SSB vs. WTFC: SouthState Bank vs. Wintrust Financial Stock Comparison
How do SouthState Bank (SSB) and Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) are both classified in the Regional Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
| Profile Item | SSB | WTFC |
|---|---|---|
| Name | SouthState Bank Corporation Common Stock | Wintrust Financial Corporation |
| 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 | 10.07 billion USD | 10.21 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | January 28, 1997 | April 16, 1998 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SSB | WTFC |
|---|---|---|
| Total Return (1Y) | 24.44% | 21.25% |
| Total Return (3Y, Annualized) | 18.79% | 28.56% |
| Total Return (5Y, Annualized) | 7.93% | 13.01% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SSB | WTFC |
|---|---|---|
| Volatility (1Y, Annualized) | 22.12% | 23.68% |
| Beta (5Y) | 0.77 | 0.85 |
| Max Drawdown (5Y) | -32.70% | -40.71% |
| Avg. Volume (3M) | 730.19K | 515.90K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SSB | WTFC |
|---|---|---|
| Sharpe Ratio (1Y) | 0.91 | 0.72 |
| Sortino Ratio (1Y) | 1.37 | 1.07 |
Profitability
ROE (TTM)
Both SouthState Bank (SSB) at 10.27% and Wintrust Financial (WTFC) at 12.88% 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%
WTFC
Banks industry group
12.88%
- Max
- 19.84%
- Q3
- 13.67%
- WTFC
- 12.88%
- Median
- 11.49%
- Q1
- 9.50%
- Min
- 3.64%
Net Margin (TTM)
Both SouthState Bank (SSB) at 35.03% and Wintrust Financial (WTFC) at 32.81% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
SSB
Banks industry group
35.03%
- Max
- 47.19%
- Q3
- 35.25%
- SSB
- 35.03%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
WTFC
Banks industry group
32.81%
- Max
- 47.19%
- Q3
- 35.25%
- WTFC
- 32.81%
- Median
- 31.21%
- Q1
- 27.11%
- Min
- 14.93%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for SouthState Bank (SSB) in Banks and Wintrust Financial (WTFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability Metrics
| Metric | SSB | WTFC |
|---|---|---|
| ROE (TTM) | 10.27% | 12.88% |
| ROA (TTM) | 1.36% | 1.27% |
| Net Margin (TTM) | 35.03% | 32.81% |
| 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 Wintrust Financial (WTFC) at 11.23%, which is closer to a typical peer reading.
EPS Growth
Both SouthState Bank (SSB) at 12.91% and Wintrust Financial (WTFC) at 10.57% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.
Growth Metrics
| Metric | SSB | WTFC |
|---|---|---|
| Revenue Growth (YoY) | 57.00% | 11.23% |
| Revenue Growth (3Y CAGR) | 17.50% | 11.69% |
| EPS Growth (YoY) | 12.91% | 10.57% |
| EPS Growth (3Y CAGR) | 6.04% | 12.44% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: SouthState Bank (SSB) in Banks and Wintrust Financial (WTFC) 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 Wintrust Financial (WTFC) 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 | WTFC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both SouthState Bank (SSB) at 2.36% and Wintrust Financial (WTFC) at 1.42% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.
SSB
Banks industry group
2.36%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- SSB
- 2.36%
- Q1
- 1.20%
- Min
- 0.00%
WTFC
Banks industry group
1.42%
- Max
- 5.79%
- Q3
- 3.18%
- Median
- 2.39%
- WTFC
- 1.42%
- Q1
- 1.20%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
SouthState Bank (SSB) at 26.20% keeps its payout within the industry’s typical band; Wintrust Financial (WTFC) at 16.49% pays out less than peers usually do, retaining more of its earnings — a policy difference more than a quality gap.
SSB
Banks industry group
26.20%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- SSB
- 26.20%
- Q1
- 18.98%
- Min
- 0.00%
WTFC
Banks industry group
16.49%
- Max
- 70.75%
- Q3
- 41.28%
- Median
- 29.26%
- Q1
- 18.98%
- WTFC
- 16.49%
- Min
- 0.00%
Dividend Metrics
| Metric | SSB | WTFC |
|---|---|---|
| Dividend Yield (TTM) | 2.36% | 1.42% |
| Dividend Payout Ratio (TTM) | 26.20% | 16.49% |
Valuation
P/E Ratio (TTM)
Both SouthState Bank (SSB) at 11.09 and Wintrust Financial (WTFC) at 11.60 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
SSB
Banks industry group
11.09
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- SSB
- 11.09
- Q1
- 10.64
- Min
- 6.49
WTFC
Banks industry group
11.60
- Max
- 18.16
- Q3
- 13.75
- Median
- 11.81
- WTFC
- 11.60
- Q1
- 10.64
- Min
- 6.49
P/S Ratio (TTM)
P/S ratio is set aside for both SouthState Bank (SSB) in Banks and Wintrust Financial (WTFC) 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 SouthState Bank (SSB) at 1.11 and Wintrust Financial (WTFC) at 1.49 are valued close to their industries’ norm against book — neither stands out from peers.
SSB
Banks industry group
1.11
- Max
- 2.28
- Q3
- 1.58
- Median
- 1.32
- SSB
- 1.11
- Q1
- 1.10
- Min
- 0.59
WTFC
Banks industry group
1.49
- Max
- 2.28
- Q3
- 1.58
- WTFC
- 1.49
- Median
- 1.32
- Q1
- 1.10
- Min
- 0.59
Valuation Metrics
| Metric | SSB | WTFC |
|---|---|---|
| P/E Ratio (TTM) | 11.09 | 11.60 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 1.11 | 1.49 |
| Free Cash Flow Yield (TTM) | -- | -- |