SSB vs UNM
South State Bank vs Unum — AI-powered side-by-side comparison
SSB
South State Bank
67
Buy
VS
| Metric | SSB | UNM |
|---|
| AI Score |
67
|
51
|
| Price |
$106.13
|
$89.69
|
| P/E Ratio |
11.16×
|
20.86×
|
| ROE |
8.8%
|
6.6%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
66.5%
|
35.7%
|
| Debt / Equity |
0.17×
|
0.35×
|
| Dividend Yield |
2.3%
|
2.1%
|
| RSI (14) |
41.3
|
50.1
|
| Beta |
0.713
|
0.256
|
| Expected Upside |
+1.5%
|
+4.2%
|
AI Committee View
Current Innellis committee reasoning for SSB versus UNM.
SSB leads by 16 points.
SSB scores 67/100 (Buy) versus UNM at 51/100 (Watch).
SSB Committee View
75% agreement
4 analysts
The primary driver is 5 consecutive earnings beats -- consistent execution. Most analysts agree, and no major concerns are blocking a stronger rating.
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
- MACD histogram negative -- bearish momentum — Technical
UNM Committee View
50% agreement
4 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical