SouthState vs Wintrust Financial

SouthState and Wintrust Financial are compared on this page to help you understand differences in business models, financial performance, and market context. The goal is to present neutral, accessible information so readers can evaluate strengths, similarities, and disclosures without making recommendations. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

SSB

Metric

WTFC

$9.74B

Market Cap

$9.69B

13.60%

Potential Profit

4.26%

Buy

Analyst Rating

Buy

Investment Analysis

SouthState

SSB

Pros

Reported strong earnings in 2025 with an EPS of 6.92 indicating solid profitability.
Maintains a low debt-to-equity ratio of 20.6%, suggesting a conservative capital structure.
Achieved a near 30% net profit margin, reflecting efficient cost management and revenue conversion.

Considerations

Less revenue growth visibility compared to competitors, with $2.32 billion TTM revenue offering moderate expansion prospects.
Lacks recent public guidance on future earnings, limiting investor clarity on growth trajectory.
Geographically concentrated, which may constrain diversification and expose it to regional economic risks.

Wintrust Financial

WTFC

Pros

Consistently beat earnings expectations in 2025, with Q3 EPS of $3.06 surpassing forecasts by over 16%.
Demonstrates strong loan growth at 11% year-to-date, supported by disciplined underwriting and pricing strategies.
Receives favourable analyst consensus with multiple buy ratings and average price targets signaling 18-19% upside.

Considerations

Growth is expected to slow in 2025 despite record 2024 performance, indicating potential near-term moderation.
Exposure to premium finance and leasing segments can increase sensitivity to economic or credit cycle shifts.
Stock price volatility has been notable post-earnings announcements which may heighten short-term risk.

About The Companies

SouthState (SSB)

South State Corp (SSB) is a US regional bank with a market capitalisation of about $9.57 billion. It provides commercial and consumer banking, mortgage lending, treasury management and wealth services, focusing on relationship-based banking for local businesses and households. Investors often watch regional banks like SSB for sensitivity to interest-rate movements, loan growth and credit quality, as net interest margins and loan-loss provisions can materially affect results. Capital adequacy, deposit trends and regulatory oversight are important for assessing resilience. As a mid-cap financial name, SSB may offer income through dividends and potential capital appreciation, but performance can be cyclical and affected by economic conditions. This summary is general information for educational purposes only and not personalised investment advice; investors should review up-to-date financials, regulatory filings and consult a professional to determine suitability for their aims and risk tolerance.

Wintrust Financial (WTFC)

Wintrust Financial Corporation is a financial holding company that delivers community-focused banking and other financial services. Primarily operating in the Chicago metropolitan area, southern Wisconsin, and nearby regions, Wintrust serves a diverse client base including individuals, small to medium-sized businesses, and local government units. The company is structured around three key segments: Community Banking, which provides personal and commercial banking services; Specialty Finance, which includes services like insurance premium financing and accounts receivable financing; and Wealth Management, offering a comprehensive suite of services to help clients manage their assets. This diversified model allows Wintrust to cater to a variety of financial needs within its target markets. As with any investment, it's important to remember that the value of shares can go down as well as up, and past performance is not a reliable indicator of future returns.

Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.

Published: July 26, 2025

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Which Baskets Do They Appear In?

Riding The Southeast Consolidation Wave

Published: July 26, 2025

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Comparison Snapshot