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Side-by-side financial comparison of Ameris Bancorp (ABCB) and Wheels Up Experience Inc. (UP). Click either name above to swap in a different company.
Ameris Bancorp is the larger business by last-quarter revenue ($314.4M vs $183.8M, roughly 1.7× Wheels Up Experience Inc.). Ameris Bancorp runs the higher net margin — 35.1% vs -15.7%, a 50.9% gap on every dollar of revenue. On growth, Ameris Bancorp posted the faster year-over-year revenue change (10.0% vs -10.2%). Over the past eight quarters, Ameris Bancorp's revenue compounded faster (2.3% CAGR vs -3.4%).
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.
Wheels Up is a provider of "on demand" private aviation in the United States and one of the largest private aviation companies in the world. It was founded in 2013 by Kenny Dichter, using a membership/on-demand business model. Wheels Up members can book private aircraft from the company fleet and third-party operators using a mobile application.
ABCB vs UP — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $314.4M | $183.8M |
| Net Profit | $110.5M | $-28.9M |
| Gross Margin | — | 14.3% |
| Operating Margin | — | -0.9% |
| Net Margin | 35.1% | -15.7% |
| Revenue YoY | 10.0% | -10.2% |
| Net Profit YoY | — | 67.0% |
| EPS (diluted) | $1.63 | $-0.04 |
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 | $183.8M | ||
| Q3 25 | $314.2M | $185.5M | ||
| Q2 25 | $300.7M | $189.6M | ||
| Q1 25 | $285.9M | $177.5M | ||
| Q4 24 | $290.8M | $204.8M | ||
| Q3 24 | $283.8M | $193.9M | ||
| Q2 24 | $300.6M | $196.3M |
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $-28.9M | ||
| Q3 25 | $106.0M | $-83.7M | ||
| Q2 25 | $109.8M | $-82.3M | ||
| Q1 25 | $87.9M | $-99.3M | ||
| Q4 24 | $94.4M | $-87.5M | ||
| Q3 24 | $99.2M | $-57.7M | ||
| Q2 24 | $90.8M | $-97.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% |
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | -0.9% | ||
| Q3 25 | 43.6% | -33.1% | ||
| Q2 25 | 47.4% | -31.4% | ||
| Q1 25 | 39.5% | -45.5% | ||
| Q4 24 | 43.3% | -26.0% | ||
| Q3 24 | 44.4% | -21.6% | ||
| Q2 24 | 42.1% | -40.3% |
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | -15.7% | ||
| Q3 25 | 33.7% | -45.1% | ||
| Q2 25 | 36.5% | -43.4% | ||
| Q1 25 | 30.8% | -55.9% | ||
| Q4 24 | 42.5% | -42.7% | ||
| Q3 24 | 35.0% | -29.8% | ||
| Q2 24 | 30.2% | -49.4% |
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $-0.04 | ||
| Q3 25 | $1.54 | $-0.12 | ||
| Q2 25 | $1.60 | $-0.12 | ||
| Q1 25 | $1.27 | $-0.14 | ||
| Q4 24 | $1.35 | $-0.13 | ||
| Q3 24 | $1.44 | $-0.08 | ||
| Q2 24 | $1.32 | $-0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $133.9M |
| Total DebtLower is stronger | — | $671.3M |
| Stockholders' EquityBook value | $4.1B | $-392.1M |
| Total Assets | $28.1B | $968.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $133.9M | ||
| Q3 25 | — | $125.3M | ||
| Q2 25 | — | $107.0M | ||
| Q1 25 | — | $171.8M | ||
| Q4 24 | — | $216.4M | ||
| Q3 24 | — | $115.9M | ||
| Q2 24 | — | $141.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $671.3M | ||
| Q3 25 | — | $766.5M | ||
| Q2 25 | — | $770.5M | ||
| Q1 25 | — | $765.8M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | — | $596.9M | ||
| Q2 24 | — | $597.4M |
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $-392.1M | ||
| Q3 25 | $4.0B | $-374.5M | ||
| Q2 25 | $3.9B | $-347.8M | ||
| Q1 25 | $3.8B | $-288.1M | ||
| Q4 24 | $3.8B | $-202.1M | ||
| Q3 24 | $3.7B | $-117.7M | ||
| Q2 24 | $3.6B | $-72.2M |
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $968.8M | ||
| Q3 25 | $27.1B | $973.0M | ||
| Q2 25 | $26.7B | $1.0B | ||
| Q1 25 | $26.5B | $1.1B | ||
| Q4 24 | $26.3B | $1.2B | ||
| Q3 24 | $26.4B | $1.0B | ||
| 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 | — | $-18.4M |
| Free Cash FlowOCF − Capex | — | $-58.3M |
| FCF MarginFCF / Revenue | — | -31.7% |
| Capex IntensityCapex / Revenue | — | 21.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-259.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $-18.4M | ||
| Q3 25 | $104.9M | $-37.1M | ||
| Q2 25 | $61.4M | $-62.9M | ||
| Q1 25 | $116.9M | $-47.9M | ||
| Q4 24 | $154.2M | $37.9M | ||
| Q3 24 | $102.2M | $-16.9M | ||
| Q2 24 | $-97.1M | $-25.2M |
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $-58.3M | ||
| Q3 25 | $100.5M | $-60.4M | ||
| Q2 25 | $53.7M | $-78.6M | ||
| Q1 25 | $114.2M | $-62.6M | ||
| Q4 24 | $140.7M | $-70.2M | ||
| Q3 24 | $99.8M | $-21.9M | ||
| Q2 24 | $-100.3M | $-30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | -31.7% | ||
| Q3 25 | 32.0% | -32.6% | ||
| Q2 25 | 17.9% | -41.5% | ||
| Q1 25 | 39.9% | -35.3% | ||
| Q4 24 | 48.4% | -34.3% | ||
| Q3 24 | 35.2% | -11.3% | ||
| Q2 24 | -33.4% | -15.7% |
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 21.7% | ||
| Q3 25 | 1.4% | 12.5% | ||
| Q2 25 | 2.5% | 8.3% | ||
| Q1 25 | 0.9% | 8.3% | ||
| Q4 24 | 4.6% | 52.8% | ||
| Q3 24 | 0.8% | 2.6% | ||
| Q2 24 | 1.1% | 2.9% |
| 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× | — | ||
| Q2 24 | -1.07× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
