Southern State (NASDAQ: SSB – Get a rating) and PCB Bancorp (NASDAQ: PCB – Get a rating) are both finance companies, but which company is better? We’ll compare the two companies based on earnings strength, analyst recommendations, dividends, institutional ownership, valuation, profitability and risk.
Profitability
This table compares the net margins, return on equity and return on assets of SouthState and PCB Bancorp.
| Net margins | Return on equity | return on assets | |
| southern state | 30.19% | 10.33% | 1.19% |
| BPC Bancorp | 40.19% | 16.65% | 1.96% |
Analyst Notes
This is a summary of recent recommendations and price targets for SouthState and PCB Bancorp, as provided by MarketBeat.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| southern state | 0 | 1 | 2 | 0 | 2.67 |
| BPC Bancorp | 0 | 1 | 0 | 0 | 2.00 |
SouthState currently has a consensus price target of $84.93, indicating a potential upside of 13.79%. PCB Bancorp has a consensus price target of $24.00, indicating a potential upside of 20.91%. Given PCB Bancorp’s higher possible upside, analysts clearly believe that PCB Bancorp is more favorable than SouthState.
Volatility and risk
SouthState has a beta of 0.81, which means its stock price is 19% less volatile than the S&P 500. In comparison, PCB Bancorp has a beta of 0.77, which means its stock price is 23% less volatile than the S&P 500.
Institutional and insider ownership
86.2% of SouthState shares are held by institutional investors. By comparison, 37.9% of PCB Bancorp’s shares are held by institutional investors. 1.9% of SouthState stock is held by insiders of the company. By comparison, 24.1% of PCB Bancorp’s shares are held by insiders of the company. Strong institutional ownership indicates that large fund managers, endowments, and hedge funds believe a stock is poised for long-term growth.
Valuation and benefits
This chart compares gross revenue, earnings per share (EPS), and valuation of SouthState and PCB Bancorp.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| southern state | $1.44 billion | 3.91 | $475.54 million | $6.04 | 12.36 |
| BPC Bancorp | $99.91 million | 2.97 | $40.10 million | $2.74 | 7.24 |
SouthState has higher revenues and profits than PCB Bancorp. PCB Bancorp trades at a lower price-to-earnings ratio than SouthState, indicating that it is currently the more affordable of the two stocks.
Dividends
SouthState pays an annual dividend of $1.96 per share and has a dividend yield of 2.6%. PCB Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.0%. SouthState pays 32.5% of its profits as a dividend. PCB Bancorp pays 21.9% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. SouthState has increased its dividend for 10 consecutive years and PCB Bancorp has increased its dividend for 4 consecutive years. PCB Bancorp is clearly the best dividend stock, given its higher yield and lower payout ratio.
Summary
SouthState beats PCB Bancorp on 10 of 17 factors compared between the two stocks.
SouthState Company Profile (Get a rating)
SouthState Corporation operates as a bank holding company for SouthState Bank, a National Association which provides a range of personal and business banking services and products. It accepts checking accounts, savings deposits, interest-bearing transaction accounts, certificates of deposit, money market accounts, and other term deposits. The company also offers commercial real estate loans, residential real estate loans, commercial and industrial loans, and consumer loans, including auto, boat and personal installment loans. In addition, it provides debit cards, mobile and money transfer products, as well as cash management services including merchant, automated clearing house, safe deposit box, remote deposit capture and cash management services. other treasury services. In addition, the Company offers safe deposit boxes, money orders, electronic transfers, brokerage services and alternative investment products, including annuities, mutual funds and trust and investment management services. assets ; and credit cards, letters of credit and home equity lines of credit. As of December 31, 2021, it served customers at 281 branches in Florida, South Carolina, Alabama, Georgia, North Carolina and Virginia. SouthState Corporation 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.
Bancorp PCB Company Profile (Get a rating)
PCB Bancorp operates as a bank holding company for Pacific City Bank which provides various banking products and services to small and medium businesses, individuals and professionals in Southern California. The company offers demand, savings, money market and term deposits, as well as certificates of deposit; and remote deposit capture, courier deposit services, positive pay services, zero balance accounts and transfer accounts. It also offers home loans, including commercial and residential loans, Small Business Administration (SBA) property and construction loans; commercial and industrial loans, such as commercial term loans and lines of credit, SBA commercial term loans and SBA Paycheck Protection Program loans; and other consumer loans including secured auto loans and personal loans. In addition, the Company offers access to account balances, online transfers, online bill payment and electronic delivery of customer account statements; and mobile banking solutions that include remote check deposit and mobile bill payment. Additionally, it provides ATMs; and banking by telephone, mail, personal appointment, debit cards, direct deposit and cashier’s checks, as well as cash management, wire transfers and automated clearing house services. The company operates through a network of 11 full-service branches in Los Angeles and Orange Counties, California; and a full-service branch in Englewood Cliffs, New Jersey, and Bayside, New York. It also operates 10 loan production offices in Irvine, Artesia and Los Angeles, California; Annandale, Virginia; Atlanta, Georgia; Chicago, Ill.; Bellevue, Wash.; Aurora, Colorado; Carrollton, Texas; and New York, New York. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.
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