COMP <GO>
CFR vs SSB // GROSS PROFIT MARGIN
Cullen/Frost Bankers Inc. (NYSE) VS. SouthState Bank Corporation (NYSE) • 15-METRIC TALLY: CFR 4
— SSB 7
■ METRIC PARITY
LAST: $157.85 (+0.54%) • MKT CAP: $9.81B
gross-margins
—
LAST: $106.10 (+1.10%) • MKT CAP: $10.29B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CFR VS. SSB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CFR | SSB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.40% | 3.00% | +0.40 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 26.0x | 25.8x | +0.20 | SSB | /valuation <GO> |
| Free Cash Flow Yield | 1.30% | 2.24% | -0.94 | SSB | /fcf-yield <GO> |
| Operating Margin | 75.00% | 33.80% | +41.20 | CFR | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.70% | +40.30 | CFR | /net-margins <GO> |
| Revenue Growth (YoY) | 14.40% | 23.10% | -8.70 | SSB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.60% | 2.25% | +0.35 | CFR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.0 | 61.1 | -6.10 | SSB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.93 | 1.04 | -0.11 | SSB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.7x | 10.8x | +1.90 | SSB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.81B | $10.29B | -$478.8M | SSB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CFR REV | SSB REV | CFR GROSS % | SSB GROSS % | CFR FCF | SSB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $121.6M | $0 | — | — | $127.3M | $230.6M |
| FY 2024 | $106.2M | $0 | — | — | $861.8M | $476.2M |
| FY 2023 | $93.5M | $0 | — | — | $474.6M | $546.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CFR // BETA 0.93
SSB // BETA 1.04