SSB
Price
$92.04
Change
-$0.18 (-0.20%)
Updated
Aug 11 closing price
Capitalization
9.32B
71 days until earnings call
UMBF
Price
$109.80
Change
-$0.38 (-0.34%)
Updated
Aug 11 closing price
Capitalization
8.34B
77 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$92.04
Change-$0.18 (-0.20%)
Volume$938.95K
Capitalization9.32B
UMB Financial
Price$109.80
Change-$0.38 (-0.34%)
Volume$322.18K
Capitalization8.34B
SSB vs UMBF Comparison Chart in %
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SSB
Daily Signalchanged days ago
Gain/Loss if bought
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UMBF
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SSB vs. UMBF commentary
Aug 12, 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 Hold and UMBF is a Hold.

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COMPARISON
Comparison
Aug 12, 2025
Stock price -- (SSB: $92.04 vs. UMBF: $109.80)
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: 74% vs. UMBF: 52%
Market capitalization -- SSB: $9.32B vs. UMBF: $8.34B
SSB [@Regional Banks] is valued at $9.32B. UMBF’s [@Regional Banks] market capitalization is $8.34B. The market cap for tickers in the [@Regional Banks] industry ranges from $174.83B to $0. The average market capitalization across the [@Regional Banks] industry is $7.75B.

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 1 green FA rating(s).

  • SSB’s FA Score: 2 green, 3 red.
  • UMBF’s FA Score: 1 green, 4 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 4 TA indicator(s) are bullish while UMBF’s TA Score has 3 bullish TA indicator(s).

  • SSB’s TA Score: 4 bullish, 5 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 -1.01% price change this week, while UMBF (@Regional Banks) price change was -0.68% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.75%. For the same industry, the average monthly price growth was +0.74%, and the average quarterly price growth was +7.88%.

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 (+0.75% 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($9.32B) has a higher market cap than UMBF($8.34B). SSB has higher P/E ratio than UMBF: SSB (13.68) vs UMBF (12.44). UMBF YTD gains are higher at: -1.962 vs. SSB (-5.835). UMBF has more cash in the bank: 917M vs. SSB (688M). UMBF has less debt than SSB: UMBF (439M) vs SSB (753M).
SSBUMBFSSB / UMBF
Capitalization9.32B8.34B112%
EBITDAN/AN/A-
Gain YTD-5.835-1.962297%
P/E Ratio13.6812.44110%
RevenueN/A1.9B-
Total Cash688M917M75%
Total Debt753M439M172%
FUNDAMENTALS RATINGS
SSB vs UMBF: Fundamental Ratings
SSB
UMBF
OUTLOOK RATING
1..100
6781
VALUATION
overvalued / fair valued / undervalued
1..100
51
Fair valued
55
Fair valued
PROFIT vs RISK RATING
1..100
2736
SMR RATING
1..100
1012
PRICE GROWTH RATING
1..100
5952
P/E GROWTH RATING
1..100
5347
SEASONALITY SCORE
1..100
n/a50

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 (51) in the Regional Banks industry is in the same range as UMBF (55). This means that SSB’s stock grew similarly to UMBF’s over the last 12 months.

SSB's Profit vs Risk Rating (27) in the Regional Banks industry is in the same range as UMBF (36). 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 (12). This means that SSB’s stock grew similarly to UMBF’s over the last 12 months.

UMBF's Price Growth Rating (52) in the Regional Banks industry is in the same range as SSB (59). This means that UMBF’s stock grew similarly to SSB’s over the last 12 months.

UMBF's P/E Growth Rating (47) in the Regional Banks industry is in the same range as SSB (53). 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 1 day ago
81%
Bearish Trend 1 day ago
51%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
74%
Bearish Trend 1 day ago
60%
Momentum
ODDS (%)
Bearish Trend 1 day ago
55%
Bullish Trend 1 day ago
64%
MACD
ODDS (%)
Bearish Trend 1 day ago
71%
Bearish Trend 1 day ago
69%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
65%
Bearish Trend 1 day ago
62%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
63%
Bearish Trend 1 day ago
65%
Advances
ODDS (%)
Bullish Trend 19 days ago
61%
Bullish Trend 14 days ago
63%
Declines
ODDS (%)
Bearish Trend 6 days ago
63%
Bearish Trend 6 days ago
64%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
76%
N/A
Aroon
ODDS (%)
Bullish Trend 1 day ago
65%
Bullish Trend 1 day ago
66%
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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 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%
-0.20%
FNB - SSB
91%
Closely correlated
-0.20%
UCB - SSB
90%
Closely correlated
-0.30%
TRMK - SSB
90%
Closely correlated
-0.27%
ONB - SSB
90%
Closely correlated
-0.82%
FFIN - SSB
90%
Closely correlated
-0.41%
More

UMBF and

Correlation & Price change

A.I.dvisor indicates that over the last year, UMBF has been closely correlated with FNB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if UMBF jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UMBF
1D Price
Change %
UMBF100%
-0.34%
FNB - UMBF
90%
Closely correlated
-0.20%
HWC - UMBF
90%
Closely correlated
-0.02%
WTFC - UMBF
89%
Closely correlated
-1.04%
SSB - UMBF
89%
Closely correlated
-0.20%
FULT - UMBF
89%
Closely correlated
+0.17%
More