RF vs. SSB: Regions Financial vs. SouthState Bank Stock Comparison
How do Regions Financial (RF) 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
Regions Financial (RF) and SouthState Bank (SSB) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | RF | SSB |
|---|---|---|
| Name | Regions Financial Corp. | SouthState Bank Corporation Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Regional Banks |
| Market Capitalization | 24.06 billion USD | 10.07 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | March 17, 1980 | January 28, 1997 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | RF | SSB |
|---|---|---|
| Total Return (1Y) | 22.28% | 24.44% |
| Total Return (3Y, Annualized) | 30.40% | 18.79% |
| Total Return (5Y, Annualized) | 8.09% | 7.93% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | RF | SSB |
|---|---|---|
| Volatility (1Y, Annualized) | 23.37% | 22.12% |
| Beta (5Y) | 1.00 | 0.77 |
| Max Drawdown (5Y) | -40.99% | -32.70% |
| Avg. Volume (3M) | 9.26M | 730.19K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | RF | SSB |
|---|---|---|
| Sharpe Ratio (1Y) | 0.77 | 0.91 |
| Sortino Ratio (1Y) | 1.11 | 1.37 |
Profitability
ROE (TTM)
Both Regions Financial (RF) at 12.38% 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.
RF
Banks industry group
12.38%
- Max
- 19.84%
- Q3
- 13.67%
- RF
- 12.38%
- Median
- 11.49%
- 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)
Both Regions Financial (RF) at 31.29% 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.
RF
Banks industry group
31.29%
- Max
- 47.19%
- Q3
- 35.25%
- RF
- 31.29%
- Median
- 31.21%
- Q1
- 27.11%
- 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 Regions Financial (RF) 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 | RF | SSB |
|---|---|---|
| ROE (TTM) | 12.38% | 10.27% |
| ROA (TTM) | 1.42% | 1.36% |
| Net Margin (TTM) | 31.29% | 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 Regions Financial (RF) at 6.25%, which is closer to a typical peer reading.
EPS Growth
Both Regions Financial (RF) at 19.17% 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 | RF | SSB |
|---|---|---|
| Revenue Growth (YoY) | 6.25% | 57.00% |
| Revenue Growth (3Y CAGR) | 1.65% | 17.50% |
| EPS Growth (YoY) | 19.17% | 12.91% |
| EPS Growth (3Y CAGR) | 0.29% | 6.04% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Regions Financial (RF) 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: Regions Financial (RF) 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 | RF | SSB |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Regions Financial (RF) at 3.85% delivers top-quartile income for its industry, while SouthState Bank (SSB) at 2.36% pays a more typical yield — both are credible income propositions, RF the richer one.
RF
Banks industry group
3.85%
- Max
- 5.79%
- RF
- 3.85%
- 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 Regions Financial (RF) at 43.27% distributes more than its industry norm — less retained, thinner cover.
RF
Banks industry group
43.27%
- Max
- 70.75%
- RF
- 43.27%
- 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 | RF | SSB |
|---|---|---|
| Dividend Yield (TTM) | 3.85% | 2.36% |
| Dividend Payout Ratio (TTM) | 43.27% | 26.20% |
Valuation
P/E Ratio (TTM)
Both Regions Financial (RF) at 11.10 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.
RF
Banks industry group
11.10
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- RF
- 11.10
- 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 Regions Financial (RF) 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)
On P/B ratio, both Regions Financial (RF) at 1.46 and SouthState Bank (SSB) at 1.11 are valued close to their industries’ norm against book — neither stands out from peers.
RF
Banks industry group
1.46
- Max
- 2.28
- Q3
- 1.58
- RF
- 1.46
- 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 | RF | SSB |
|---|---|---|
| P/E Ratio (TTM) | 11.10 | 11.09 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.46 | 1.11 |
| Free Cash Flow Yield (TTM) | -- | -- |