COMP <GO>
SSB vs CFR // 10Y YIELD & FRED MACRO BETA
SouthState Bank Corporation (NYSE) VS. Cullen/Frost Bankers Inc. (NYSE) • 15-METRIC TALLY: SSB 7
— CFR 4
▲ 10Y YIELD & FRED MACRO BETA LEADER: SSB
LAST: $107.01 (+1.75%) • MKT CAP: $10.20B
macro-sensitivity
1.04
LAST: $160.30 (+1.71%) • MKT CAP: $9.80B
macro-sensitivity
0.93
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SSB VS. CFR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SSB | CFR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.00% | 3.40% | -0.40 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 25.8x | 26.0x | -0.20 | SSB | /valuation <GO> |
| Free Cash Flow Yield | 2.24% | 1.30% | +0.94 | SSB | /fcf-yield <GO> |
| Operating Margin | 33.80% | 75.00% | -41.20 | CFR | /operating-margins <GO> |
| Net Profit Margin | 27.70% | 68.00% | -40.30 | CFR | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 14.40% | +8.70 | SSB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.25% | 2.60% | -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 | 56.1 | 54.0 | +2.10 | SSB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 1.04 | 0.93 | +0.11 | SSB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | 12.7x | -1.90 | SSB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.20B | $9.80B | $399.2M | SSB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SSB REV | CFR REV | SSB GROSS % | CFR GROSS % | SSB FCF | CFR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.64B | $121.6M | — | — | $230.6M | $127.3M |
| FY 2024 | $1.77B | $106.2M | — | — | $476.2M | $861.8M |
| FY 2023 | $1.63B | $93.5M | — | — | $546.8M | $474.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SSB // BETA 1.04
CFR // BETA 0.93