SSBI vs FIS

For growth investors, Fidelity National Information Services, Inc.

(FIS) is the stronger pick with 5. 4% revenue growth year-over-year, versus -5. 2% for Summit State Bank (SSBI). Summit State Bank (SSBI) offers the better valuation at 13. 3x trailing P/E, making it the more compelling value choice. Analysts rate Fidelity National Information Services, Inc. (FIS) a "Buy" — based on 37 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.

On trailing P/E, Summit State Bank (SSBI) is the cheapest at 13.

3x versus Fidelity National Information Services, Inc. at 52. 3x.

Over the past 5 years, Summit State Bank (SSBI) delivered a total return of +10.

5%, compared to -67. 3% for Fidelity National Information Services, Inc. (FIS). Over 10 years, the gap is even starker: SSBI returned +73. 1% versus FIS's -25. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Summit State Bank (SSBI) is the lower-risk stock at -0.

03β versus Fidelity National Information Services, Inc. 's 0. 61β — meaning FIS is approximately -2085% more volatile than SSBI relative to the S&P 500. On balance sheet safety, Summit State Bank (SSBI) carries a lower debt/equity ratio of 6% versus 29% for Fidelity National Information Services, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Fidelity National Information Services, Inc.

(FIS) is pulling ahead at 5. 4% versus -5. 2% for Summit State Bank (SSBI). On earnings-per-share growth, the picture is similar: Summit State Bank grew EPS 262. 9% year-over-year, compared to -47. 2% for Fidelity National Information Services, Inc.. 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.

Summit State Bank (SSBI) is the more profitable company, earning 11.

6% net margin versus 3. 6% for Fidelity National Information Services, Inc. — meaning it keeps 11. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FIS leads at 16. 5% versus 15. 2% for SSBI. At the gross margin level — before operating expenses — SSBI leads at 55. 8%, 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.

In this comparison, FIS (4.

2% yield) pays a dividend. SSBI does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Summit State Bank (SSBI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.

03)). Both have compounded well over 10 years (SSBI: +73. 1%, FIS: -25. 6%), 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.

These companies operate in different sectors (SSBI (Financial Services) and FIS (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: SSBI is a small-cap deep-value stock; FIS is a mid-cap income-oriented stock. FIS pays a dividend while SSBI does not, making them suitable for different income and tax situations. 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.