SSB
Price
$93.05
Change
-$1.07 (-1.14%)
Updated
Aug 6, 04:59 PM (EDT)
Capitalization
6.48B
77 days until earnings call
UMBF
Price
$110.00
Change
-$1.26 (-1.13%)
Updated
Aug 6, 04:59 PM (EDT)
Capitalization
4.12B
83 days until earnings call
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SSB vs UMBF

Header iconSSB vs UMBF Comparison
Open Charts SSB vs UMBFBanner chart's image
SouthState
Price$93.05
Change-$1.07 (-1.14%)
Volume$5.22K
Capitalization6.48B
UMB Financial
Price$110.00
Change-$1.26 (-1.13%)
Volume$47.38K
Capitalization4.12B
SSB vs UMBF Comparison Chart in %
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SSB
Daily Signalchanged days ago
Gain/Loss if bought
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UMBF
Daily Signalchanged days ago
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SSB vs. UMBF commentary
Aug 07, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SSB is a StrongBuy and UMBF is a Buy.

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COMPARISON
Comparison
Aug 07, 2025
Stock price -- (SSB: $94.12 vs. UMBF: $111.26)
Brand notoriety: SSB and UMBF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: SSB: 70% vs. UMBF: 198%
Market capitalization -- SSB: $6.48B vs. UMBF: $4.12B
SSB [@Regional Banks] is valued at $6.48B. UMBF’s [@Regional Banks] market capitalization is $4.12B. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.06B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

SSB’s FA Score shows that 2 FA rating(s) are green whileUMBF’s FA Score has 2 green FA rating(s).

  • SSB’s FA Score: 2 green, 3 red.
  • UMBF’s FA Score: 2 green, 3 red.
According to our system of comparison, UMBF is a better buy in the long-term than SSB.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

SSB’s TA Score shows that 5 TA indicator(s) are bullish while UMBF’s TA Score has 3 bullish TA indicator(s).

  • SSB’s TA Score: 5 bullish, 4 bearish.
  • UMBF’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, SSB is a better buy in the short-term than UMBF.

Price Growth

SSB (@Regional Banks) experienced а -3.07% price change this week, while UMBF (@Regional Banks) price change was +1.89% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.19%. For the same industry, the average monthly price growth was +0.20%, and the average quarterly price growth was +6.67%.

Reported Earning Dates

SSB is expected to report earnings on Oct 22, 2025.

UMBF is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Regional Banks (-0.19% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
SSB($6.48B) has a higher market cap than UMBF($4.12B). SSB has higher P/E ratio than UMBF: SSB (12.88) vs UMBF (11.78). UMBF YTD gains are higher at: -0.658 vs. SSB (-4.336). SSB has more cash in the bank: 515M vs. UMBF (447M). SSB has less debt than UMBF: SSB (482M) vs UMBF (1.38B). SSB has higher revenues than UMBF: SSB (1.7B) vs UMBF (1.33B).
SSBUMBFSSB / UMBF
Capitalization6.48B4.12B157%
EBITDAN/AN/A-
Gain YTD-4.336-0.658659%
P/E Ratio12.8811.78109%
Revenue1.7B1.33B128%
Total Cash515M447M115%
Total Debt482M1.38B35%
FUNDAMENTALS RATINGS
SSB vs UMBF: Fundamental Ratings
SSB
UMBF
OUTLOOK RATING
1..100
7216
VALUATION
overvalued / fair valued / undervalued
1..100
60
Fair valued
70
Overvalued
PROFIT vs RISK RATING
1..100
2332
SMR RATING
1..100
1011
PRICE GROWTH RATING
1..100
5851
P/E GROWTH RATING
1..100
5542
SEASONALITY SCORE
1..100
n/an/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

SSB's Valuation (60) in the Regional Banks industry is in the same range as UMBF (70). This means that SSB’s stock grew similarly to UMBF’s over the last 12 months.

SSB's Profit vs Risk Rating (23) in the Regional Banks industry is in the same range as UMBF (32). This means that SSB’s stock grew similarly to UMBF’s over the last 12 months.

SSB's SMR Rating (10) in the Regional Banks industry is in the same range as UMBF (11). This means that SSB’s stock grew similarly to UMBF’s over the last 12 months.

UMBF's Price Growth Rating (51) in the Regional Banks industry is in the same range as SSB (58). This means that UMBF’s stock grew similarly to SSB’s over the last 12 months.

UMBF's P/E Growth Rating (42) in the Regional Banks industry is in the same range as SSB (55). This means that UMBF’s stock grew similarly to SSB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
SSBUMBF
RSI
ODDS (%)
Bearish Trend 2 days ago
80%
Bearish Trend 2 days ago
63%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
69%
Bearish Trend 2 days ago
62%
Momentum
ODDS (%)
Bearish Trend 2 days ago
72%
Bullish Trend 2 days ago
63%
MACD
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
69%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
65%
Bullish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
63%
Bullish Trend 2 days ago
66%
Advances
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
63%
Declines
ODDS (%)
Bearish Trend 6 days ago
63%
Bearish Trend 6 days ago
64%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
76%
N/A
Aroon
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
67%
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SSB
Daily Signalchanged days ago
Gain/Loss if bought
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UMBF
Daily Signalchanged days ago
Gain/Loss if bought
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SSB and

Correlation & Price change

A.I.dvisor indicates that over the last year, SSB has been closely correlated with FNB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if SSB jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SSB
1D Price
Change %
SSB100%
+0.57%
FNB - SSB
91%
Closely correlated
+0.60%
UCB - SSB
91%
Closely correlated
-0.33%
FFIN - SSB
90%
Closely correlated
-0.20%
ONB - SSB
90%
Closely correlated
+0.58%
TRMK - SSB
90%
Closely correlated
+0.33%
More

UMBF and

Correlation & Price change

A.I.dvisor indicates that over the last year, UMBF has been closely correlated with HWC. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if UMBF jumps, then HWC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UMBF
1D Price
Change %
UMBF100%
+0.64%
HWC - UMBF
89%
Closely correlated
-0.14%
FNB - UMBF
89%
Closely correlated
+0.60%
SSB - UMBF
89%
Closely correlated
+0.57%
WTFC - UMBF
89%
Closely correlated
+0.78%
ONB - UMBF
88%
Closely correlated
+0.58%
More