BMO vs. SSB: Bank of Montreal vs. SouthState Bank Stock Comparison
How do Bank of Montreal (BMO) and SouthState Bank (SSB) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Bank of Montreal (BMO) and SouthState Bank (SSB) both belong to the Banks industry, though BMO is classified under Diversified Banks while SSB falls under Regional Banks.
| Profile Item | BMO | SSB |
|---|---|---|
| Name | Bank of Montreal | SouthState Bank Corporation Common Stock |
| Country/Region | Canada | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Regional Banks |
| Market Capitalization | 118.95 billion USD | 10.07 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | October 27, 1994 | January 28, 1997 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BMO | SSB |
|---|---|---|
| Total Return (1Y) | 44.12% | 24.44% |
| Total Return (3Y, Annualized) | 35.66% | 18.79% |
| Total Return (5Y, Annualized) | 13.54% | 7.93% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BMO | SSB |
|---|---|---|
| Volatility (1Y, Annualized) | 20.96% | 22.12% |
| Beta (5Y) | 0.93 | 0.77 |
| Max Drawdown (5Y) | -34.29% | -32.70% |
| Avg. Volume (3M) | 728.11K | 730.19K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BMO | SSB |
|---|---|---|
| Sharpe Ratio (1Y) | 1.90 | 0.91 |
| Sortino Ratio (1Y) | 2.79 | 1.37 |
Profitability
ROE (TTM)
Both Bank of Montreal (BMO) at 10.57% 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.
BMO
Banks industry group
10.57%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- BMO
- 10.57%
- Q1
- 9.50%
- Min
- 3.64%
SSB
Banks industry group
10.27%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- SSB
- 10.27%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
SouthState Bank (SSB) at 35.03% keeps about the industry-typical share of revenue as profit, while Bank of Montreal (BMO) at 25.66% retains only a bottom-quartile share.
BMO
Banks industry group
25.66%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- BMO
- 25.66%
- Min
- 14.93%
SSB
Banks industry group
35.03%
- Max
- 47.19%
- Q3
- 35.25%
- SSB
- 35.03%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Bank of Montreal (BMO) 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
| Metric | BMO | SSB |
|---|---|---|
| ROE (TTM) | 10.57% | 10.27% |
| ROA (TTM) | 0.62% | 1.36% |
| Net Margin (TTM) | 25.66% | 35.03% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
SouthState Bank (SSB) at 57.00% clears its industry range for revenue growth, far stronger top-line momentum than Bank of Montreal (BMO) at 12.67%, which is closer to a typical peer reading.
EPS Growth
Both Bank of Montreal (BMO) at 20.29% 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
| Metric | BMO | SSB |
|---|---|---|
| Revenue Growth (YoY) | 12.67% | 57.00% |
| Revenue Growth (3Y CAGR) | 11.19% | 17.50% |
| EPS Growth (YoY) | 20.29% | 12.91% |
| EPS Growth (3Y CAGR) | -16.98% | 6.04% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Bank of Montreal (BMO) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Bank of Montreal (BMO) 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
| Metric | BMO | SSB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Bank of Montreal (BMO) at 3.87% delivers top-quartile income for its industry, while SouthState Bank (SSB) at 2.36% pays a more typical yield — both are credible income propositions, BMO the richer one.
BMO
Banks industry group
3.87%
- Max
- 5.79%
- BMO
- 3.87%
- Q3
- 3.18%
- Median
- 2.39%
- Q1
- 1.20%
- Min
- 0.00%
SSB
Banks industry group
2.36%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- SSB
- 2.36%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
SouthState Bank (SSB) at 26.20% pays out a band-typical share of earnings, while Bank of Montreal (BMO) at 54.44% distributes more than its industry norm — less retained, thinner cover.
BMO
Banks industry group
54.44%
- Max
- 70.75%
- BMO
- 54.44%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
SSB
Banks industry group
26.20%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- SSB
- 26.20%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | BMO | SSB |
|---|---|---|
| Dividend Yield (TTM) | 3.87% | 2.36% |
| Dividend Payout Ratio (TTM) | 54.44% | 26.20% |
Valuation
P/E Ratio (TTM)
SouthState Bank (SSB) at 11.09 is near its industry’s usual P/E ratio, while Bank of Montreal (BMO) at 19.34 sits above its peer range — an unusually expensive price for BMO’s trailing earnings.
BMO
Banks industry group
19.34
- BMO
- 19.34
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
SSB
Banks industry group
11.09
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- SSB
- 11.09
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both Bank of Montreal (BMO) 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.
P/B Ratio (MRQ)
SouthState Bank (SSB) at 1.11 is valued about in line with its industry on P/B ratio, while Bank of Montreal (BMO) at 1.97 carries an above-peer premium to book — BMO is pricier on assets.
BMO
Banks industry group
1.97
- Max
- 2.28
- BMO
- 1.97
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
SSB
Banks industry group
1.11
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- SSB
- 1.11
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | BMO | SSB |
|---|---|---|
| P/E Ratio (TTM) | 19.34 | 11.09 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.97 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |