COMP <GO>
UMBF vs SSB // FORWARD P/E MULTIPLE
UMB Financial Corporation (NASDAQ) VS. SouthState Bank Corporation (NYSE) • 15-METRIC TALLY: UMBF 3
— SSB 9
▲ FORWARD P/E MULTIPLE LEADER: SSB
LAST: $136.16 (+2.89%) • MKT CAP: $10.34B
forward-pe
13.7x
LAST: $106.10 (+1.10%) • MKT CAP: $10.29B
forward-pe
10.8x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (UMBF VS. SSB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | UMBF | SSB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.50% | 3.00% | -0.50 | SSB | /roic <GO> |
| EV/EBITDA & P/E Valuation | 33.4x | 25.8x | +7.60 | SSB | /valuation <GO> |
| Free Cash Flow Yield | 9.46% | 2.24% | +7.22 | UMBF | /fcf-yield <GO> |
| Operating Margin | 29.60% | 33.80% | -4.20 | SSB | /operating-margins <GO> |
| Net Profit Margin | 24.30% | 27.70% | -3.40 | SSB | /net-margins <GO> |
| Revenue Growth (YoY) | 7.70% | 23.10% | -15.40 | SSB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.31% | 2.25% | -0.94 | SSB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | UMBF | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 55.7 | 61.1 | -5.40 | SSB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.02 | 1.04 | -0.02 | SSB | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 13.7x | 10.8x | +2.90 | SSB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.34B | $10.29B | $52.4M | UMBF | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | UMBF REV | SSB REV | UMBF GROSS % | SSB GROSS % | UMBF FCF | SSB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $978.1M | $230.6M |
| FY 2024 | $0 | $0 | — | — | $205.3M | $476.2M |
| FY 2023 | $0 | $0 | — | — | $472.6M | $546.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
UMBF // BETA 1.02
SSB // BETA 1.04