SouthState Bank (SSB) vs UMB Financial (UMBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
UMB Financial (UMBF) has outperformed SouthState Bank (SSB) over the past year, gaining 8.3% versus a loss of 1.1%. Over five years, UMBF leads with a +28.4% price change compared with +27.8% for SSB. UMB Financial is the larger company by market cap ($9.74 billion vs $9.59 billion), about 1.0 times the size.
On valuation, UMB Financial trades at a lower forward P/E (9.2x vs 9.5x for SouthState Bank). SouthState Bank offers the higher dividend yield (2.43% vs 1.32%). SouthState Bank converts more of its revenue into profit, with a net margin of 29.8% versus 26.5%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | SSB | UMBF |
|---|---|---|
| Share price | $98.91 | $128.21 |
| Market cap | $9.59B | $9.74B |
| 1-day change | -2.02% | -1.44% |
| YTD return | +5.10% | +11.45% |
| 1-year return | -1.10% | +8.29% |
| 5-year return | +27.76% | +28.44% |
| P/E ratio (TTM) | 10.60 | 10.67 |
| Forward P/E | 9.52 | 9.21 |
| EPS (TTM) | $9.33 | $12.02 |
| Dividend yield | 2.43% | 1.32% |
| Annual dividend | $2.40 | $1.69 |
| Revenue (latest FY) | $2.68B | $2.65B |
| Revenue growth (YoY) | +56.08% | +62.81% |
| Net income (latest FY) | $798.67M | $702.40M |
| Net margin | 29.79% | 26.48% |
| 52-week high | $112.20 | $153.32 |
| 52-week low | $84.48 | $103.38 |
| Distance from 52-week high | -11.84% | -16.38% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +20.31% | +28.74% |
| Average volume | 752.98K | 598.91K |
| Shares outstanding | 96.97M | 75.95M |
| Employees | 6,431 | 5,222 |
| Sector | Finance | Financial Services |
| Industry | Major Banks | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SouthState Bank offers a meaningfully higher dividend yield (2.43% vs 1.32%).
- UMB Financial grew revenue faster in its latest fiscal year (+62.81% vs +56.08%).
- The two companies sit in different sectors: SouthState Bank in Finance and UMB Financial in Financial Services.
About SouthState Bank
SSB stock →SouthState Bank Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and products to individuals and companies in the United States. The company offers checking accounts, savings accounts, money market accounts, and time deposit accounts; interest-bearing deposits, certificates of deposits, and other time deposits; and interest-bearing transaction accounts.
Finance · Major Banks · 6,431 employees
About UMB Financial
UMBF stock →UMB Financial Corporation operates as a bank holding company that provides banking services and asset servicing in the United States and internationally. The company operates through three segments: Commercial Banking, Institutional Banking, and Personal Banking.
Financial Services · Banks - Regional · 5,222 employees
SSB vs UMBF FAQ
Which is bigger, SouthState Bank or UMB Financial?
UMB Financial (UMBF) is larger, with a market capitalization of $9.74B compared with $9.59B for SouthState Bank (SSB).
Which stock has performed better over the past year, SSB or UMBF?
UMBF returned +8.29% over the past 12 months, compared with -1.10% for SSB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SSB or UMBF?
SSB has the lower trailing P/E at 10.6, versus 10.7 for UMBF. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, SouthState Bank or UMB Financial?
SouthState Bank has the higher yield at 2.43%, compared with 1.32% for UMB Financial.
Are SouthState Bank and UMB Financial in the same industry?
No. SouthState Bank is in the Finance sector, while UMB Financial is in Financial Services.