South State Bank
SSB Β· Regional Banks
$105.51
0.3%Wintrust Financial
WTFC Β· Regional Banks
$150.77
0.7%The short version
- Wintrust Financial is the larger business, with $2.7B of revenue in fiscal 2025 against $2.7B for South State Bank.
- South State Bank grew revenue faster (56.1%, against 11.2%).
- Investors pay more for each dollar of Wintrust Financialβs earnings: a P/E of 12.1x against 11.1x for South State Bank.
| Latest fiscal year | SSB Β· FY25 | WTFC Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.7B | $10.2B |
| Revenue | $2.7B | $2.7B |
| Free cash flow | β | β |
| Net income | $799M | $824M |
| Growth | ||
| Revenue growth | 56.1% | 11.2% |
| 5-year growth | 18.7% | 10.6% |
| Share count change | 32.2% | 4.9% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 29.8% | 30.2% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 10.7% | 12.1% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $467M | $169M |
| Valuation & quality | ||
| P/E | 11.1x | 12.1x |
| Piotroski F-score | β | β |
FY16
SSB $446M
WTFC $1.0B
FY17
SSB $549M
WTFC $1.2B
FY18
SSB $659M
WTFC $1.3B
FY19
SSB $648M
WTFC $1.5B
FY20
SSB $1.1B
WTFC $1.6B
FY21
SSB $1.4B
WTFC $1.7B
FY22
SSB $1.6B
WTFC $2.0B
FY23
SSB $1.7B
WTFC $2.3B
FY24
SSB $1.7B
WTFC $2.5B
FY25
SSB $2.7B
WTFC $2.7B
SSB
WTFC
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FY18
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FY21
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FY22
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FY23
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FY25
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FY16
SSB β
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SSB β
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SSB β
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FY21
SSB β
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FY22
SSB β
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SSB β
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FY25
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SSB
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SSB β
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FY17
SSB β
WTFC β
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SSB β
WTFC β
FY20
SSB β
WTFC β
FY21
SSB β
WTFC β
FY22
SSB β
WTFC β
FY23
SSB β
WTFC β
FY24
SSB β
WTFC β
FY25
SSB β
WTFC β
SSB
WTFC
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.