SSB vs. WF: SouthState Bank vs. Woori Financial Stock Comparison

Company Profile

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

SouthState Bank (SSB) trades as ordinary local shares, while Woori Financial (WF) 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

SouthState Bank (SSB) at 10.27% is around its peer norm for ROE, while Woori Financial (WF) at 7.93% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

SouthState Bank (SSB) at 35.03% keeps about the industry-typical share of revenue as profit, while Woori Financial (WF) at 27.06% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for SouthState Bank (SSB) in Banks and Woori Financial (WF) 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 Woori Financial (WF) at 5.30% falls into the bottom quartile — a wide split in revenue momentum.

SouthState Bank (SSB) at 12.91% is around its peer norm for EPS growth, while Woori Financial (WF) at 2.58% 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 Woori Financial (WF) 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 Woori Financial (WF) 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

SouthState Bank (SSB) at 2.36% pays an industry-typical yield; Woori Financial (WF) at 1,108.19% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Both SouthState Bank (SSB) at 26.20% and Woori Financial (WF) at 32.85% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Woori Financial (WF) at 8.04 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 WF, though growth and earnings durability still matter.

P/S ratio is set aside for both SouthState Bank (SSB) in Banks and Woori Financial (WF) 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.

Woori Financial (WF) at 0.63 sits in the lower P/B ratio quartile against book while SouthState Bank (SSB) at 1.11 is valued near its industry’s middle — WF is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics