $3.8B | $824.5M | ||
| Q3 24 | $3.7B | $822.5M | ||
| Q2 24 | $3.6B | $766.9M |
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $2.0B | ||
| Q3 25 | $27.1B | $1.9B | ||
| Q2 25 | $26.7B | $1.5B | ||
| Q1 25 | $26.5B | $1.4B | ||
| Q4 24 | $26.3B | $1.3B | ||
| Q3 24 | $26.4B | $1.2B | ||
| Q2 24 | $26.5B | $1.1B |
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 | — | $107.3M |
| Free Cash FlowOCF − Capex | — | $96.6M |
| FCF MarginFCF / Revenue | — | 34.1% |
| Capex IntensityCapex / Revenue | — | 3.8% |
| Cash ConversionOCF / Net Profit | — | 2.56× |
| TTM Free Cash FlowTrailing 4 quarters | — | $369.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $107.3M | ||
| Q3 25 | $104.9M | $84.2M | ||
| Q2 25 | $61.4M | $90.7M | ||
| Q1 25 | $116.9M | $105.6M | ||
| Q4 24 | $154.2M | $83.3M | ||
| Q3 24 | $102.2M | $56.3M | ||
| Q2 24 | $-97.1M | $62.4M |
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $96.6M | ||
| Q3 25 | $100.5M | $79.4M | ||
| Q2 25 | $53.7M | $89.5M | ||
| Q1 25 | $114.2M | $104.3M | ||
| Q4 24 | $140.7M | $81.4M | ||
| Q3 24 | $99.8M | $53.1M | ||
| Q2 24 | $-100.3M | $56.8M |
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | 34.1% | ||
| Q3 25 | 32.0% | 29.2% | ||
| Q2 25 | 17.9% | 35.5% | ||
| Q1 25 | 39.9% | 45.2% | ||
| Q4 24 | 48.4% | 38.8% | ||
| Q3 24 | 35.2% | 27.6% | ||
| Q2 24 | -33.4% | 31.9% |
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 3.8% | ||
| Q3 25 | 1.4% | 1.8% | ||
| Q2 25 | 2.5% | 0.5% | ||
| Q1 25 | 0.9% | 0.6% | ||
| Q4 24 | 4.6% | 0.9% | ||
| Q3 24 | 0.8% | 1.7% | ||
| Q2 24 | 1.1% | 3.1% |
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 2.56× | ||
| Q3 25 | 0.99× | 0.29× | ||
| Q2 25 | 0.56× | 2.02× | ||
| Q1 25 | 1.33× | 3.01× | ||
| Q4 24 | 1.63× | 5.99× | ||
| Q3 24 | 1.03× | 2.41× | ||
| Q2 24 | -1.07× | 2.56× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ABCB
Segment breakdown not available.
DUOL
| License And Service | $242.3M | 86% |
| Advertising | $20.2M | 7% |
| English Test | $10.3M | 4% |
| Other | $10.1M | 4% |
