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 2.2 times as much as United Community Banks ($10.1B against $4.5B).
On earnings, SouthState Bank is cheaper: it trades at 11.1× trailing earnings, against 31.6× for United Community Banks.
SouthState Bank grew revenue faster over the last twelve months (10.7% versus −20.6% for United Community Banks).
SouthState Bank keeps more of each dollar of sales as profit, with a net margin of 34.3% compared with 17.8% at United Community Banks.
Both pay dividends: SouthState Bank yields 1.8% and United Community Banks 2.7%.
SouthState Bank scores higher on the StockData Score (18 against 9 for United Community Banks), 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 | SSB | UCB |
|---|---|---|
| Size and price | ||
| Market cap | $10.1B | $4.5B |
| Share price | $104.36 | $37.27 |
| Change, 1 year | 17.5% | 23.1% |
| Change, 5 years | 28.6% | 3.4% |
| Beta (5Y) | 0.81 | 0.82 |
| Employees | 6,190 | 3,070 |
| StockData Score | ||
| Total score | 18 (better) | 9 |
| Valuation score | 4 (better) | 0 |
| Growth score | 1 (better) | 0 |
| Performance score | 4 (better) | 1 |
| Health score | 5 (better) | 4 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 11.1× (better) | 31.6× |
| P/S | 3.7× (better) | 5.5× |
| P/B | 1.1× (better) | 1.3× |
| P/FCF | 6.7× (better) | 11.1× |
| PEG | 1.84 (better) | 24.19 |
| FCF yield | 14.8% (better) | 9.0% |
| Fair value | $114.32 | $24.68 |
| Margin of safety | 8.7% (better) | −51.0% |
| Growth | ||
| Revenue growth (TTM) | 10.7% (better) | −20.6% |
| Revenue growth, 5Y average | 18.7% (better) | 13.0% |
| Net income growth (TTM) | 33.4% (better) | −53.8% |
| EPS growth (TTM) | 29.2% (better) | −53.2% |
| EPS growth, 5Y average | 29.2% (better) | 6.5% |
| Profitability | ||
| Net margin | 34.3% (better) | 17.8% |
| FCF margin | 55.3% (better) | 49.1% |
| Return on equity | 10.3% (better) | 4.1% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.20 (better) | 0.18 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.8% | 2.7% (better) |
| Payout ratio | 26.1% | 83.3% |
| Years of dividend growth | 14 (better) | 11 |
| Dividend growth, 5Y average | 3.9% | 6.4% (better) |
| Buyback yield | 4.6% (better) | 2.6% |
| Shareholder yield | 6.3% (better) | 5.3% |
| Ownership | ||
| Held by institutions | 88.3% | 87.3% |
| Held by insiders | 1.3% | 0.72% |
| Insider net buying, 12 months | −$7.7M | −$2.3M (better) |
| Short interest, % of float | 3.8% | 4.8% |
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.