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Side-by-side financial comparison of Ameris Bancorp (ABCB) and Essent Group Ltd. (ESNT). Click either name above to swap in a different company.
Ameris Bancorp is the larger business by last-quarter revenue ($314.4M vs $312.4M, roughly 1.0× Essent Group Ltd.). Essent Group Ltd. runs the higher net margin — 49.6% vs 35.1%, a 14.5% gap on every dollar of revenue. On growth, Ameris Bancorp posted the faster year-over-year revenue change (10.0% vs -0.8%). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% 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.
Essentra PLC is a supplier of plastic and fibre products. The company operates internationally from headquarters in Kidlington, Oxfordshire. It is listed on the London Stock Exchange.
ABCB vs ESNT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $314.4M | $312.4M |
| Net Profit | $110.5M | $155.0M |
| Gross Margin | — | — |
| Operating Margin | — | 59.1% |
| Net Margin | 35.1% | 49.6% |
| Revenue YoY | 10.0% | -0.8% |
| Net Profit YoY | 2.0% | -7.7% |
| EPS (diluted) | $1.63 | $1.61 |
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 | $312.4M | ||
| Q3 25 | $314.2M | $311.8M | ||
| Q2 25 | $300.7M | $319.1M | ||
| Q1 25 | $285.9M | $317.6M | ||
| Q4 24 | $290.8M | $315.0M | ||
| Q3 24 | $283.8M | $316.6M | ||
| Q2 24 | $300.6M | $312.9M |
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $155.0M | ||
| Q3 25 | $106.0M | $164.2M | ||
| Q2 25 | $109.8M | $195.3M | ||
| Q1 25 | $87.9M | $175.4M | ||
| Q4 24 | $94.4M | $167.9M | ||
| Q3 24 | $99.2M | $176.2M | ||
| Q2 24 | $90.8M | $203.6M |
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 59.1% | ||
| Q3 25 | 43.6% | 63.9% | ||
| Q2 25 | 47.4% | 72.4% | ||
| Q1 25 | 39.5% | 65.2% | ||
| Q4 24 | 43.3% | 61.9% | ||
| Q3 24 | 44.4% | 65.6% | ||
| Q2 24 | 42.1% | 76.4% |
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 49.6% | ||
| Q3 25 | 33.7% | 52.7% | ||
| Q2 25 | 36.5% | 61.2% | ||
| Q1 25 | 30.8% | 55.2% | ||
| Q4 24 | 42.5% | 53.3% | ||
| Q3 24 | 35.0% | 55.6% | ||
| Q2 24 | 30.2% | 65.1% |
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $1.61 | ||
| Q3 25 | $1.54 | $1.67 | ||
| Q2 25 | $1.60 | $1.93 | ||
| Q1 25 | $1.27 | $1.69 | ||
| Q4 24 | $1.35 | $1.59 | ||
| Q3 24 | $1.44 | $1.65 | ||
| Q2 24 | $1.32 | $1.91 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $4.1B | $5.8B |
| Total Assets | $28.1B | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $5.8B | ||
| Q3 25 | $4.0B | $5.7B | ||
| Q2 25 | $3.9B | $5.7B | ||
| Q1 25 | $3.8B | $5.7B | ||
| Q4 24 | $3.8B | $5.6B | ||
| Q3 24 | $3.7B | $5.6B | ||
| Q2 24 | $3.6B | $5.4B |
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $7.4B | ||
| Q3 25 | $27.1B | $7.4B | ||
| Q2 25 | $26.7B | $7.2B | ||
| Q1 25 | $26.5B | $7.2B | ||
| Q4 24 | $26.3B | $7.1B | ||
| Q3 24 | $26.4B | $7.1B | ||
| Q2 24 | $26.5B | $6.7B |
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 | — | $856.1M |
| Free Cash FlowOCF − Capex | — | $848.7M |
| FCF MarginFCF / Revenue | — | 271.7% |
| Capex IntensityCapex / Revenue | — | 2.4% |
| Cash ConversionOCF / Net Profit | — | 5.52× |
| TTM Free Cash FlowTrailing 4 quarters | — | $1.5B |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $856.1M | ||
| Q3 25 | $104.9M | $215.9M | ||
| Q2 25 | $61.4M | $189.5M | ||
| Q1 25 | $116.9M | $221.6M | ||
| Q4 24 | $154.2M | $861.5M | ||
| Q3 24 | $102.2M | $229.2M | ||
| Q2 24 | $-97.1M | $188.7M |
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $848.7M | ||
| Q3 25 | $100.5M | $210.6M | ||
| Q2 25 | $53.7M | $188.8M | ||
| Q1 25 | $114.2M | $221.3M | ||
| Q4 24 | $140.7M | $854.8M | ||
| Q3 24 | $99.8M | $228.7M | ||
| Q2 24 | $-100.3M | $187.6M |
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | 271.7% | ||
| Q3 25 | 32.0% | 67.5% | ||
| Q2 25 | 17.9% | 59.2% | ||
| Q1 25 | 39.9% | 69.7% | ||
| Q4 24 | 48.4% | 271.3% | ||
| Q3 24 | 35.2% | 72.2% | ||
| Q2 24 | -33.4% | 60.0% |
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 2.4% | ||
| Q3 25 | 1.4% | 1.7% | ||
| Q2 25 | 2.5% | 0.2% | ||
| Q1 25 | 0.9% | 0.1% | ||
| Q4 24 | 4.6% | 2.1% | ||
| Q3 24 | 0.8% | 0.2% | ||
| Q2 24 | 1.1% | 0.3% |
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 5.52× | ||
| Q3 25 | 0.99× | 1.31× | ||
| Q2 25 | 0.56× | 0.97× | ||
| Q1 25 | 1.33× | 1.26× | ||
| Q4 24 | 1.63× | 5.13× | ||
| Q3 24 | 1.03× | 1.30× | ||
| Q2 24 | -1.07× | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ABCB
Segment breakdown not available.
ESNT
| Mortgage Insurance Segment | $192.4M | 62% |
| Other | $120.0M | 38% |
