South State Corporation (SSB)’s Financial Results Comparing With Financial Institutions Inc. (NASDAQ:FISI)

South State Corporation (NASDAQ:SSB) and Financial Institutions Inc. (NASDAQ:FISI) have been rivals in the Regional – Mid-Atlantic Banks for quite some time. Below is a review of each business including various aspects such as profitability, analyst recommendations, risk, institutional ownership, dividends, earnings and valuation.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
South State Corporation 645.18M 3.71 178.87M 4.43 14.78
Financial Institutions Inc. 150.41M 3.06 38.06M 2.43 11.20

Table 1 highlights South State Corporation and Financial Institutions Inc.’s top-line revenue, earnings per share (EPS) and valuation. Financial Institutions Inc. seems to has lower revenue and earnings compared to South State Corporation. When business has higher price-to-earnings means it is more expensive than its counterpart presently. South State Corporation has been trading at a higher price-to-earnings ratio than Financial Institutions Inc., which means that it is at the moment the more expensive of the two companies.

Profitability

Table 2 provides South State Corporation and Financial Institutions Inc.’s return on assets, net margins and return on equity.

Net Margins Return on Equity Return on Assets
South State Corporation 27.72% 5.7% 0.9%
Financial Institutions Inc. 25.30% 11.3% 1%

Risk and Volatility

South State Corporation has a 1.07 beta, while its volatility is 7.00%, thus making it more volatile than Standard and Poor’s 500. Financial Institutions Inc.’s 0.99 beta is the reason why it is 1.00% less volatile than Standard and Poor’s 500.

Dividends

South State Corporation pays out $1.38 per share annually while its annual dividend yield is 2.06%. Financial Institutions Inc. has an annual dividend pay of $0.96 per share while its annual dividend yield is 3.34%.

Analyst Ratings

The following table given below contains the ratings and recommendations for South State Corporation and Financial Institutions Inc.

Sell Ratings Hold Ratings Buy Ratings Rating Score
South State Corporation 1 0 0 1.00
Financial Institutions Inc. 0 0 0 0.00

South State Corporation’s average price target is $57, while its potential downside is -14.87%.

Institutional and Insider Ownership

South State Corporation and Financial Institutions Inc. has shares owned by institutional investors as follows: 77.7% and 72.8%. Insiders owned 0.5% of South State Corporation shares. Comparatively, insiders own roughly 3.1% of Financial Institutions Inc.’s shares.

Performance

In this table we show the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
South State Corporation -9.72% -7.37% -19.17% -27.97% -25.89% -24.83%
Financial Institutions Inc. -9.41% -7.6% -16.67% -17.8% -16.92% -12.38%

For the past year South State Corporation’s stock price has bigger decline than Financial Institutions Inc.

Summary

South State Corporation beats on 13 of the 15 factors Financial Institutions Inc.