Ally Financial vs SouthState Bank
ALLY and SSB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ALLY and SSB compare
Ally Financial and SouthState Bank are about the same size, with market caps of $11.6B and $10.2B.
On earnings, Ally Financial is cheaper: it trades at 9.0× trailing earnings, against 11.2× for SouthState Bank.
Ally Financial grew revenue faster over the last twelve months (11.5% versus 10.7% for SouthState Bank).
SouthState Bank keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 16.8% at Ally Financial.
Both pay dividends: Ally Financial yields 3.1% and SouthState Bank 2.3%.
SouthState Bank scores higher on the StockData Score (18 against 14 for Ally Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ALLY | SSB |
|---|---|---|
| Size and price | ||
| Market cap | $11.6B | $10.2B |
| Share price | $38.17 | $105.17 |
| Change, 1 year | −4.5% | 19.0% |
| Change, 5 years | −22.8% | 27.4% |
| Beta (5Y) | 1.34 | 0.81 |
| Employees | 11K | 6,190 |
| StockData Score | ||
| Total score | 14 | 18 (better) |
| Valuation score | 6 (better) | 4 |
| Growth score | 2 (better) | 1 |
| Performance score | 0 | 4 (better) |
| Health score | 3 | 5 (better) |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 9.0× (better) | 11.2× |
| P/S | 1.3× (better) | 3.8× |
| P/B | 0.7× (better) | 1.1× |
| EV/EBITDA | 8.1× | – |
| P/FCF | – | 6.8× |
| PEG | – | 1.85 |
| FCF yield | – | 14.7% |
| Fair value | $50.37 | $114.50 |
| Margin of safety | 24.2% (better) | 8.2% |
| Growth | ||
| Revenue growth (TTM) | 11.5% (better) | 10.7% |
| Revenue growth, 5Y average | 3.4% | 18.7% (better) |
| Net income growth (TTM) | 236% (better) | 33.4% |
| EPS growth (TTM) | 312% (better) | 29.2% |
| EPS growth, 5Y average | −3.8% | 29.2% (better) |
| Profitability | ||
| Net margin | 16.8% | 34.3% (better) |
| FCF margin | – | 55.3% |
| Return on equity | 9.7% | 10.3% (better) |
| Financial health | ||
| Debt / equity | 1.48 | – |
| Net debt / EBITDA | 4.59 | – |
| Altman Z-score | 0.09 | 0.20 (better) |
| Piotroski F-score | 4 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | 3.1% (better) | 2.3% |
| Payout ratio | 26.2% | 26.1% |
| Years of dividend growth | 0 | 14 (better) |
| Dividend growth, 5Y average | 9.6% (better) | 3.9% |
| Buyback yield | 2.7% | 4.5% (better) |
| Shareholder yield | 5.9% | 6.8% (better) |
| Ownership | ||
| Held by institutions | 95.9% | 88.0% |
| Held by insiders | 0.84% | 1.3% |
| Insider net buying, 12 months | −$733K (better) | −$7.7M |
| Superinvestors holding | 4 | – |
| Short interest, % of float | 5.2% | 3.3% |
Go deeper
- ALLY stock overview
- ALLY income statement
- ALLY valuation and score
- SSB stock overview
- SSB income statement
- SSB valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.