Financial Analysis: Ameris Bancorp (NASDAQ:ABCB) versus Albina Community Bancorp (OTCMKTS:ACBCQ)

Ameris Bancorp (NASDAQ:ABCB) and Albina Community Bancorp (OTCMKTS:ACBCQ) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, risk, profitability, dividends, valuation and earnings.

Earnings and Valuation

This table compares Ameris Bancorp and Albina Community Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ameris Bancorp	$1.16 billion	4.61	$358.68 million	$5.78	13.49
Albina Community Bancorp	N/A	N/A	N/A	N/A	N/A

Ameris Bancorp has higher revenue and earnings than Albina Community Bancorp.

Analyst Recommendations

This is a summary of recent ratings for Ameris Bancorp and Albina Community Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ameris Bancorp	0	2	5	0	2.71
Albina Community Bancorp	0	0	0	0	0.00

Ameris Bancorp presently has a consensus target price of $78.57, suggesting a potential upside of 0.77%. Given Ameris Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Ameris Bancorp is more favorable than Albina Community Bancorp.

Profitability

This table compares Ameris Bancorp and Albina Community Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ameris Bancorp	21.46%	9.57%	1.32%
Albina Community Bancorp	N/A	N/A	N/A

Insider & Institutional Ownership

91.6% of Ameris Bancorp shares are held by institutional investors. 5.4% of Ameris Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

Ameris Bancorp beats Albina Community Bancorp on 9 of the 9 factors compared between the two stocks.

About Ameris Bancorp

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers. It operates through five segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, SBA Division, and Premium Finance Division. The company offers commercial and retail checking, regular interest-bearing savings, money market, individual retirement, and certificates of deposit accounts. It also provides commercial real estate, residential real estate mortgage, agricultural, and commercial and industrial loans; consumer loans, including motor vehicle, home improvement, and home equity loans, as well as loans secured by savings accounts and personal credit lines. In addition, the company originates, administers, and services commercial insurance premium loans, equipment finance loans, and small business administration loans. It operates full service domestic banking offices, and mortgage and loan production offices. The company was founded in 1971 and is headquartered in Atlanta, Georgia.

About Albina Community Bancorp

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.