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Side-by-side financial comparison of Ameris Bancorp (ABCB) and H2O AMERICA (HTO). Click either name above to swap in a different company.
Ameris Bancorp is the larger business by last-quarter revenue ($314.4M vs $199.4M, roughly 1.6× H2O AMERICA). Ameris Bancorp runs the higher net margin — 35.1% vs 8.1%, a 27.0% gap on every dollar of revenue. On growth, Ameris Bancorp posted the faster year-over-year revenue change (10.0% vs 1.5%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% 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.
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
ABCB vs HTO — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $314.4M | $199.4M |
| Net Profit | $110.5M | $16.2M |
| Gross Margin | — | — |
| Operating Margin | — | 16.6% |
| Net Margin | 35.1% | 8.1% |
| Revenue YoY | 10.0% | 1.5% |
| Net Profit YoY | — | -29.2% |
| EPS (diluted) | $1.63 | $0.45 |
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 | $199.4M | ||
| Q3 25 | $314.2M | $243.5M | ||
| Q2 25 | $300.7M | $197.8M | ||
| Q1 25 | $285.9M | $164.9M | ||
| Q4 24 | $290.8M | $196.5M | ||
| Q3 24 | $283.8M | $216.7M | ||
| Q2 24 | $300.6M | $173.1M |
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $16.2M | ||
| Q3 25 | $106.0M | $45.1M | ||
| Q2 25 | $109.8M | $24.7M | ||
| Q1 25 | $87.9M | $16.6M | ||
| Q4 24 | $94.4M | $22.9M | ||
| Q3 24 | $99.2M | $38.7M | ||
| Q2 24 | $90.8M | $20.7M |
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 16.6% | ||
| Q3 25 | 43.6% | 26.5% | ||
| Q2 25 | 47.4% | 22.2% | ||
| Q1 25 | 39.5% | 21.8% | ||
| Q4 24 | 43.3% | 22.2% | ||
| Q3 24 | 44.4% | 26.9% | ||
| Q2 24 | 42.1% | 23.4% |
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 8.1% | ||
| Q3 25 | 33.7% | 18.5% | ||
| Q2 25 | 36.5% | 12.5% | ||
| Q1 25 | 30.8% | 10.0% | ||
| Q4 24 | 42.5% | 11.7% | ||
| Q3 24 | 35.0% | 17.8% | ||
| Q2 24 | 30.2% | 12.0% |
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $0.45 | ||
| Q3 25 | $1.54 | $1.27 | ||
| Q2 25 | $1.60 | $0.71 | ||
| Q1 25 | $1.27 | $0.49 | ||
| Q4 24 | $1.35 | $0.70 | ||
| Q3 24 | $1.44 | $1.17 | ||
| Q2 24 | $1.32 | $0.64 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $20.7M |
| Total DebtLower is stronger | — | $1.9B |
| Stockholders' EquityBook value | $4.1B | $1.5B |
| Total Assets | $28.1B | $5.1B |
| Debt / EquityLower = less leverage | — | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $20.7M | ||
| Q3 25 | — | $11.3M | ||
| Q2 25 | — | $19.8M | ||
| Q1 25 | — | $23.7M | ||
| Q4 24 | — | $11.1M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | — | $22.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $1.5B | ||
| Q3 25 | $4.0B | $1.5B | ||
| Q2 25 | $3.9B | $1.5B | ||
| Q1 25 | $3.8B | $1.4B | ||
| Q4 24 | $3.8B | $1.4B | ||
| Q3 24 | $3.7B | $1.3B | ||
| Q2 24 | $3.6B | $1.3B |
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $5.1B | ||
| Q3 25 | $27.1B | $5.0B | ||
| Q2 25 | $26.7B | $4.8B | ||
| Q1 25 | $26.5B | $4.7B | ||
| Q4 24 | $26.3B | $4.7B | ||
| Q3 24 | $26.4B | $4.6B | ||
| Q2 24 | $26.5B | $4.4B |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $63.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $63.5M | ||
| Q3 25 | $104.9M | $77.3M | ||
| Q2 25 | $61.4M | $60.8M | ||
| Q1 25 | $116.9M | $43.2M | ||
| Q4 24 | $154.2M | $41.5M | ||
| Q3 24 | $102.2M | $53.5M | ||
| Q2 24 | $-97.1M | $49.3M |
| 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× | 3.92× | ||
| Q3 25 | 0.99× | 1.71× | ||
| Q2 25 | 0.56× | 2.47× | ||
| Q1 25 | 1.33× | 2.61× | ||
| Q4 24 | 1.63× | 1.81× | ||
| Q3 24 | 1.03× | 1.39× | ||
| Q2 24 | -1.07× | 2.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ABCB
Segment breakdown not available.
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
