Citizens Financial vs SouthState Bank
CFG 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 CFG and SSB compare
Citizens Financial is the larger company, worth 2.6 times as much as SouthState Bank ($26.9B against $10.2B).
On earnings, SouthState Bank is cheaper: it trades at 11.2× trailing earnings, against 13.8× for Citizens Financial.
Citizens Financial grew revenue faster over the last twelve months (11.0% 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 24.4% at Citizens Financial.
Both pay dividends: Citizens Financial yields 2.2% and SouthState Bank 2.3%.
SouthState Bank scores higher on the StockData Score (18 against 13 for Citizens 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 | CFG | SSB |
|---|---|---|
| Size and price | ||
| Market cap | $26.9B | $10.2B |
| Share price | $63.81 | $105.17 |
| Change, 1 year | 26.5% | 19.0% |
| Change, 5 years | 33.5% | 27.4% |
| Beta (5Y) | 1.13 | 0.81 |
| Employees | 17K | 6,190 |
| StockData Score | ||
| Total score | 13 | 18 (better) |
| Valuation score | 2 | 4 (better) |
| Growth score | 1 | 1 |
| Performance score | 2 | 4 (better) |
| Health score | 5 | 5 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 13.8× | 11.2× (better) |
| P/S | 3.1× (better) | 3.8× |
| P/B | 1.0× (better) | 1.1× |
| P/FCF | – | 6.8× |
| PEG | – | 1.85 |
| FCF yield | – | 14.7% |
| Fair value | $59.20 | $114.50 |
| Margin of safety | −7.8% | 8.2% (better) |
| Growth | ||
| Revenue growth (TTM) | 11.0% (better) | 10.7% |
| Revenue growth, 5Y average | 3.6% | 18.7% (better) |
| Net income growth (TTM) | 33.5% (better) | 33.4% |
| EPS growth (TTM) | 40.1% (better) | 29.2% |
| EPS growth, 5Y average | 11.7% | 29.2% (better) |
| Profitability | ||
| Net margin | 24.4% | 34.3% (better) |
| FCF margin | – | 55.3% |
| Return on equity | 8.3% | 10.3% (better) |
| Financial health | ||
| Debt / equity | 0.04 | – |
| Altman Z-score | 0.19 | 0.20 (better) |
| Piotroski F-score | 7 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.2% | 2.3% (better) |
| Payout ratio | 36.7% | 26.1% |
| Years of dividend growth | 1 | 14 (better) |
| Dividend growth, 5Y average | 2.0% | 3.9% (better) |
| Buyback yield | 2.7% | 4.5% (better) |
| Shareholder yield | 4.9% | 6.8% (better) |
| Ownership | ||
| Held by institutions | 97.2% | 88.0% |
| Held by insiders | 0.99% | 1.3% |
| Insider net buying, 12 months | −$10.5M | −$7.7M (better) |
| Short interest, % of float | 4.1% | 3.3% |
Go deeper
- CFG stock overview
- CFG income statement
- CFG 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.