SSB vs. TD: SouthState Bank vs. Toronto-Dominion Bank Stock Comparison
How do SouthState Bank (SSB) and Toronto-Dominion Bank (TD) 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
SouthState Bank (SSB) and Toronto-Dominion Bank (TD) both belong to the Banks industry, though SSB is classified under Regional Banks while TD falls under Diversified Banks.
| Profile Item | SSB | TD |
|---|---|---|
| Name | SouthState Bank Corporation Common Stock | Toronto-Dominion Bank |
| Country/Region | United States | Canada |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Regional Banks | Diversified Banks |
| Market Capitalization | 10.07 billion USD | 199.88 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | January 28, 1997 | August 30, 1996 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SSB | TD |
|---|---|---|
| Total Return (1Y) | 24.44% | 57.20% |
| Total Return (3Y, Annualized) | 18.79% | 32.99% |
| Total Return (5Y, Annualized) | 7.93% | 15.46% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SSB | TD |
|---|---|---|
| Volatility (1Y, Annualized) | 22.12% | 19.05% |
| Beta (5Y) | 0.77 | 0.72 |
| Max Drawdown (5Y) | -32.70% | -31.16% |
| Avg. Volume (3M) | 730.19K | 1.81M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SSB | TD |
|---|---|---|
| Sharpe Ratio (1Y) | 0.91 | 2.78 |
| Sortino Ratio (1Y) | 1.37 | 4.15 |
Profitability
ROE (TTM)
Both SouthState Bank (SSB) at 10.27% and Toronto-Dominion Bank (TD) at 12.83% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
SSB
Banks industry group
10.27%
- Max
- 19.84%
- Q3
- 13.67%
- Median
- 11.49%
- SSB
- 10.27%
- Q1
- 9.50%
- Min
- 3.64%
TD
Banks industry group
12.83%
- Max
- 19.84%
- Q3
- 13.67%
- TD
- 12.83%
- Median
- 11.49%
- 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 Toronto-Dominion Bank (TD) at 26.62% retains only a bottom-quartile share.
SSB
Banks industry group
35.03%
- Max
- 47.19%
- Q3
- 35.25%
- SSB
- 35.03%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
TD
Banks industry group
26.62%
- Max
- 47.19%
- Q3
- 35.25%
- Median
- 31.21%
- Q1
- 27.11%
- TD
- 26.62%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for SouthState Bank (SSB) in Banks and Toronto-Dominion Bank (TD) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | SSB | TD |
|---|---|---|
| ROE (TTM) | 10.27% | 12.83% |
| ROA (TTM) | 1.36% | 0.78% |
| Net Margin (TTM) | 35.03% | 26.62% |
| 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 Toronto-Dominion Bank (TD) at 8.93%, which is closer to a typical peer reading.
EPS Growth
Toronto-Dominion Bank (TD) at 144.92% clears its industry range for EPS growth, a much stronger earnings trajectory than SouthState Bank (SSB) at 12.91%, which is closer to a typical peer reading.
Growth Metrics
| Metric | SSB | TD |
|---|---|---|
| Revenue Growth (YoY) | 57.00% | 8.93% |
| Revenue Growth (3Y CAGR) | 17.50% | 10.22% |
| EPS Growth (YoY) | 12.91% | 144.92% |
| EPS Growth (3Y CAGR) | 6.04% | 6.87% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: SouthState Bank (SSB) in Banks and Toronto-Dominion Bank (TD) 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: SouthState Bank (SSB) in Banks and Toronto-Dominion Bank (TD) 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 | SSB | TD |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Toronto-Dominion Bank (TD) at 3.52% delivers top-quartile income for its industry, while SouthState Bank (SSB) at 2.36% pays a more typical yield — both are credible income propositions, TD the richer one.
SSB
Banks industry group
2.36%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- SSB
- 2.36%
- Q1
- 1.20%
- Min
- 0.00%
TD
Banks industry group
3.52%
- Max
- 5.79%
- TD
- 3.52%
- Q3
- 3.18%
- Median
- 2.39%
- 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 Toronto-Dominion Bank (TD) at 46.36% distributes more than its industry norm — less retained, thinner cover.
SSB
Banks industry group
26.20%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- SSB
- 26.20%
- Q1
- 18.98%
- Min
- 0.00%
TD
Banks industry group
46.36%
- Max
- 70.75%
- TD
- 46.36%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- Min
- 0.00%
Dividend Metrics
| Metric | SSB | TD |
|---|---|---|
| Dividend Yield (TTM) | 2.36% | 3.52% |
| Dividend Payout Ratio (TTM) | 26.20% | 46.36% |
Valuation
P/E Ratio (TTM)
SouthState Bank (SSB) at 11.09 is near its industry’s usual P/E ratio, while Toronto-Dominion Bank (TD) at 18.16 sits in the richer quartile — TD needs stronger growth or earnings quality to justify the premium.
SSB
Banks industry group
11.09
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- SSB
- 11.09
- Q1
- 10.64
- Min
- 6.49
TD
Banks industry group
18.16
- TD
- 18.16
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both SouthState Bank (SSB) in Banks and Toronto-Dominion Bank (TD) 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 Toronto-Dominion Bank (TD) at 2.27 carries an above-peer premium to book — TD is pricier on assets.
SSB
Banks industry group
1.11
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- SSB
- 1.11
- Q1
- 1.10
- Min
- 0.59
TD
Banks industry group
2.27
- Max
- 2.28
- TD
- 2.27
- Q3
- 1.58
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | SSB | TD |
|---|---|---|
| P/E Ratio (TTM) | 11.09 | 18.16 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.11 | 2.27 |
| Free Cash Flow Yield (TTM) | -- | -- |