Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Axos Financial, Inc. or Ameris Bancorp because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Axos Financial, Inc. and Ameris Bancorp compare based on key financial metrics to determine which better meets your investment needs.

About Axos Financial, Inc. and Ameris Bancorp

Axos Financial, Inc., together with its subsidiaries, operates as a consumer and business banking provider in the United States. The company operates through two segments, Banking Business and Securities Business. It offers deposits products, including consumer and business checking, savings, time deposit, and commercial and deposits. The company also provides residential single family, multifamily, and commercial mortgage loans; commercial real estate secured, commercial and industrial non-real estate, and auto and consumer loans. In addition, it offers a range of investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, as well as margin loans and securities lending services. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, 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 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. Further, it operates full-service domestic banking offices, and mortgage and loan production offices. Ameris Bancorp was founded in 1971 and is headquartered in Atlanta, Georgia.

Latest Banks and Axos Financial, Inc., Ameris Bancorp Stock News

As of July 31, 2026, Axos Financial, Inc. had a $5.8 billion market capitalization, compared to the Banks median of $716.9 million. Axos Financial, Inc.’s stock is up 17.7% in 2026, up 5.8% in the previous five trading days and up 18.9% in the past year.

Currently, Axos Financial, Inc.’s price-earnings ratio is 12.4. Axos Financial, Inc.’s trailing 12-month revenue is $1.3 billion with a 36.0% net profit margin. Year-over-year quarterly sales growth most recently was 19.3%. Analysts expect adjusted earnings to reach $9.770 per share for the current fiscal year. Axos Financial, Inc. does not currently pay a dividend.

As of July 31, 2026, Ameris Bancorp had a $5.8 billion market cap, putting it in the 69th percentile of all stocks. Ameris Bancorp’s stock is up 17.4% in 2026, down 0.6% in the previous five trading days and up 27.07% in the past year.

Currently, Ameris Bancorp’s price-earnings ratio is 13.7. Ameris Bancorp’s trailing 12-month revenue is $1.2 billion with a 31.8% net profit margin. Year-over-year quarterly sales growth most recently was 12.8%. Analysts expect adjusted earnings to reach $6.636 per share for the current fiscal year. Ameris Bancorp currently has a 0.9% dividend yield.

How We Compare Axos Financial, Inc. and Ameris Bancorp Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Axos Financial, Inc. and Ameris Bancorp’s stock grades to see how they measure up against one another.

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Axos Financial, Inc. and Ameris Bancorp Stock Value Grades

Company	Ticker	Value
Axos Financial, Inc.	AX	C
Ameris Bancorp	ABCB	B

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Axos Financial, Inc. has a Value Score of 48, which is Average. Ameris Bancorp has a Value Score of 63, which is Value.

The Value Stock Winner: Ameris Bancorp

As you can clearly see from the Value Grade breakdown above, Ameris Bancorp is considered to have better value than Axos Financial, Inc.. For investors who focus solely on a company’s valuation, Ameris Bancorp could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Axos Financial, Inc. and Ameris Bancorp Growth Grades

Company	Ticker	Growth
Axos Financial, Inc.	AX	A
Ameris Bancorp	ABCB	C

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Axos Financial, Inc. has a Growth Score of 89, which is Very Strong. Ameris Bancorp has a Growth Score of 56, which is Average.

The Growth Grade Winner: Axos Financial, Inc.

As you can clearly see from the Growth Grade breakdown above, Axos Financial, Inc. has a more attractive growth grade than Ameris Bancorp. For investors who focus solely on how a company is growing relative to other companies in the same industry, Axos Financial, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Axos Financial, Inc. and Ameris Bancorp’s Momentum Grades

Company	Ticker	Momentum
Axos Financial, Inc.	AX	B
Ameris Bancorp	ABCB	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Axos Financial, Inc. has a Momentum Score of 65, which is Strong. Ameris Bancorp has a Momentum Score of 58, which is Average.

The Momentum Grade Winner: Axos Financial, Inc.

As you can clearly see from the Momentum Grade breakdown above, Axos Financial, Inc. is considered to have stronger momentum compared to Ameris Bancorp. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Axos Financial, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Axos Financial, Inc. and Ameris Bancorp Grades

In addition to Growth, Momentum and Value, A+ Investor also provides grades for Estimate Revisions and Quality.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Axos Financial, Inc. and Ameris Bancorp pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Axos Financial, Inc. or Ameris Bancorp Stock?

Overall, Axos Financial, Inc. stock has a Value Score of 48, Growth Score of 89 and Momentum Score of 65.

Ameris Bancorp stock has a Value Score of 63, Growth Score of 56 and Momentum Score of 58.

Comparing Axos Financial, Inc. and Ameris Bancorp’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.