ING vs. SSB: ING Groep vs. SouthState Bank Stock Comparison

Company Profile

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

SouthState Bank (SSB) trades as ordinary local shares, while ING Groep (ING) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

ING Groep (ING) at 17.76% sits in the top ROE quartile, while SouthState Bank (SSB) at 10.27% is closer to the peer norm — stronger capital efficiency for ING.

Both ING Groep (ING) at 34.40% 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 ING Groep (ING) 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% delivers above-range revenue growth, while ING Groep (ING) at 1.55% falls into the bottom quartile — a wide split in revenue momentum.

Both ING Groep (ING) at 7.07% 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: ING Groep (ING) 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: ING Groep (ING) 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

ING Groep (ING) at 4.55% delivers top-quartile income for its industry, while SouthState Bank (SSB) at 2.36% pays a more typical yield — both are credible income propositions, ING the richer one.

SouthState Bank (SSB) at 26.20% pays out a band-typical share of earnings, while ING Groep (ING) at 48.14% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both ING Groep (ING) at 11.70 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 ING Groep (ING) 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.

SouthState Bank (SSB) at 1.11 is valued about in line with its industry on P/B ratio, while ING Groep (ING) at 1.61 carries an above-peer premium to book — ING is pricier on assets.

Valuation Metrics