SouthState Bank (SSB) vs Wintrust Financial (WTFC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Wintrust Financial (WTFC) has outperformed SouthState Bank (SSB) over the past year, gaining 8.2% versus a loss of 1.0%. Over five years, WTFC leads with a +69.7% price change compared with +27.8% for SSB. Wintrust Financial is the larger company by market cap ($9.61 billion vs $9.59 billion), about 1.0 times the size, while SouthState Bank is growing revenue faster (+56.1% vs +5.9%).
On valuation, SouthState Bank trades at a lower forward P/E (9.5x vs 10.3x for Wintrust Financial). SouthState Bank offers the higher dividend yield (2.43% vs 1.47%). Wintrust Financial converts more of its revenue into profit, with a net margin of 310.1% versus 29.8%.
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 | WTFC |
|---|---|---|
| Share price | $98.91 | $142.49 |
| Market cap | $9.59B | $9.61B |
| 1-day change | -2.02% | -1.69% |
| YTD return | +5.22% | +1.91% |
| 1-year return | -0.98% | +8.22% |
| 5-year return | +27.76% | +69.67% |
| P/E ratio (TTM) | 10.39 | 11.44 |
| Forward P/E | 9.52 | 10.30 |
| EPS (TTM) | $9.52 | $12.45 |
| Dividend yield | 2.43% | 1.47% |
| Annual dividend | $2.40 | $2.10 |
| Revenue (latest FY) | $2.68B | $265.63M |
| Revenue growth (YoY) | +56.08% | +5.94% |
| Net income (latest FY) | $798.67M | $823.84M |
| Net margin | 29.79% | 310.14% |
| 52-week high | $112.20 | $167.22 |
| 52-week low | $84.48 | $119.61 |
| Distance from 52-week high | -11.84% | -14.79% |
| Analyst consensus | buy | buy |
| Avg. price target upside | +20.31% | +23.66% |
| Average volume | 755.99K | 562.05K |
| Shares outstanding | 96.97M | 67.46M |
| Employees | 6,431 | 5,902 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
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
- Wintrust Financial is more profitable, keeping 310.1 cents of every revenue dollar as net income versus 29.8 cents for SouthState Bank.
- SouthState Bank grew revenue faster in its latest fiscal year (+56.08% vs +5.94%).
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 Wintrust Financial
WTFC stock →Wintrust Financial Corporation, a financial holding company, provides community-oriented, personal, and commercial banking services in the United States. It operates through three segments: Community Banking, Specialty Finance, and Wealth Management.
Finance · Major Banks · 5,902 employees
SSB vs WTFC FAQ
Which is bigger, SouthState Bank or Wintrust Financial?
Wintrust Financial (WTFC) is larger, with a market capitalization of $9.61B compared with $9.59B for SouthState Bank (SSB).
Which stock has performed better over the past year, SSB or WTFC?
WTFC returned +8.22% over the past 12 months, compared with -0.98% for SSB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SSB or WTFC?
SSB has the lower trailing P/E at 10.4, versus 11.4 for WTFC. 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 Wintrust Financial?
SouthState Bank has the higher yield at 2.43%, compared with 1.47% for Wintrust Financial.
Are SouthState Bank and Wintrust Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.