South State Bank vs UMB Financial
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The short version
- South State Bank is the larger business, with $2.7B of revenue in fiscal 2025 against $2.7B for UMB Financial.
- UMB Financial grew revenue faster (62.8%, against 56.1%).
- Investors pay more for each dollar of UMB Financialβs earnings: a P/E of 11.3x against 11.1x for South State Bank.
| Latest fiscal year | SSB Β· FY25 | UMBF Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $10.7B | $10.0B |
| Revenue | $2.7B | $2.7B |
| Free cash flow | β | β |
| Net income | $799M | $702M |
| Growth | ||
| Revenue growth | 56.1% | 62.8% |
| 5-year growth | 18.7% | 15.5% |
| Share count change | 32.2% | 50.2% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 29.8% | 26.5% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 10.7% | 12.6% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $467M | $153M |
| Valuation & quality | ||
| P/E | 11.1x | 11.3x |
| Piotroski F-score | β | β |
Revenue
FY16
SSB $446M
UMBF $898M
FY17
SSB $549M
UMBF $983M
FY18
SSB $659M
UMBF $1.0B
FY19
SSB $648M
UMBF $1.1B
FY20
SSB $1.1B
UMBF $1.3B
FY21
SSB $1.4B
UMBF $1.3B
FY22
SSB $1.6B
UMBF $1.5B
FY23
SSB $1.7B
UMBF $1.5B
FY24
SSB $1.7B
UMBF $1.6B
FY25
SSB $2.7B
UMBF $2.7B
SSB
UMBF
Operating margin
FY16
SSB β
UMBF β
FY17
SSB β
UMBF β
FY18
SSB β
UMBF β
FY19
SSB β
UMBF β
FY20
SSB β
UMBF β
FY21
SSB β
UMBF β
FY22
SSB β
UMBF β
FY23
SSB β
UMBF β
FY24
SSB β
UMBF β
FY25
SSB β
UMBF β
SSB
UMBF
Free cash flow
FY16
SSB β
UMBF β
FY17
SSB β
UMBF β
FY18
SSB β
UMBF β
FY19
SSB β
UMBF β
FY20
SSB β
UMBF β
FY21
SSB β
UMBF β
FY22
SSB β
UMBF β
FY23
SSB β
UMBF β
FY24
SSB β
UMBF β
FY25
SSB β
UMBF β
SSB
UMBF
Return on capital
FY16
SSB β
UMBF β
FY17
SSB β
UMBF β
FY18
SSB β
UMBF β
FY19
SSB β
UMBF β
FY20
SSB β
UMBF β
FY21
SSB β
UMBF β
FY22
SSB β
UMBF β
FY23
SSB β
UMBF β
FY24
SSB β
UMBF β
FY25
SSB β
UMBF β
SSB
UMBF
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.