Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Axos Financial, Inc. or SouthState Bank Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Axos Financial, Inc. and SouthState Bank Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Axos Financial, Inc. and SouthState Bank Corporation

Axos Financial, Inc., together with its subsidiaries, provides consumer and business banking products in the United States. It operates through two segments, Banking Business and Securities Business. The company offers various deposits products, including consumer and business checking, savings, and time deposits; and demand accounts, and money market accounts. It also provides residential single family, multifamily, and commercial mortgage loans; loans secured by commercial real estate properties; loans secured by commercial assets and non-bank lenders; auto and unsecured loans and other loans; and lender finance loans, asset-based loans, capital call facilities, equipment lending and leasing, retail and floor plan marine loans, and other consumer loans. In addition, the company offers a range of investment and wealth management services, such as disclosed clearing, recordkeeping, trade reporting, and reorganization assistance services, and securities clearing and custody, as well as margin loans and securities lending services; and retail self-directed and digital advice services. It offers it services through its digital online and mobile banking platforms, distribution channels, and affinity partners. The company was formerly known as BofI Holding, Inc. and changed its name to Axos Financial, Inc. in September 2018. Axos Financial, Inc. was incorporated in 1999 and is based in Las Vegas, Nevada.

SouthState Bank Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and products to individuals and companies in the United States. The company offers checking accounts, savings accounts, money market accounts, and time deposit accounts; interest-bearing deposits, certificates of deposits, and other time deposits; and interest-bearing transaction accounts. It provides bond accounting services for correspondents, asset/liability consulting related activities, international wires, and other clearing and corporate checking account services. In addition, the company offers commercial real estate, residential real estate, and commercial and industrial loans, as well as consumer loans, including auto, boat, and personal installment, as well as business, agriculture, real estate-secured (mortgage), home improvement, and manufactured housing loans. Further, it provides debit and credit card, mobile services, funds transfer products and services, and treasury management services comprising merchant, automated clearing house, lock-box, remote deposit capture, and other treasury services, as well as asset and wealth management, and other fiduciary and private banking services. Additionally, the company offers safe deposit boxes, bank money orders, wire transfer and ACH services, brokerage services, and alternative investment products, such as annuities and mutual funds, trust and asset management services; letters of credit and home equity lines of credit; and online, mobile, and telephone banking platforms. The company was formerly known as SouthState Corporation and changed its name to SouthState Bank Corporation in September 2025. SouthState Bank Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.

Latest Banks and Axos Financial, Inc., SouthState Bank Corporation Stock News

As of October 9, 2026, Axos Financial, Inc. had a $5.0 billion market capitalization, compared to the Banks median of $673.5 million. Axos Financial, Inc.’s stock is up 2.6% in 2026, down 0.6% in the previous five trading days and up 5.97% in the past year.

Currently, Axos Financial, Inc.’s price-earnings ratio is 10.4. Axos Financial, Inc.’s trailing 12-month revenue is $1.4 billion with a 35.5% net profit margin. Year-over-year quarterly sales growth most recently was 18.1%. Analysts expect adjusted earnings to reach $9.677 per share for the current fiscal year. Axos Financial, Inc. does not currently pay a dividend.

As of October 9, 2026, SouthState Bank Corporation had a $9.7 billion market cap, putting it in the 78th percentile of all stocks. SouthState Bank Corporation’s stock is up 6.5% in 2026, down 1.6% in the previous five trading days and up 0.7% in the past year.

Currently, SouthState Bank Corporation’s price-earnings ratio is 10.5. SouthState Bank Corporation’s trailing 12-month revenue is $2.7 billion with a 35.5% net profit margin. Year-over-year quarterly sales growth most recently was -0.1%. Analysts expect adjusted earnings to reach $9.484 per share for the current fiscal year. SouthState Bank Corporation currently has a 2.6% dividend yield.

How We Compare Axos Financial, Inc. and SouthState Bank Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Axos Financial, Inc. and SouthState Bank Corporation’s stock grades to see how they measure up against one another.

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Axos Financial, Inc. and SouthState Bank Corporation Growth Grades

Company	Ticker	Growth
Axos Financial, Inc.	AX	A
SouthState Bank Corporation	SSB	B

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Axos Financial, Inc. has a Growth Score of 89, which is Very Strong. SouthState Bank Corporation has a Growth Score of 69, which is Strong.

The Growth Grade Winner: Axos Financial, Inc.

As you can clearly see from the Growth Grade breakdown above, Axos Financial, Inc. has a more attractive growth grade than SouthState Bank Corporation. For investors who focus solely on how a company is growing relative to other companies in the same industry, Axos Financial, Inc. could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Axos Financial, Inc. and SouthState Bank Corporation’s Quality Grades

Company	Ticker	Quality
Axos Financial, Inc.	AX	F
SouthState Bank Corporation	SSB	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Axos Financial, Inc. has a Quality Score of 9, which is Very Weak. SouthState Bank Corporation has a Quality Score of 26, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Axos Financial, Inc. or SouthState Bank Corporation has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Axos Financial, Inc. or SouthState Bank Corporation is the better investment when it comes to quality.

Axos Financial, Inc. and SouthState Bank Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Axos Financial, Inc.	AX	C
SouthState Bank Corporation	SSB	C

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Axos Financial, Inc. has a Earnings Estimate Score of 54, which is Neutral. SouthState Bank Corporation has a Earnings Estimate Score of 58, which is Neutral.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Axos Financial, Inc. or SouthState Bank Corporation has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Axos Financial, Inc. or SouthState Bank Corporation is the better investment when it comes to estimate revisions.

Other Axos Financial, Inc. and SouthState Bank Corporation Grades

In addition to Quality, Growth and Estimate Revisions, A+ Investor also provides grades for Value and Momentum.

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Axos Financial, Inc. and SouthState Bank Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Axos Financial, Inc. or SouthState Bank Corporation Stock?

Overall, Axos Financial, Inc. stock has a Growth Score of 89, Estimate Revisions Score of 54 and Quality Score of 9.

SouthState Bank Corporation stock has a Growth Score of 69, Estimate Revisions Score of 58 and Quality Score of 26.

Comparing Axos Financial, Inc. and SouthState Bank Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.