SSB vs. UMBF: SouthState Bank vs. UMB Financial Stock Comparison

Company Profile

SouthState Bank (SSB) and UMB Financial (UMBF) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

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

Both SouthState Bank (SSB) at 10.27% and UMB Financial (UMBF) at 13.50% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

UMB Financial (UMBF) at 35.61% retains a top-quartile share of revenue as profit, ahead of SouthState Bank (SSB) at 35.03%, which keeps about the industry-typical share.

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

Profitability Metrics

Growth

Both SouthState Bank (SSB) at 57.00% and UMB Financial (UMBF) at 65.66% are expanding revenue faster than their entire industry benchmark ranges for revenue growth — exceptional top-line momentum on both sides, though growth that far above the peer range is worth checking for one-off boosts such as acquisitions.

SouthState Bank (SSB) at 12.91% is around its peer norm for EPS growth, while UMB Financial (UMBF) at 3.34% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: SouthState Bank (SSB) in Banks and UMB Financial (UMBF) 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: SouthState Bank (SSB) in Banks and UMB Financial (UMBF) 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 SouthState Bank (SSB) at 2.36% and UMB Financial (UMBF) at 1.33% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

SouthState Bank (SSB) at 26.20% keeps its payout within the industry’s typical band; UMB Financial (UMBF) at 13.54% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.

Dividend Metrics

Valuation

UMB Financial (UMBF) at 10.12 sits in the cheaper P/E ratio quartile, while SouthState Bank (SSB) at 11.09 is closer to its industry’s usual earnings multiple — a discount for UMBF, though growth and earnings durability still matter.

P/S ratio is set aside for both SouthState Bank (SSB) in Banks and UMB Financial (UMBF) 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 SouthState Bank (SSB) at 1.11 and UMB Financial (UMBF) at 1.34 are valued close to their industries’ norm against book — neither stands out from peers.

Valuation Metrics