SSB
SouthState Corporation
Banks - Regional
Market Cap$9.79B
5Y Perf.+85.3%
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Stock Comparison
SSB vs SFNC
Revenue, margins, valuation, and 5-year total return — side by side.
SFNC
Simmons First National Corporation
Banks - Regional
Market Cap$3.09B
5Y Perf.+24.5%
SSB vs SFNC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SSB | SFNC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $9.79B | $3.09B |
| Revenue (TTM) | $3.76B | $627M |
| Net Income (TTM) | $799M | $-398M |
| Gross Margin | 68.3% | 5.8% |
| Operating Margin | 27.9% | -84.2% |
| Forward P/E | 10.3x | 10.3x |
| Total Debt | $1.31B | $641M |
| Cash & Equiv. | $583M | $380M |
SSB vs SFNC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SSB
SFNC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| SouthState Corporat… (SSB) | 100 | 185.3 | +85.3% |
| Simmons First Natio… (SFNC) | 100 | 124.5 | +24.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SSB vs SFNC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SSB leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Simmons First National Corporation is the stronger pick specifically for capital preservation and lower volatility and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
SSB
SouthState Corporation
The Banking Pick
SSB carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 57.0%, EPS growth 12.8%
- 67.9% 10Y total return vs SFNC's 25.2%
- NIM 3.4% vs SFNC's 2.9%
Best for: growth exposure and long-term compounding
SFNC
Simmons First National Corporation
The Banking Pick
SFNC is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 6 yrs, beta 1.02, yield 4.0%
- Lower volatility, beta 1.02, Low D/E 18.8%, current ratio 0.86x
- Beta 1.02, yield 4.0%, current ratio 0.86x
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | SSB | 57.0% NII/revenue growth vs SFNC's -56.7% |
| Value | SSB | Lower P/E (10.3x vs 10.3x) |
| Quality / Margins | SSB | Efficiency ratio 0.4% vs SFNC's 0.9% (lower = leaner) |
| Stability / Safety | SFNC | Beta 1.02 vs SSB's 1.02 |
| Dividends | SSB | 2.4% yield, 16-year raise streak, vs SFNC's 4.0% |
| Momentum (1Y) | SFNC | +16.7% vs SSB's +14.3% |
| Efficiency (ROA) | SSB | Efficiency ratio 0.4% vs SFNC's 0.9% |
SSB vs SFNC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
SSB vs SFNC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSSBLAGGINGSFNC
SFNCSimmons First Nationa…
1leads
SSBSouthState Corporation
3leads
6 Total Categories
CATEGORYLEADERvs SFNCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
SSB3/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
SSB6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
SSB4/6
Risk & VolatilityBeta, volatility, and downside exposure
SFNC2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
SSB leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SSB is the larger business by revenue, generating $3.8B annually — 6.0x SFNC's $627M. SSB is the more profitable business, keeping 21.3% of every revenue dollar as net income compared to SFNC's -63.4%.
| Metric | SSBSouthState Corpor… | SFNCSimmons First Nat… |
|---|---|---|
| RevenueTrailing 12 months | $3.8B | $627M |
| EBITDAEarnings before interest/tax | $1.2B | -$497M |
| Net IncomeAfter-tax profit | $799M | -$398M |
| Free Cash FlowCash after capex | $154M | $755M |
| Gross MarginGross profit ÷ Revenue | +68.3% | +5.8% |
| Operating MarginEBIT ÷ Revenue | +27.9% | -84.2% |
| Net MarginNet income ÷ Revenue | +21.3% | -63.4% |
| FCF MarginFCF ÷ Revenue | -14.4% | +71.7% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +30.9% | +42.1% |
SSB leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
Evenly matched — SSB and SFNC each lead in 2 of 4 comparable metrics.
Valuation Metrics
| Metric | SSBSouthState Corpor… | SFNCSimmons First Nat… |
|---|---|---|
| Market CapShares × price | $9.8B | $3.1B |
| Enterprise ValueMkt cap + debt − cash | $10.5B | $3.4B |
| Trailing P/EPrice ÷ TTM EPS | 12.39x | -7.24x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.30x | 10.35x |
| PEG RatioP/E ÷ EPS growth rate | 0.43x | — |
| EV / EBITDAEnterprise value multiple | 8.98x | — |
| Price / SalesMarket cap ÷ Revenue | 2.61x | 4.93x |
| Price / BookPrice ÷ Book value/share | 1.08x | 0.84x |
| Price / FCFMarket cap ÷ FCF | — | 6.88x |
Evenly matched — SSB and SFNC each lead in 2 of 4 comparable metrics.
Profitability & Efficiency
SSB leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
SSB delivers a 9.0% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $-12 for SFNC. SSB carries lower financial leverage with a 0.15x debt-to-equity ratio, signaling a more conservative balance sheet compared to SFNC's 0.19x.
| Metric | SSBSouthState Corpor… | SFNCSimmons First Nat… |
|---|---|---|
| ROE (TTM)Return on equity | +9.0% | -11.6% |
| ROA (TTM)Return on assets | +1.2% | -1.6% |
| ROICReturn on invested capital | +9.2% | -9.1% |
| ROCEReturn on capital employed | +4.8% | -4.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 0.15x | 0.19x |
| Net DebtTotal debt minus cash | $731M | $261M |
| Cash & Equiv.Liquid assets | $583M | $380M |
| Total DebtShort + long-term debt | $1.3B | $641M |
| Interest CoverageEBIT ÷ Interest expense | 0.97x | -1.01x |
SSB leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
SSB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SSB five years ago would be worth $12,035 today (with dividends reinvested), compared to $8,461 for SFNC. Over the past 12 months, SFNC leads with a +16.7% total return vs SSB's +14.3%. The 3-year compound annual growth rate (CAGR) favors SSB at 17.5% vs SFNC's 15.3% — a key indicator of consistent wealth creation.
| Metric | SSBSouthState Corpor… | SFNCSimmons First Nat… |
|---|---|---|
| YTD ReturnYear-to-date | +4.0% | +14.6% |
| 1-Year ReturnPast 12 months | +14.3% | +16.7% |
| 3-Year ReturnCumulative with dividends | +62.3% | +53.4% |
| 5-Year ReturnCumulative with dividends | +20.3% | -15.4% |
| 10-Year ReturnCumulative with dividends | +67.9% | +25.2% |
| CAGR (3Y)Annualised 3-year return | +17.5% | +15.3% |
SSB leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
SFNC leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SFNC is the less volatile stock with a 1.02 beta — it tends to amplify market swings less than SSB's 1.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SFNC currently trades 96.3% from its 52-week high vs SSB's 89.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SSBSouthState Corpor… | SFNCSimmons First Nat… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.02x | 1.02x |
| 52-Week HighHighest price in past year | $108.46 | $22.18 |
| 52-Week LowLowest price in past year | $84.48 | $17.00 |
| % of 52W HighCurrent price vs 52-week peak | +89.8% | +96.3% |
| RSI (14)Momentum oscillator 0–100 | 55.7 | 62.3 |
| Avg Volume (50D)Average daily shares traded | 841K | 1.2M |
SFNC leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — SSB and SFNC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates SSB as "Buy" and SFNC as "Buy". Consensus price targets imply 21.3% upside for SSB (target: $118) vs 6.1% for SFNC (target: $23). For income investors, SFNC offers the higher dividend yield at 4.00% vs SSB's 2.36%.
| Metric | SSBSouthState Corpor… | SFNCSimmons First Nat… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $118.20 | $22.67 |
| # AnalystsCovering analysts | 20 | 9 |
| Dividend YieldAnnual dividend ÷ price | +2.4% | +4.0% |
| Dividend StreakConsecutive years of raises | 16 | 6 |
| Dividend / ShareAnnual DPS | $2.30 | $0.85 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.4% | 0.0% |
Evenly matched — SSB and SFNC each lead in 1 of 2 comparable metrics.
Key Takeaway
SSB leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). SFNC leads in 1 (Risk & Volatility). 2 tied.
Best OverallSouthState Corporation (SSB)Leads 3 of 6 categories
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SSB vs SFNC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SSB or SFNC a better buy right now?
For growth investors, SouthState Corporation (SSB) is the stronger pick with 57.
0% revenue growth year-over-year, versus -56. 7% for Simmons First National Corporation (SFNC). SouthState Corporation (SSB) offers the better valuation at 12. 4x trailing P/E (10. 3x forward), making it the more compelling value choice. Analysts rate SouthState Corporation (SSB) a "Buy" — based on 20 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SSB or SFNC?
On forward P/E, SouthState Corporation is actually cheaper at 10.
3x.
03Which is the better long-term investment — SSB or SFNC?
Over the past 5 years, SouthState Corporation (SSB) delivered a total return of +20.
3%, compared to -15. 4% for Simmons First National Corporation (SFNC). Over 10 years, the gap is even starker: SSB returned +67. 9% versus SFNC's +25. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SSB or SFNC?
By beta (market sensitivity over 5 years), Simmons First National Corporation (SFNC) is the lower-risk stock at 1.
02β versus SouthState Corporation's 1. 02β — meaning SSB is approximately 0% more volatile than SFNC relative to the S&P 500. On balance sheet safety, SouthState Corporation (SSB) carries a lower debt/equity ratio of 15% versus 19% for Simmons First National Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — SSB or SFNC?
By revenue growth (latest reported year), SouthState Corporation (SSB) is pulling ahead at 57.
0% versus -56. 7% for Simmons First National Corporation (SFNC). On earnings-per-share growth, the picture is similar: SouthState Corporation grew EPS 12. 8% year-over-year, compared to -343. 8% for Simmons First National Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — SSB or SFNC?
SouthState Corporation (SSB) is the more profitable company, earning 21.
3% net margin versus -63. 4% for Simmons First National Corporation — meaning it keeps 21. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SSB leads at 27. 9% versus -84. 2% for SFNC. At the gross margin level — before operating expenses — SSB leads at 68. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is SSB or SFNC more undervalued right now?
On forward earnings alone, SouthState Corporation (SSB) trades at 10.
3x forward P/E versus 10. 3x for Simmons First National Corporation — 0. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SSB: 21. 3% to $118. 20.
08Which pays a better dividend — SSB or SFNC?
All stocks in this comparison pay dividends.
Simmons First National Corporation (SFNC) offers the highest yield at 4. 0%, versus 2. 4% for SouthState Corporation (SSB).
09Is SSB or SFNC better for a retirement portfolio?
For long-horizon retirement investors, SouthState Corporation (SSB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.
02), 2. 4% yield). Both have compounded well over 10 years (SSB: +67. 9%, SFNC: +25. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between SSB and SFNC?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: SSB is a small-cap high-growth stock; SFNC is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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