COMP <GO>
SSB vs ZION // ALTMAN Z-SCORE & DEBT/EQUITY
SouthState Bank Corporation (NYSE) VS. Zions Bancorporation N.A. (NASDAQ) • 15-METRIC TALLY: SSB 6
— ZION 5
■ METRIC PARITY
LAST: $107.01 (+1.75%) • MKT CAP: $10.20B
balance-sheet
—
LAST: $66.38 (+1.55%) • MKT CAP: $9.54B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SSB VS. ZION)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SSB | ZION | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 3.00% | 2.80% | +0.20 | SSB | /roic <GO> |
| EV/EBITDA & P/E Valuation | 25.8x | 27.7x | -1.90 | SSB | /valuation <GO> |
| Free Cash Flow Yield | 2.24% | 9.85% | -7.61 | ZION | /fcf-yield <GO> |
| Operating Margin | 33.80% | 75.00% | -41.20 | ZION | /operating-margins <GO> |
| Net Profit Margin | 27.70% | 68.00% | -40.30 | ZION | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 3.10% | +20.00 | SSB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.25% | 2.76% | -0.51 | ZION | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | 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 | 52.2 | +3.90 | SSB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.04 | 0.90 | +0.14 | SSB | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | 10.0x | +0.80 | ZION | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.20B | $9.54B | $657.8M | SSB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SSB REV | ZION REV | SSB GROSS % | ZION GROSS % | SSB FCF | ZION FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.64B | $529.0M | — | — | $230.6M | $952.0M |
| FY 2024 | $1.77B | $513.0M | — | — | $476.2M | $1.05B |
| FY 2023 | $1.63B | $503.0M | — | — | $546.8M | $862.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SSB // BETA 1.04
ZION // BETA 0.90