Quick verdict: ABCB vs FNB in 2026

F.N.B. Corporation (FNB) appears to offer a more compelling value proposition and stronger growth trajectory, boasting a lower P/E and significant DCF upside. However, Ameris Bancorp (ABCB) demonstrates superior profitability with higher net and EBITDA margins, along with stronger analyst conviction. Investors must weigh FNB’s growth and value appeal against ABCB’s operational efficiency and analyst favor when considering this abcb vs fnb stock comparison 2026. Not investment advice.

ABCB vs FNB: key metrics side by side

Full side-by-side comparison of ABCB and FNB across valuation, profitability, growth and analyst sentiment. Data updated 2026-05-03.

ABCB vs FNB valuation comparison

When assessing the ABCB vs FNB valuation, investors will find distinct differences in how the market prices these two financial institutions. F.N.B. Corporation (FNB) presents itself as a more attractively valued stock based on traditional metrics. Its Price-to-Earnings (P/E) ratio stands at 10.87x, notably lower than Ameris Bancorp’s (ABCB) P/E of 13.34x. A lower P/E often suggests that investors are paying less for each dollar of earnings, potentially indicating a better value for this aspect of their abcb vs fnb fundamentals and valuation. Similarly, FNB’s Price-to-Book (P/B) ratio of 0.94x is below 1, suggesting it trades below its reported book value, which is often considered a sign of undervaluation, especially when compared to ABCB’s P/B of 1.42x. This indicates that FNB currently trades at a significant discount to its book value, while ABCB trades at a premium.

Furthermore, the Discounted Cash Flow (DCF) analysis reveals a substantial theoretical upside for FNB, estimated at an impressive +422.5%. This starkly contrasts with ABCB’s DCF valuation, which suggests a -39.9% downside from its current price. While DCF models are sensitive to assumptions and projections, FNB’s significantly positive DCF upside compared to ABCB’s negative outlook certainly positions FNB as the cheaper option with greater potential for appreciation based on this intrinsic valuation method. Investors focused on finding undervalued opportunities in the financial sector would likely lean towards FNB for its more compelling valuation metrics in 2026.

ABCB vs FNB growth comparison

Examining the ABCB vs FNB growth trajectories reveals that F.N.B. Corporation (FNB) currently exhibits stronger top-line momentum. FNB reported a year-over-year revenue growth of +4.9%, outpacing Ameris Bancorp’s (ABCB) +2.0% revenue growth. This indicates that FNB is expanding its revenue base at a faster rate, which can be a key indicator of market share gains or successful business expansion initiatives within the competitive financial services sector. Stronger revenue growth typically suggests a company with greater potential for future earnings increases and overall business scale.

While specific forward estimates are not provided in the supplied data, FNB’s current revenue growth rate of +4.9% demonstrates a more robust expansion compared to ABCB. This faster growth could translate into more significant opportunities for reinvestment and ultimately lead to a larger market presence over time. For investors prioritizing companies with dynamic expansion and stronger financial momentum, FNB’s superior revenue growth rate suggests it has the stronger momentum going into 2026 within this comparison.

ABCB vs FNB profitability

In terms of profitability, Ameris Bancorp (ABCB) stands out with more attractive margins when comparing ABCB vs FNB fundamentals. ABCB boasts a net margin of 26.0%, which is considerably higher than F.N.B. Corporation’s (FNB) net margin of 21.63%. A higher net margin indicates that ABCB is more efficient at converting its revenue into actual profit, suggesting better cost management or stronger pricing power within its operations. This efficiency extends to its EBITDA margin, where ABCB registers an impressive 36.85% compared to FNB’s 27.06%. The EBITDA margin highlights ABCB’s operational profitability before the impact of depreciation, amortization, interest, and taxes, further solidifying its advantage in operational efficiency.

When considering which company generates more cash from its operations, ABCB also holds a slight edge with a Free Cash Flow (FCF) yield of 6.33% against FNB’s 5.99%. While the difference is not substantial, it indicates that ABCB converts a slightly larger portion of its operations into free cash that can be used for dividends, debt reduction, or reinvestment. Both companies have an N/A% for Return on Equity (ROE), meaning this specific metric cannot be used for direct comparison. Overall, ABCB demonstrates superior profitability, showcasing a more efficient business model in translating revenue into earnings and free cash flow.

Analyst ratings: ABCB vs FNB

Diving into the analyst ratings for ABCB vs FNB, we observe a generally positive sentiment for both financial stocks, albeit with nuances. Ameris Bancorp (ABCB) currently enjoys a stronger consensus among analysts, with 12 analysts covering the stock and a notable 83.3% issuing a ‘Buy’ recommendation. Their consensus price target for ABCB is $91.25, suggesting an upside potential of +6.7% from its current price of $85.56. This high percentage of buy ratings indicates significant confidence in ABCB’s future performance from the analyst community, marking it as an analyst favourite.

F.N.B. Corporation (FNB) also garners a ‘Buy’ consensus, backed by a larger pool of 19 analysts. However, its ‘Buy’ rating percentage is slightly lower at 68.4%. Despite this, FNB’s consensus price target of $20.5 indicates a more substantial upside potential of +16.1% from its current price of $17.66. This means that while ABCB is favored by a higher proportion of analysts, FNB is projected to have a greater percentage increase to reach its average target price. Therefore, while analysts generally show stronger conviction for ABCB, FNB offers a more attractive potential return based on current price targets, making it the stock with the most analyst-projected upside.

Should I buy ABCB or FNB stock in 2026?

When considering should I buy ABCB or FNB stock in 2026, the decision largely depends on an investor’s specific objectives and risk tolerance. For growth-oriented investors, F.N.B. Corporation (FNB) appears to be the stronger contender. Its revenue growth rate of +4.9% significantly outpaces Ameris Bancorp’s (ABCB) +2.0%. This indicates that FNB is expanding its business at a faster clip, which could lead to greater capital appreciation over the long term, assuming this growth momentum continues in the financial services sector.

For value investors, FNB also presents a more compelling case based on abcb vs fnb fundamentals and valuation. With a lower P/E ratio of 10.87x compared to ABCB’s 13.34x, and a P/B ratio of 0.94x against ABCB’s 1.42x, FNB trades at a more attractive valuation. The substantial +422.5% DCF upside for FNB, in contrast to ABCB’s -39.9% downside, further underscores FNB’s potential as an undervalued asset. These metrics suggest that FNB offers a greater margin of safety and a higher potential for intrinsic value realization.

For income-focused investors, neither ABCB nor FNB offers a substantial dividend yield. FNB has a slightly higher dividend yield of 0.03% compared to ABCB’s 0.01%. While FNB technically offers a better dividend, both yields are quite modest and unlikely to be the primary driver for an investment decision for those solely focused on passive income. Therefore, for investors seeking meaningful income, these stocks might not be the ideal choice. Ultimately, FNB seems to hold an edge for growth and value, while ABCB leads in terms of current profitability and a higher percentage of analyst ‘Buy’ ratings. This is not investment advice, and investors should conduct their own thorough research.

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FAQ: ABCB vs FNB