U.S.A Bank (OTCMKTS:USBK) and SouthState (NASDAQ:SSB) Head to Head Analysis

U.S.A Bank (OTCMKTS:USBK) and SouthState (NASDAQ:SSB) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their dividends, valuation, profitability, earnings, institutional ownership, analyst recommendations and risk.

Valuation & Earnings

This table compares U.S.A Bank and SouthState’s 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.

Analyst Recommendations

This is a breakdown of current ratings and price targets for U.S.A Bank and SouthState, as reported 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 target price of $87.80, indicating a potential upside of 11.55%. Given SouthState’s higher possible upside, analysts clearly believe SouthState is more favorable than U.S.A Bank.

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%

Volatility and Risk

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.

Insider and Institutional Ownership

89.8% of SouthState shares are held by institutional investors. 1.7% of SouthState shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

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.