U.S.A Bank (OTCMKTS:USBK – Get Free Report) and SouthState (NASDAQ:SSB – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, institutional ownership, profitability and earnings.
Insider and Institutional Ownership
89.8% of SouthState shares are owned by institutional investors. 1.7% of SouthState shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Analyst Recommendations
This is a summary of recent recommendations and price targets for U.S.A Bank and SouthState, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| U.S.A Bank | 0 | 0 | 0 | 0 | N/A |
| SouthState | 0 | 4 | 1 | 0 | 2.20 |
SouthState has a consensus price target of $87.80, indicating a potential upside of 11.55%. Given SouthState’s higher possible upside, analysts plainly believe SouthState is more favorable than U.S.A Bank.
Valuation and Earnings
This table compares U.S.A Bank and SouthState’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| U.S.A Bank | N/A | N/A | N/A | N/A | N/A |
| SouthState | $2.23 billion | 2.69 | $494.31 million | $6.46 | 12.18 |
SouthState has higher revenue and earnings than U.S.A Bank.
Risk & Volatility
U.S.A Bank has a beta of -24.99, suggesting that its share price is 2,599% less volatile than the S&P 500. Comparatively, SouthState has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500.
Profitability
This table compares U.S.A Bank and SouthState’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| U.S.A Bank | N/A | N/A | N/A |
| SouthState | 22.15% | 9.85% | 1.17% |
Summary
SouthState beats U.S.A Bank on 9 of the 9 factors compared between the two stocks.
About U.S.A Bank
As of July 10, 2010, U.S.A Bank was acquired by Customers Bank (Phoenixville, Pennsylvania). U.S.A Bank operates as a community bank in New York. It offers deposit products, Internet banking, ATM cards, consumer loans, and residential and commercial loans. U.S.A Bank was founded in 2005 and is based in Port Chester, New York.
About SouthState
SouthState Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and products to individuals and companies. It offers checking accounts, savings deposits, interest-bearing transaction accounts, certificates of deposits, money market accounts, and other time deposits, as well as bond accounting, asset/liability consulting related activities, and other clearing and corporate checking account services. The company also offers commercial real estate loans, residential real estate loans, commercial, and industrial loans, as well as consumer loans, including auto, boat, and personal installment, as well as business, agriculture, real estate-secured (mortgage), home improvement, and manufactured housing loans. In addition, it provides debit card, mobile services, funds transfer products and services, and treasury management services comprising merchant, automated clearing house, lock-box, remote deposit capture, and other treasury services, as well as asset and wealth management, and other fiduciary and private banking services. Further, the company offers safe deposit boxes, bank money orders, wire transfer, brokerage services, and alternative investment products, including annuities, mutual funds, and trust management services; and credit cards, letters of credit, and home equity lines of credit. The company also serves its customers through online, mobile, and telephone banking platforms. The company was formerly known as First Financial Holdings, Inc. and changed its name to SouthState Corporation in July 2013. SouthState Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.
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