SouthState Bank vs United Community Banks
SSB and UCB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How SSB and UCB compare
SouthState Bank is the larger company, worth 2.3 times as much as United Community Banks ($10.2B against $4.4B).
On earnings, SouthState Bank is cheaper: it trades at 11.2× trailing earnings, against 12.1× for United Community Banks.
United Community Banks grew revenue faster over the last twelve months (13.8% 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 34.0% at United Community Banks.
Both pay dividends: SouthState Bank yields 2.3% and United Community Banks 2.7%.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | SSB | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $10.2B | $4.4B |
| Share price | $105.17 | $36.73 |
| Change, 1 year | 19.0% | 25.7% |
| Change, 5 years | 27.4% | 0.03% |
| Beta (5Y) | 0.81 | 0.83 |
| Employees | 6,190 | 3,070 |
| StockData Score | ||
| Total score | 18 | 18 |
| Valuation score | 4 | 4 |
| Growth score | 1 | 2 (better) |
| Performance score | 4 | 4 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.2× (better) | 12.1× |
| P/S | 3.8× (better) | 4.0× |
| P/B | 1.1× (better) | 1.2× |
| P/FCF | 6.8× (better) | 12.3× |
| PEG | 1.85 (better) | 9.25 |
| FCF yield | 14.7% (better) | 8.2% |
| Fair value | $114.50 | $37.68 |
| Margin of safety | 8.2% (better) | 2.5% |
| Growth | ||
| Revenue growth (TTM) | 10.7% | 13.8% (better) |
| Revenue growth, 5Y average | 18.7% (better) | 13.0% |
| Net income growth (TTM) | 33.4% | 38.3% (better) |
| EPS growth (TTM) | 29.2% | 38.2% (better) |
| EPS growth, 5Y average | 29.2% (better) | 6.5% |
| Profitability | ||
| Net margin | 34.3% (better) | 34.0% |
| FCF margin | 55.3% (better) | 32.5% |
| Return on equity | 10.3% | 10.3% (better) |
| Financial health | ||
| Debt / equity | – | 0.10 |
| Altman Z-score | 0.20 (better) | 0.19 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.3% | 2.7% (better) |
| Payout ratio | 26.1% | 32.1% |
| Years of dividend growth | 14 (better) | 11 |
| Dividend growth, 5Y average | 3.9% | 6.4% (better) |
| Buyback yield | 4.5% (better) | 1.5% |
| Shareholder yield | 6.8% (better) | 4.3% |
| Ownership | ||
| Held by institutions | 88.0% | 87.3% |
| Held by insiders | 1.3% | 0.72% |
| Insider net buying, 12 months | −$7.7M | −$2.3M (better) |
| Short interest, % of float | 3.3% | 4.5% |
Go deeper
- SSB stock overview
- SSB income statement
- SSB valuation and score
- UCB stock overview
- UCB income statement
- UCB valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.