TFS Financial (TFSL) Competitors

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

Which has more volatility and risk, ABCB or TFSL?

Ameris Bancorp has a beta of 0.97, indicating that its share price is 3% less volatile than the S&P 500. Comparatively, TFS Financial has a beta of 0.74, indicating that its share price is 26% less volatile than the S&P 500.

Is ABCB or TFSL more profitable?

Ameris Bancorp has a net margin of 21.46% compared to TFS Financial's net margin of 10.67%. Ameris Bancorp's return on equity of 9.57% beat TFS Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Ameris Bancorp	21.46%	9.57%	1.32%
TFS Financial	10.67%	4.40%	0.48%

Is ABCB or TFSL a better dividend stock?

Ameris Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 1.1%. TFS Financial pays an annual dividend of $1.13 per share and has a dividend yield of 8.6%. Ameris Bancorp pays out 14.1% of its earnings in the form of a dividend. TFS Financial pays out 389.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Do institutionals & insiders have more ownership in ABCB or TFSL?

91.6% of Ameris Bancorp shares are held by institutional investors. Comparatively, 9.8% of TFS Financial shares are held by institutional investors. 5.4% of Ameris Bancorp shares are held by company insiders. Comparatively, 1.0% of TFS Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Does the media prefer ABCB or TFSL?

In the previous week, Ameris Bancorp had 5 more articles in the media than TFS Financial. MarketBeat recorded 7 mentions for Ameris Bancorp and 2 mentions for TFS Financial. TFS Financial's average media sentiment score of 1.56 beat Ameris Bancorp's score of 1.15 indicating that TFS Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Ameris Bancorp	5 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
TFS Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Do analysts rate ABCB or TFSL?

Ameris Bancorp currently has a consensus target price of $72.14, indicating a potential downside of 2.43%. TFS Financial has a consensus target price of $15.00, indicating a potential upside of 14.56%. Given TFS Financial's higher probable upside, analysts plainly believe TFS Financial is more favorable than Ameris Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ameris Bancorp	0 Sell rating(s)	1 Hold rating(s)	6 Buy rating(s)	0 Strong Buy rating(s)	2.86
TFS Financial	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Which has higher valuation and earnings, ABCB or TFSL?

Ameris Bancorp has higher revenue and earnings than TFS Financial. Ameris Bancorp is trading at a lower price-to-earnings ratio than TFS Financial, 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
Ameris Bancorp	$1.13B	4.50	$358.68M	$5.68	13.02
TFS Financial	$758.78M	4.84	$79.59M	$0.29	45.15

Summary

Ameris Bancorp beats TFS Financial on 13 of the 18 factors compared between the two stocks.