RJF vs SSB
Raymond James Financial vs South State Bank — AI-powered side-by-side comparison
RJF
Raymond James Financial
59
Buy
VS
SSB
South State Bank
71
Buy
| Metric | RJF | SSB |
|---|
| AI Score |
59
|
71
|
| Price |
$176.55
|
$108.13
|
| P/E Ratio |
15.10×
|
11.29×
|
| ROE |
17.1%
|
8.8%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
83.5%
|
66.5%
|
| Debt / Equity |
0.42×
|
0.17×
|
| Dividend Yield |
1.2%
|
2.3%
|
| RSI (14) |
57.0
|
64.6
|
| Beta |
0.939
|
0.696
|
| Expected Upside |
+0.6%
|
+0.3%
|
AI Committee View
Current Innellis committee reasoning for RJF versus SSB.
SSB leads by 12 points.
SSB scores 71/100 (Buy) versus RJF at 59/100 (Buy).
RJF Committee View
67% agreement
6 analysts
The primary driver is market regime is bullish (bull market -- normal position sizing). The main limiting factor is high leverage (debt-to-equity 5.14) amplifies downside in a stress scenario. The committee is constructive but not yet at full conviction.
Bull Case
- P/E of 14.7 is inexpensive for the broad market — Value
- ROE of 17.2% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- Debt-to-equity of 5.14 adds balance-sheet risk to the value case — Value
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 5.14) amplifies downside in a stress scenario — Risk
SSB Committee View
100% agreement
4 analysts
The primary driver is 5 consecutive earnings beats -- consistent execution. The main limiting factor is 4 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Risk/reward is unfavorable: 15.2% downside vs 0.3% upside.