First Citizens BancShares vs SouthState Bank
FCNCA 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 FCNCA and SSB compare
First Citizens BancShares is the larger company, worth 2.6 times as much as SouthState Bank ($26.6B against $10.2B).
On earnings, SouthState Bank is cheaper: it trades at 11.2× trailing earnings, against 12.6× for First Citizens BancShares.
SouthState Bank grew revenue faster over the last twelve months (10.7% versus 0.94% for First Citizens BancShares).
SouthState Bank keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 24.5% at First Citizens BancShares.
Both pay dividends: First Citizens BancShares yields 0.36% and SouthState Bank 2.3%.
SouthState Bank scores higher on the StockData Score (18 against 13 for First Citizens BancShares), 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 | FCNCA | SSB |
|---|---|---|
| Size and price | ||
| Market cap | $26.6B | $10.2B |
| Share price | $2352.64 | $105.17 |
| Change, 1 year | 31.7% | 19.0% |
| Change, 5 years | 176% | 27.4% |
| Beta (5Y) | 1.02 | 0.81 |
| Employees | 18K | 6,190 |
| StockData Score | ||
| Total score | 13 | 18 (better) |
| Valuation score | 2 | 4 (better) |
| Growth score | 2 (better) | 1 |
| Performance score | 2 | 4 (better) |
| Health score | 3 | 5 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 12.6× | 11.2× (better) |
| P/S | 2.8× (better) | 3.8× |
| P/B | 1.2× | 1.1× (better) |
| P/FCF | 10.8× | 6.8× (better) |
| PEG | 0.36 (better) | 1.85 |
| FCF yield | 9.2% | 14.7% (better) |
| Fair value | $2288.61 | $114.50 |
| Margin of safety | −2.8% | 8.2% (better) |
| Growth | ||
| Revenue growth (TTM) | 0.94% | 10.7% (better) |
| Revenue growth, 5Y average | 38.6% (better) | 18.7% |
| Net income growth (TTM) | −1.8% | 33.4% (better) |
| EPS growth (TTM) | 10.4% | 29.2% (better) |
| EPS growth, 5Y average | 28.3% | 29.2% (better) |
| Profitability | ||
| Net margin | 24.5% | 34.3% (better) |
| FCF margin | 25.6% | 55.3% (better) |
| Return on equity | 10.7% (better) | 10.3% |
| Financial health | ||
| Debt / equity | 1.47 | – |
| Altman Z-score | 0.24 (better) | 0.20 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 0.36% | 2.3% (better) |
| Payout ratio | 7.9% | 26.1% |
| Years of dividend growth | 9 | 14 (better) |
| Dividend growth, 5Y average | 36.6% (better) | 3.9% |
| Buyback yield | 12.4% (better) | 4.5% |
| Shareholder yield | 12.8% (better) | 6.8% |
| Ownership | ||
| Held by institutions | 59.6% | 88.0% |
| Held by insiders | 15.2% | 1.3% |
| Insider net buying, 12 months | −$1.9M (better) | −$7.7M |
| Superinvestors holding | 2 | – |
| Short interest, % of float | – | 3.3% |
Go deeper
- FCNCA stock overview
- FCNCA income statement
- FCNCA 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.