HTB vs. ABCB
HTB (HomeTrust Bancshares, Inc) and ABCB (Ameris Bancorp) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past year, HTB returned 35.87% vs 33.67% for ABCB. Their 0.65 correlation means they have sometimes moved together and sometimes differently.
Performance
HTB vs. ABCB - Performance Comparison
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Returns By Period
In the year-to-date period, HTB achieves a 19.96% return, which is significantly higher than ABCB's 17.99% return.
HTB
- 1D
- 0.06%
- 1M
- 3.56%
- 6M
- 19.46%
- YTD
- 19.96%
- 1Y
- 35.87%
- 3Y*
- —
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- 27.54%
ABCB
- 1D
- -0.41%
- 1M
- -3.23%
- 6M
- 8.70%
- YTD
- 17.99%
- 1Y
- 33.67%
- 3Y*
- 27.45%
- 5Y*
- 13.83%
- 10Y*
- 11.72%
- ALL TIME*
- 11.48%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
ABCB Ameris Bancorp | $52.45M | $44.02M | $44.54M |
| $5.89M | $6.10M | $5.30M |
HTB vs. ABCB - Yearly Performance Comparison
| 2026 (YTD) | 2025 | |
|---|---|---|
HTB HomeTrust Bancshares, Inc | 19.96% | 17.70% |
ABCB Ameris Bancorp | 17.99% | 18.76% |
Correlation
The correlation between HTB and ABCB is 0.65, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.65 |
Correlation (All Time) Calculated using the full available price history since Feb 28, 2025 | 0.65 |
The correlation between HTB and ABCB has been stable across timeframes, ranging from 0.65 to 0.65 - a consistent structural relationship.
Fundamentals
HTB:
$860.27M
ABCB:
$5.87B
HTB:
$1.93
ABCB:
$5.54
HTB:
26.48
ABCB:
15.75
HTB:
1.95
ABCB:
3.27
HTB:
5.50
ABCB:
3.50
HTB:
1.41
ABCB:
1.43
HTB:
$157.04M
ABCB:
$1.70B
HTB:
$157.62M
ABCB:
$1.18B
HTB:
$87.93M
ABCB:
$529.06M
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Return for Risk
HTB vs. ABCB — Risk / Return Rank
HTB
ABCB
HTB vs. ABCB - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for HomeTrust Bancshares, Inc (HTB) and Ameris Bancorp (ABCB). 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.
| HTB | ABCB | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.26 | ||
| Sortino ratioReturn per unit of downside risk | +0.41 | ||
| Omega ratioGain probability vs. loss probability | 1.28 | 1.23 | +0.05 |
| Calmar ratioReturn relative to maximum drawdown | 3.47 | 2.10 | +1.37 |
| Martin ratioReturn relative to average drawdown | 7.79 | 6.43 | +1.36 |
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Drawdowns
HTB vs. ABCB - Drawdown Comparison
The maximum HTB drawdown since its inception was -13.10%, smaller than the maximum ABCB drawdown of -86.63%. Use the drawdown chart below to compare losses from any high point for HTB and ABCB.
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Drawdown Indicators
| HTB | ABCB | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -13.10% | -86.63% | +73.53% |
Max Drawdown (1Y)Largest decline over 1 year | -9.67% | -13.85% | +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 DrawdownCurrent decline from peak | -0.64% | -6.40% | +5.76% |
Average DrawdownAverage peak-to-trough decline | -3.83% | -22.90% | +19.07% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.30% | 4.53% | -0.23% |
Volatility
HTB vs. ABCB - Volatility Comparison
HomeTrust Bancshares, Inc (HTB) and Ameris Bancorp (ABCB) have volatilities of 6.03% and 6.23%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| HTB | ABCB | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.03% | 6.23% | -0.20% |
Volatility (6M)Calculated over the trailing 6-month period | 14.06% | 16.51% | -2.45% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.75% | 23.88% | -1.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 23.96% | 32.10% | -8.14% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 23.96% | 37.05% | -13.09% |
Dividends
HTB vs. ABCB - Dividend Comparison
HTB's dividend yield for the trailing twelve months is around 1.04%, more than ABCB's 0.92% 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 | 1.04% | 0.58% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
HTB vs. ABCB - Financials Comparison
This section allows you to compare key financial metrics between HomeTrust Bancshares, Inc and Ameris Bancorp. 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
HTB vs. ABCB - Profitability Comparison
HTB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, HomeTrust Bancshares, Inc reported a gross profit of 0.00 and revenue of -61.50M. Therefore, the gross margin over that period was 0.0%.
ABCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Ameris Bancorp reported a gross profit of 301.56M and revenue of 431.90M. Therefore, the gross margin over that period was 69.8%.
HTB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, HomeTrust Bancshares, Inc reported an operating income of -1.89M and revenue of -61.50M, resulting in an operating margin of 3.1%.
ABCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Ameris Bancorp reported an operating income of 66.05M and revenue of 431.90M, resulting in an operating margin of 15.3%.
HTB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, HomeTrust Bancshares, Inc reported a net income of -16.77M and revenue of -61.50M, resulting in a net margin of 27.3%.
ABCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Ameris Bancorp reported a net income of 51.45M and revenue of 431.90M, resulting in a net margin of 11.9%.
Frequently Asked Questions
HTB and ABCB 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.
ABCB has higher volatility (6.23%) compared to HTB (6.03%). In terms of maximum drawdown, HTB dropped -13.10% vs ABCB's -86.63%.
HTB currently has the higher Sharpe Ratio (1.48 vs 1.22), 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.
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