SRBK vs SSB

SR Bancorp, Inc. vs SouthState Bank Corporation — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — SRBK scores higher on quality with 8.1/10 vs SSB's 7.9/10. SRBK trades at $18.82 while SSB trades at $94.16. Both analyzed daily using SEC EDGAR data across 13 institutional models.

SRBK

Banks - Regional
SR Bancorp, Inc.
Quality
8.1
out of 10
Value Trap
Price
$18.82
Last close
Models
11/13
Active
VS

SSB

Banks - Regional
SouthState Bank Corporation
Quality
7.9
out of 10
Value Trap
20
SAFE
Price
$94.16
Last close
Models
12/13
Active
SRBK
Quality Score 8.1/10 — top tier
Limited to 2/13 visible models
SSB
Earnings Power Value sees +27.8% upside
Limited to 2/13 visible models

SRBK vs SSB — Fair Value Comparison

SRBK
$0$7$15$22 Price$18.82 Bayesian …$5.82 (-69.1%) Earnings …$12.65 (-32.8%)
SSB
$0$47$95$142 Price$94.16 Bayesian …$62.55 (-33.6%) Earnings …$120.35 (+27.8%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType SRBK Fair ValueSRBK Upside SSB Fair ValueSSB Upside
Bayesian DCF Intrinsic $5.82 -69.1% $62.55 -33.6%
Earnings Power Value Intrinsic $12.65 -32.8% $120.35 +27.8%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

SRBK vs SSB — Which Stock Is More Undervalued in 2026?

SRBK scores higher with a 8.1/10 quality rating vs SSB's 7.9/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do SRBK and SSB Valuations Compare?

At $18.82, SRBK trades +69.1% above its Bayesian DCF fair value of $5.82, while SSB at $94.16 trades +33.6% above its estimate of $62.55. SRBK shows a wider gap between price and intrinsic value.

Quality of Company: SRBK vs SSB

SRBK earns a Quality of Company score of 8.1/10 compared to SSB's 7.9/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: SRBK vs SSB

Review the value trap analysis for both SRBK and SSB to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both SRBK and SSB operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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