ABCB vs. HBCP
ABCB (Ameris Bancorp) and HBCP (Home Bancorp, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 10 years, ABCB returned 13.11%/yr vs 11.98%/yr for HBCP. At a 0.46 correlation, their price movements are largely independent.
Performance
ABCB vs. HBCP - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, ABCB achieves a 17.93% return, which is significantly higher than HBCP's 15.86% return. Over the past 10 years, ABCB has outperformed HBCP with an annualized return of 13.11%, while HBCP has yielded a comparatively lower 11.98% annualized return.
ABCB
- 1D
- -0.26%
- 1M
- 3.15%
- YTD
- 17.93%
- 6M
- 13.13%
- 1Y
- 45.02%
- 3Y*
- 39.66%
- 5Y*
- 12.50%
- 10Y*
- 13.11%
HBCP
- 1D
- 0.05%
- 1M
- 2.06%
- YTD
- 15.86%
- 6M
- 12.11%
- 1Y
- 36.91%
- 3Y*
- 27.84%
- 5Y*
- 14.13%
- 10Y*
- 11.98%
ABCB vs. HBCP - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ABCB Ameris Bancorp | 17.93% | 20.13% | 19.36% | 14.28% | -3.83% | 32.02% | -8.30% | 36.06% | -33.69% | 11.50% |
HBCP Home Bancorp, Inc. | 15.86% | 27.88% | 12.75% | 8.00% | -1.24% | 52.02% | -26.14% | 13.27% | -16.72% | 13.54% |
Correlation
The correlation between ABCB and HBCP is 0.69, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.69 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.67 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.65 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.59 |
Correlation (All Time) Calculated using the full available price history since Oct 8, 2008 | 0.46 |
Over the past year, ABCB and HBCP have become more correlated (0.69) than their long-term average of 0.46, meaning their price movements have been converging.
Fundamentals
ABCB:
$5.92B
HBCP:
$518.99M
ABCB:
$6.35
HBCP:
$5.92
ABCB:
13.76
HBCP:
11.20
ABCB:
2.86
HBCP:
3.53
ABCB:
3.58
HBCP:
2.53
ABCB:
1.45
HBCP:
1.17
ABCB:
$1.67B
HBCP:
$205.81M
ABCB:
$1.17B
HBCP:
$113.24M
ABCB:
$616.15M
HBCP:
$45.87M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
ABCB vs. HBCP — Risk / Return Rank
ABCB
HBCP
ABCB vs. HBCP - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Ameris Bancorp (ABCB) and Home Bancorp, Inc. (HBCP). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ABCB | HBCP | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.40 | ||
| Sortino ratioReturn per unit of downside risk | +0.40 | ||
| Omega ratioGain probability vs. loss probability | 1.33 | 1.26 | +0.08 |
| Calmar ratioReturn relative to maximum drawdown | 3.27 | 3.19 | +0.08 |
| Martin ratioReturn relative to average drawdown | 10.09 | 8.92 | +1.18 |
Loading charts...
Drawdowns
ABCB vs. HBCP - Drawdown Comparison
The maximum ABCB drawdown since its inception was -86.63%, which is greater than HBCP's maximum drawdown of -58.31%. Use the drawdown chart below to compare losses from any high point for ABCB and HBCP.
Loading charts...
Drawdown Indicators
| ABCB | HBCP | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -86.63% | -58.31% | -28.32% |
Max Drawdown (1Y)Largest decline over 1 year | -13.85% | -11.63% | -2.22% |
Max Drawdown (3Y)Largest decline over 3 years | -29.49% | -21.74% | -7.75% |
Max Drawdown (5Y)Largest decline over 5 years | -46.57% | -34.91% | -11.66% |
Max Drawdown (10Y)Largest decline over 10 years | -67.20% | -58.31% | -8.89% |
Current DrawdownCurrent decline from peak | -1.79% | -2.60% | +0.81% |
Average DrawdownAverage peak-to-trough decline | -22.97% | -9.89% | -13.08% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.47% | 4.15% | +0.32% |
Volatility
ABCB vs. HBCP - Volatility Comparison
Ameris Bancorp (ABCB) has a higher volatility of 6.45% compared to Home Bancorp, Inc. (HBCP) at 5.88%. This indicates that ABCB's price experiences larger fluctuations and is considered to be riskier than HBCP based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| ABCB | HBCP | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.45% | 5.88% | +0.57% |
Volatility (6M)Calculated over the trailing 6-month period | 17.03% | 17.37% | -0.34% |
Volatility (1Y)Calculated over the trailing 1-year period | 24.57% | 25.80% | -1.23% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 32.36% | 29.93% | +2.43% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.13% | 33.96% | +3.17% |
Dividends
ABCB vs. HBCP - Dividend Comparison
ABCB's dividend yield for the trailing twelve months is around 0.92%, less than HBCP's 1.84% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ABCB Ameris Bancorp | 0.92% | 1.08% | 1.04% | 1.13% | 1.27% | 1.21% | 1.58% | 1.18% | 1.26% | 0.83% | 0.69% | 0.59% |
HBCP Home Bancorp, Inc. | 1.84% | 1.97% | 2.19% | 2.38% | 2.32% | 2.19% | 3.14% | 2.14% | 2.01% | 1.27% | 1.06% | 1.15% |
Financials
ABCB vs. HBCP - Financials Comparison
This section allows you to compare key financial metrics between Ameris Bancorp and Home Bancorp, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ABCB vs. HBCP - Profitability Comparison
ABCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Ameris Bancorp reported a gross profit of 314.36M and revenue of 421.69M. Therefore, the gross margin over that period was 74.6%.
HBCP - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Home Bancorp, Inc. reported a gross profit of 0.00 and revenue of 47.74M. Therefore, the gross margin over that period was 0.0%.
ABCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Ameris Bancorp reported an operating income of 140.73M and revenue of 421.69M, resulting in an operating margin of 33.4%.
HBCP - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Home Bancorp, Inc. reported an operating income of 0.00 and revenue of 47.74M, resulting in an operating margin of 0.0%.
ABCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Ameris Bancorp reported a net income of 110.49M and revenue of 421.69M, resulting in a net margin of 26.2%.
HBCP - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Home Bancorp, Inc. reported a net income of 11.36M and revenue of 47.74M, resulting in a net margin of 23.8%.
Frequently Asked Questions
ABCB and HBCP have a correlation of 0.69, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ABCB has higher volatility (6.45%) compared to HBCP (5.88%). In terms of maximum drawdown, ABCB dropped -86.63% vs HBCP's -58.31%.
ABCB currently has the higher Sharpe Ratio (1.84 vs 1.44), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
Find the right allocation for ABCB and HBCP
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer