BAC vs. SSB: Bank of America vs. SouthState Bank Stock Comparison

Company Profile

Bank of America (BAC) and SouthState Bank (SSB) both belong to the Banks industry, though BAC is classified under Diversified Banks while SSB falls under Regional Banks.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Bank of America (BAC) is heavily traded at around 37.08M shares per day, whereas SouthState Bank (SSB) sees a more moderate 730.19K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Bank of America (BAC) at 10.73% and SouthState Bank (SSB) at 10.27% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Both Bank of America (BAC) at 28.06% and SouthState Bank (SSB) at 35.03% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.

Neither side reports a meaningful operating margin: for Bank of America (BAC) in Banks and SouthState Bank (SSB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

SouthState Bank (SSB) at 57.00% clears its industry range for revenue growth, far stronger top-line momentum than Bank of America (BAC) at 6.84%, which is closer to a typical peer reading.

Both Bank of America (BAC) at 18.69% and SouthState Bank (SSB) at 12.91% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Bank of America (BAC) in Banks and SouthState Bank (SSB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Bank of America (BAC) in Banks and SouthState Bank (SSB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Both Bank of America (BAC) at 2.33% and SouthState Bank (SSB) at 2.36% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

Both Bank of America (BAC) at 27.62% and SouthState Bank (SSB) at 26.20% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Bank of America (BAC) at 11.79 and SouthState Bank (SSB) at 11.09 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

P/S ratio is set aside for both Bank of America (BAC) in Banks and SouthState Bank (SSB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

On P/B ratio, both Bank of America (BAC) at 1.26 and SouthState Bank (SSB) at 1.11 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics