SouthState Corporation (SSB)vsU.S. Bancorp (USB)
SSB
SouthState Corporation
$91.71
+0.70%
FINANCIAL SERVICES · Cap: $9.15B
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 931% more annual revenue ($26.35B vs $2.56B). SSB leads profitability with a 31.2% profit margin vs 28.7%. SSB appears more attractively valued with a PEG of 1.45. SSB earns a higher WallStSmart Score of 86/100 (A).
SSB
Exceptional Buy86
out of 100
Grade: A
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.8%
Fair Value
$368.32
Current Price
$91.71
$276.61 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 31 of every $100 in revenue as profit
Strong operational efficiency at 51.1%
Revenue surging 52.0% year-over-year
Earnings expanding 31.1% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SSB
The strongest argument for SSB centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 31.2% and operating margin at 51.1%. Revenue growth of 52.0% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : SSB
The primary concerns for SSB are Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
SSB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
SSB is growing revenue faster at 52.0% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
SSB scores higher overall (86/100 vs 75/100), backed by strong 31.2% margins and 52.0% revenue growth. USB offers better value entry with a 75.8% margin of safety. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
SouthState Corporation
FINANCIAL SERVICES · BANKS - REGIONAL · USA
South State Corporation is the banking holding company for South State Bank offering a range of banking products and services. The company is headquartered in Winter Haven, Florida.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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