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Cullen/Frost Bankers, Inc. (CFR) vs SouthState Bank Corporation (SSB)

Cullen/Frost Bankers, Inc. and SouthState Bank Corporation are both Banks Regional companies. Cullen/Frost Bankers, Inc. and SouthState Bank Corporation are of similar size ($9.8B and $9.6B). SouthState Bank Corporation trades at the lower P/E: 10.7× against 14.7×. SouthState Bank Corporation grew revenue faster over the last twelve months: 23.3% against 1.92%. SouthState Bank Corporation has the higher net margin (25.1% vs 22.9%) and the higher return on invested capital (10.5% vs 0.00%). Both pay a dividend; Cullen/Frost Bankers, Inc. yields more (2.62% vs 2.40%). Across the 19 metrics below, SouthState Bank Corporation leads on 15 and Cullen/Frost Bankers, Inc. on 4.

Valuation

Metric CFR SSB Banks Regional median
P/E 14.66 10.69 11.98
P/S 3.31 2.63 2.34
P/B 2.16 1.09 1.19
Price to free cash flow 17.84 9.85 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.82% 9.36% 8.23%
Free cash flow yield 5.61% 10.16% 9.08%

Profitability

Metric CFR SSB Banks Regional median
Gross margin 78.50% 71.82% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.90% 25.09% 18.66%
Free cash flow margin 18.54% 26.69% 21.11%
Return on equity 15.72% 10.60% 10.65%
Return on assets 1.27% 1.41% 1.13%
Return on invested capital 0.00% 10.48% 8.35%

Growth

Metric CFR SSB Banks Regional median
Revenue growth (TTM) 1.92% 23.34% 6.98%
EPS growth (last fiscal year) 11.84% 12.91% 18.88%
Revenue growth, 5-year CAGR 14.46% 25.20% 12.38%
Net income growth, 5-year CAGR 14.45% 45.94% 9.71%

Health

Metric CFR SSB Banks Regional median
Debt to equity 0.05 0.06 0.22
Current ratio 0.63 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFR SSB Banks Regional median
Dividend yield 2.62% 2.40% 2.57%
Payout ratio 0.38 0.26 0.30

Size

Metric CFR SSB Banks Regional median
Market cap 9.58b 9.82b 913.33m

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