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 Ameris Bancorp, Stellar Bancorp or Inc. 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 Ameris Bancorp, Stellar Bancorp and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Ameris Bancorp, Stellar Bancorp and Inc.

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 four segments: Banking Division, Retail Mortgage Division, Warehouse Lending 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. Further, 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.

Stellar Bancorp, Inc. operates as the bank holding company that provides a range of commercial banking products and services primarily to small and medium-sized businesses, professionals, and individual customers. It offers deposit products that include checking accounts, commercial accounts, money market accounts, savings accounts, and other time deposits, as well as convenient services, such as telephone, mobile, and online banking. The company also provides commercial and industrial loans; commercial real estate loans comprising multi-family residential loans; commercial real estate construction and land development loans; residential real estate loans comprising 1-4 family residential mortgage loans, including home equity and home improvement loans, and home equity lines of credit; commercial and retail lending services, such as loans to small businesses, mortgage loans, personal loans, and automobile loans; and factoring services. In addition, it offers safe deposit boxes, debit cards, cash management and wire transfer services, night depository services, direct deposits, cashier’s checks, and letters of credit. Stellar Bancorp, Inc. was founded in 2007 and is headquartered in Houston, Texas.

Latest Banks and Ameris Bancorp, Stellar Bancorp, Inc. Stock News

As of February 11, 2026, Ameris Bancorp had a $5.7 billion market capitalization, compared to the Banks median of $562.5 million. Ameris Bancorp’s stock is NA in 2026, NA in the previous five trading days and up 24.07% in the past year.

Currently, Ameris Bancorp’s price-earnings ratio is 14.5. Ameris Bancorp’s trailing 12-month revenue is $1.1 billion with a 36.2% net profit margin. Year-over-year quarterly sales growth most recently was 5.0%. Analysts expect adjusted earnings to reach $6.497 per share for the current fiscal year. Ameris Bancorp currently has a 1.0% dividend yield.

Currently, Stellar Bancorp, Inc.’s price-earnings ratio is 20.5. Stellar Bancorp, Inc.’s trailing 12-month revenue is $416.5 million with a 24.9% net profit margin. Year-over-year quarterly sales growth most recently was -7.5%. Analysts expect adjusted earnings to reach $2.177 per share for the current fiscal year. Stellar Bancorp, Inc. currently has a 1.5% dividend yield.

How We Compare Ameris Bancorp, Stellar Bancorp and Inc. 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 Ameris Bancorp, Stellar Bancorp and Inc.’s stock grades to see how they measure up against one another.

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Ameris Bancorp, Stellar Bancorp and Inc. Growth Grades

Company	Ticker	Growth
Ameris Bancorp	ABCB	B
Stellar Bancorp, Inc.	STEL	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.

Ameris Bancorp has a Growth Score of 72, which is Strong. Stellar Bancorp, Inc. has a Growth Score of 49, which is Average.

The Growth Grade Winner: Ameris Bancorp

As you can clearly see from the Growth Grade breakdown above, Ameris Bancorp has a more attractive growth grade than Stellar Bancorp, Inc.. For investors who focus solely on how a company is growing relative to other companies in the same industry, 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.

Ameris Bancorp, Stellar Bancorp and Inc.’s Momentum Grades

Company	Ticker	Momentum
Ameris Bancorp	ABCB	C
Stellar Bancorp, Inc.	STEL	B

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%.

Ameris Bancorp has a Momentum Score of 60, which is Average. Stellar Bancorp, Inc. has a Momentum Score of 75, which is Strong.

The Momentum Grade Winner: Stellar Bancorp, Inc.

As you can clearly see from the Momentum Grade breakdown above, Stellar Bancorp, 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, Stellar Bancorp, 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.

Ameris Bancorp, Stellar Bancorp and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Ameris Bancorp	ABCB	B
Stellar Bancorp, Inc.	STEL	B

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

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Ameris Bancorp has a Earnings Estimate Score of 66, which is Positive. Stellar Bancorp, Inc. has a Earnings Estimate Score of 62, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both Ameris Bancorp, Stellar Bancorp and Inc. have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether Ameris Bancorp, Stellar Bancorp or Inc. is a better fit.

Other Ameris Bancorp, Stellar Bancorp and Inc. Grades

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

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 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 Ameris Bancorp, Stellar Bancorp and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

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

Overall, Ameris Bancorp stock has a Growth Score of 72, Momentum Score of 60 and Estimate Revisions Score of 66.

Stellar Bancorp, Inc. stock has a Growth Score of 49, Momentum Score of 75 and Estimate Revisions Score of 62.

Comparing Ameris Bancorp, Stellar Bancorp and Inc.’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.