COMP <GO>
SSB vs UMBF // RETURN ON INVESTED CAPITAL (ROIC)
SouthState Bank Corporation (NYSE) VS. UMB Financial Corporation (NASDAQ) • 15-METRIC TALLY: SSB 9
— UMBF 3
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: SSB
LAST: $107.01 (+1.75%) • MKT CAP: $10.35B
roic
3.00%
LAST: $137.46 (+2.22%) • MKT CAP: $10.44B
roic
2.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SSB VS. UMBF)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SSB | UMBF | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 3.00% | 2.50% | +0.50 | SSB | /roic <GO> |
| EV/EBITDA & P/E Valuation | 25.8x | 33.4x | -7.60 | SSB | /valuation <GO> |
| Free Cash Flow Yield | 2.24% | 9.46% | -7.22 | UMBF | /fcf-yield <GO> |
| Operating Margin | 33.80% | 29.60% | +4.20 | SSB | /operating-margins <GO> |
| Net Profit Margin | 27.70% | 24.30% | +3.40 | SSB | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 7.70% | +15.40 | SSB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.25% | 1.31% | +0.94 | SSB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 8/9 | -1.00 | UMBF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.6 | 57.8 | +4.80 | SSB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.04 | 1.02 | +0.02 | SSB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | 13.7x | -2.90 | SSB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.35B | $10.44B | -$94.6M | UMBF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SSB REV | UMBF REV | SSB GROSS % | UMBF GROSS % | SSB FCF | UMBF FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.64B | $2.32B | — | — | $230.6M | $978.1M |
| FY 2024 | $1.77B | $1.46B | — | — | $476.2M | $205.3M |
| FY 2023 | $1.63B | $1.16B | — | — | $546.8M | $472.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SSB // BETA 1.04
UMBF // BETA 1.02