International Bancshares (IBOC) Competitors

International Bancshares (NASDAQ:IBOC) and Ameris Bancorp (NASDAQ:ABCB) are both mid-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their dividends, risk, earnings, analyst recommendations, valuation, media sentiment, institutional ownership and profitability.

Which has better earnings and valuation, IBOC or ABCB?

International Bancshares has higher earnings, but lower revenue than Ameris Bancorp. International Bancshares is trading at a lower price-to-earnings ratio than Ameris Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Bancshares	$1.04B	4.11	$409.17M	$6.62	10.42
Ameris Bancorp	$1.13B	4.33	$358.68M	$5.68	12.50

Does the media refer more to IBOC or ABCB?

In the previous week, International Bancshares and International Bancshares both had 7 articles in the media. International Bancshares' average media sentiment score of 1.22 beat Ameris Bancorp's score of 1.05 indicating that International Bancshares is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
International Bancshares	4 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Ameris Bancorp	4 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts rate IBOC or ABCB?

Ameris Bancorp has a consensus price target of $72.14, suggesting a potential upside of 1.58%. Given Ameris Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Ameris Bancorp is more favorable than International Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Bancshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Ameris Bancorp	0 Sell rating(s)	1 Hold rating(s)	6 Buy rating(s)	0 Strong Buy rating(s)	2.86

Is IBOC or ABCB more profitable?

International Bancshares has a net margin of 39.51% compared to Ameris Bancorp's net margin of 21.46%. International Bancshares' return on equity of 14.37% beat Ameris Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
International Bancshares	39.51%	14.37%	2.56%
Ameris Bancorp	21.46%	9.57%	1.32%

Is IBOC or ABCB a better dividend stock?

International Bancshares pays an annual dividend of $1.40 per share and has a dividend yield of 2.0%. Ameris Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 1.1%. International Bancshares pays out 21.1% of its earnings in the form of a dividend. Ameris Bancorp pays out 14.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. International Bancshares has raised its dividend for 16 consecutive years. International Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more volatility and risk, IBOC or ABCB?

International Bancshares has a beta of 0.85, indicating that its share price is 15% less volatile than the S&P 500. Comparatively, Ameris Bancorp has a beta of 0.96, indicating that its share price is 4% less volatile than the S&P 500.

Do institutionals and insiders hold more shares of IBOC or ABCB?

65.9% of International Bancshares shares are owned by institutional investors. Comparatively, 91.6% of Ameris Bancorp shares are owned by institutional investors. 13.4% of International Bancshares shares are owned by company insiders. Comparatively, 5.4% of Ameris Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Summary

International Bancshares and Ameris Bancorp tied by winning 9 of the 18 factors compared between the two stocks.