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Side-by-side financial comparison of Ameris Bancorp (ABCB) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
Ameris Bancorp is the larger business by last-quarter revenue ($314.4M vs $242.1M, roughly 1.3× ONESPAWORLD HOLDINGS Ltd). Ameris Bancorp runs the higher net margin — 35.1% vs 5.0%, a 30.2% gap on every dollar of revenue. On growth, ONESPAWORLD HOLDINGS Ltd posted the faster year-over-year revenue change (11.5% vs 10.0%). Over the past eight quarters, ONESPAWORLD HOLDINGS Ltd's revenue compounded faster (7.1% 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.
ABCB vs OSW — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $314.4M | $242.1M |
| Net Profit | $110.5M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | — | 6.8% |
| Net Margin | 35.1% | 5.0% |
| Revenue YoY | 10.0% | 11.5% |
| Net Profit YoY | — | -16.2% |
| EPS (diluted) | $1.63 | $0.12 |
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 | $242.1M | ||
| Q3 25 | $314.2M | $258.5M | ||
| Q2 25 | $300.7M | $240.7M | ||
| Q1 25 | $285.9M | $219.6M | ||
| Q4 24 | $290.8M | $217.2M | ||
| Q3 24 | $283.8M | $241.7M | ||
| Q2 24 | $300.6M | $224.9M |
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $12.1M | ||
| Q3 25 | $106.0M | $24.3M | ||
| Q2 25 | $109.8M | $19.9M | ||
| Q1 25 | $87.9M | $15.3M | ||
| Q4 24 | $94.4M | $14.4M | ||
| Q3 24 | $99.2M | $21.6M | ||
| Q2 24 | $90.8M | $15.8M |
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 6.8% | ||
| Q3 25 | 43.6% | 10.2% | ||
| Q2 25 | 47.4% | 9.2% | ||
| Q1 25 | 39.5% | 7.7% | ||
| Q4 24 | 43.3% | 7.9% | ||
| Q3 24 | 44.4% | 10.3% | ||
| Q2 24 | 42.1% | 8.4% |
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 5.0% | ||
| Q3 25 | 33.7% | 9.4% | ||
| Q2 25 | 36.5% | 8.3% | ||
| Q1 25 | 30.8% | 7.0% | ||
| Q4 24 | 42.5% | 6.6% | ||
| Q3 24 | 35.0% | 8.9% | ||
| Q2 24 | 30.2% | 7.0% |
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $0.12 | ||
| Q3 25 | $1.54 | $0.23 | ||
| Q2 25 | $1.60 | $0.19 | ||
| Q1 25 | $1.27 | $0.15 | ||
| Q4 24 | $1.35 | $0.13 | ||
| Q3 24 | $1.44 | $0.20 | ||
| Q2 24 | $1.32 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $16.3M |
| Total DebtLower is stronger | — | $84.0M |
| Stockholders' EquityBook value | $4.1B | $542.6M |
| Total Assets | $28.1B | $707.1M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $16.3M | ||
| Q3 25 | — | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M |
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $542.6M | ||
| Q3 25 | $4.0B | $552.8M | ||
| Q2 25 | $3.9B | $548.3M | ||
| Q1 25 | $3.8B | $530.6M | ||
| Q4 24 | $3.8B | $554.5M | ||
| Q3 24 | $3.7B | $540.1M | ||
| Q2 24 | $3.6B | $532.7M |
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $707.1M | ||
| Q3 25 | $27.1B | $732.6M | ||
| Q2 25 | $26.7B | $731.8M | ||
| Q1 25 | $26.5B | $708.7M | ||
| Q4 24 | $26.3B | $746.4M | ||
| Q3 24 | $26.4B | $734.0M | ||
| Q2 24 | $26.5B | $756.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× |
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 | — | $20.0M |
| Free Cash FlowOCF − Capex | — | $14.9M |
| FCF MarginFCF / Revenue | — | 6.2% |
| Capex IntensityCapex / Revenue | — | 2.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $20.0M | ||
| Q3 25 | $104.9M | $33.2M | ||
| Q2 25 | $61.4M | $20.3M | ||
| Q1 25 | $116.9M | $10.1M | ||
| Q4 24 | $154.2M | $16.6M | ||
| Q3 24 | $102.2M | $28.6M | ||
| Q2 24 | $-97.1M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $14.9M | ||
| Q3 25 | $100.5M | $27.6M | ||
| Q2 25 | $53.7M | $17.6M | ||
| Q1 25 | $114.2M | $8.4M | ||
| Q4 24 | $140.7M | $13.2M | ||
| Q3 24 | $99.8M | $27.5M | ||
| Q2 24 | $-100.3M | $17.6M |
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | 6.2% | ||
| Q3 25 | 32.0% | 10.7% | ||
| Q2 25 | 17.9% | 7.3% | ||
| Q1 25 | 39.9% | 3.8% | ||
| Q4 24 | 48.4% | 6.1% | ||
| Q3 24 | 35.2% | 11.4% | ||
| Q2 24 | -33.4% | 7.8% |
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 2.1% | ||
| Q3 25 | 1.4% | 2.2% | ||
| Q2 25 | 2.5% | 1.1% | ||
| Q1 25 | 0.9% | 0.8% | ||
| Q4 24 | 4.6% | 1.5% | ||
| Q3 24 | 0.8% | 0.5% | ||
| Q2 24 | 1.1% | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 1.65× | ||
| Q3 25 | 0.99× | 1.36× | ||
| Q2 25 | 0.56× | 1.02× | ||
| Q1 25 | 1.33× | 0.66× | ||
| Q4 24 | 1.63× | 1.15× | ||
| Q3 24 | 1.03× | 1.33× | ||
| Q2 24 | -1.07× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ABCB
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
