ABCB vs. HTB

Last updated Jun 23, 2026

ABCB (Ameris Bancorp) and HTB (HomeTrust Bancshares, Inc) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past year, ABCB returned 45.02% vs 36.21% for HTB. A 0.66 correlation means they provide meaningful diversification when combined.

Performance

ABCB vs. HTB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Ameris Bancorp (ABCB) and HomeTrust Bancshares, Inc (HTB). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, ABCB achieves a 17.93% return, which is significantly higher than HTB's 12.60% 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%

HTB

• 1D: -0.83%
• 1M: 2.61%
• YTD: 12.60%
• 6M: 8.07%
• 1Y: 36.21%
• 3Y*: —
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

ABCB vs. HTB - Yearly Performance Comparison

	2026 (YTD)	2025
ABCB Ameris Bancorp	17.93%	18.76%
HTB HomeTrust Bancshares, Inc	12.60%	17.70%

Correlation

The correlation between ABCB and HTB is 0.65, 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	0.65
Correlation (All Time) Calculated using the full available price history since Feb 28, 2025	0.66

The correlation between ABCB and HTB has been stable across timeframes, ranging from 0.65 to 0.66 - a consistent structural relationship.

Fundamentals

Market Cap ABCB : $5.92B HTB : $803.21M
EPS ABCB : $6.35 HTB : $2.93
PE Ratio ABCB : 13.76 HTB : 16.40
PEG Ratio ABCB : 2.86 HTB : 1.21
PS Ratio ABCB : 3.58 HTB : 3.73
PB Ratio ABCB : 1.45 HTB : 1.36
Total Revenue (TTM) ABCB : $1.67B HTB : $219.33M
Gross Profit (TTM) ABCB : $1.17B HTB : $155.26M
EBITDA (TTM) ABCB : $616.15M HTB : $88.78M

Return for Risk

ABCB vs. HTB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

ABCB

ABCB Risk / Return Rank: 85
ABCB Sharpe Ratio Rank: 87
ABCB Sortino Ratio Rank: 84
ABCB Omega Ratio Rank: 84
ABCB Calmar Ratio Rank: 85
ABCB Martin Ratio Rank: 88

HTB

HTB Risk / Return Rank: 83
HTB Sharpe Ratio Rank: 83
HTB Sortino Ratio Rank: 81
HTB Omega Ratio Rank: 80
HTB Calmar Ratio Rank: 87
HTB Martin Ratio Rank: 85

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ABCB vs. HTB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Ameris Bancorp (ABCB) and HomeTrust Bancshares, Inc (HTB). 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	HTB	Difference
Sharpe ratio: Return per unit of total volatility	1.84	1.57	+0.28
Sortino ratio: Return per unit of downside risk	2.52	2.31	+0.21
Omega ratio: Gain probability vs. loss probability	1.33	1.29	+0.05
Calmar ratio: Return relative to maximum drawdown	3.27	3.76	-0.49
Martin ratio: Return relative to average drawdown	10.09	8.17	+1.92

ABCB vs. HTB - Sharpe Ratio Comparison

The current ABCB Sharpe Ratio is 1.84, which is comparable to the HTB Sharpe Ratio of 1.57. The chart below compares the historical Sharpe Ratios of ABCB and HTB, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

ABCB vs. HTB - Drawdown Comparison

The maximum ABCB drawdown since its inception was -86.63%, which is greater than HTB's maximum drawdown of -13.10%. Use the drawdown chart below to compare losses from any high point for ABCB and HTB.

Drawdown Indicators

	ABCB	HTB	Difference
Max Drawdown Largest peak-to-trough decline	-86.63%	-13.10%	-73.53%
Max Drawdown (1Y) Largest decline over 1 year	-13.85%	-9.67%	-4.18%
Max Drawdown (3Y) Largest decline over 3 years	-29.49%	—	—
Max Drawdown (5Y) Largest decline over 5 years	-46.57%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-67.20%	—	—
Current Drawdown Current decline from peak	-1.79%	-0.83%	-0.96%
Average Drawdown Average peak-to-trough decline	-22.97%	-3.95%	-19.02%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.47%	4.44%	+0.03%

Volatility

ABCB vs. HTB - Volatility Comparison

Ameris Bancorp (ABCB) has a higher volatility of 6.45% compared to HomeTrust Bancshares, Inc (HTB) at 4.74%. This indicates that ABCB's price experiences larger fluctuations and is considered to be riskier than HTB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ABCB	HTB	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.45%	4.74%	+1.71%
Volatility (6M) Calculated over the trailing 6-month period	17.03%	15.74%	+1.29%
Volatility (1Y) Calculated over the trailing 1-year period	24.57%	23.25%	+1.32%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	32.36%	24.32%	+8.04%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	37.13%	24.32%	+12.81%

Dividends

ABCB vs. HTB - Dividend Comparison

ABCB's dividend yield for the trailing twelve months is around 0.92%, less than HTB's 1.10% 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%
HTB HomeTrust Bancshares, Inc	1.10%	0.58%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both ABCB and HTB in my portfolio?

ABCB and HTB have a correlation of 0.65, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, ABCB or HTB?

ABCB has higher volatility (6.45%) compared to HTB (4.74%). In terms of maximum drawdown, ABCB dropped -86.63% vs HTB's -13.10%.

Which has better risk-adjusted returns?

ABCB currently has the higher Sharpe Ratio (1.84 vs 1.57), 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.