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SouthState Bank Corporation SSB

Financial — Banks Regional
Dividend Aristocrat
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
6.29
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — 1 — — — 3 —
Insider Ownership
1.61%

Capital & Financial Ratios

Market Cap
10,050.00
Revenue
3,787.18
Net Income
950.21
Free Cash Flow
1,010.86
Net Debt
(1,955.10)
Current Ratio
0.94
Debt/Equity
0.06
P/E ratio
10.81
P/S ratio
2.66
P/B ratio
1.10
Past 5Y EPS Growth
5.39%
This Y EPS Growth
20.10%
Next Y EPS Growth
8.63%
Next 5Y EPS Growth
13.75%
in millions of $

Dividends

Payout Ratio
0.28
Annual Dividend Rate
2.08
Annual Dividend Yield
2.62%
total individual payouts
2028 ‡‡‡‡
2027 ‡‡‡‡
2026 2.48
—
—
—
2025 2.28
—
—
—
—
2024 2.12
—
—
—
—
2023 2.04
—
—
—
—
2022 1.98
—
—
—
—
2021 1.92
—
—
—
—
2020 1.88
—
—
—
—
2019 1.67
—
—
—
—
2018 1.38
—
—
—
—
2017 1.32
—
—
—
—
2016 1.53
—
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 1,030.20 1,495.00 3,282.67 2,541.41
Receivables — — — —
Inventory — — — —
Other — — — —
33,013.00 35,212.07 51,641.34 53,207.05
2023 2024 2025 Q'26
Payables 37,048.91 38,060.87 55,145.80 56,349.81
ST’ Debt — — — —
Other — — — —
37,289.93 38,315.59 55,457.17 56,632.99
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 916.93 934.99 — —
—
’25 894.65 927.32 980.77 954.50
3,757.24
’24 588.81 606.35 619.11 629.35
2,443.62
’23 521.76 555.27 573.36 580.92
2,231.31
’22 356.52 413.09 449.39 487.28
1,706.27
’21 374.76 346.56 358.46 359.27
1,439.06
’20 191.93 234.91 410.08 384.24
1,221.17
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 299.02 274.14 — —
—
’25 (126.26) 72.61 122.44 232.06
300.85
’24 277.66 126.82 (246.81) 354.29
511.96
’23 59.38 312.28 449.42 (274.32)
546.76
’22 578.77 387.69 610.06 154.37
1,730.89
’21 299.04 (50.40) 179.38 (12.32)
415.69
’20 41.08 28.79 286.24 180.84
536.94
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 287.21 281.62 — —
—
’25 323.73 55.41 192.50 249.53
821.17
’24 275.86 122.71 (251.64) 344.17
491.10
’23 53.87 311.04 439.04 (283.64)
520.30
’22 579.69 386.47 608.91 144.29
1,719.37
’21 301.01 (40.23) 178.74 (1.12)
438.40
’20 39.89 23.77 288.40 194.25
546.30
in millions of $

EPS

Mar Jun Sep Dec Year
’26 2.28 2.35 — —
—
’25 0.87 2.11 2.42 2.46
7.87
’24 1.50 1.73 1.86 1.87
6.97
’23 1.83 1.62 1.62 1.39
6.46
’22 1.39 1.57 1.75 1.88
6.60
’21 2.06 1.39 1.74 1.52
6.71
’20 0.71 (1.96) 1.34 1.21
2.19

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

1.4
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 72.26 59.51 70.68 77.74 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 93.34 87.77 114.27 109.64 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,921 5,070 4,986 6,190 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.35 0.44 0.49 0.61 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,706.27 2,231.31 2,443.62 3,757.24 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 96.40% 77.96% 70.29% 71.36% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 633.36 630.85 700.25 1,040.21 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 37.12% 28.27% 28.66% 27.69% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 496.05 494.31 534.78 798.67 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 91.89 78.96 76.04 173.04 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22.89 29.34 32.03 37.18 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡ 6.65 6.50 7.01 7.90 ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 23.22 7.19 6.71 2.98 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.15) (0.35) (0.27) 5.15 ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 23.06 6.84 6.44 8.13 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 68.07 72.76 77.20 89.66 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 74.55 76.05 76.30 101.04 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.45 13.10 14.17 11.88 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.32 2.90 3.11 2.53 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.12 1.17 1.29 1.05 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.00 2.82 2.81 1.88 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.97 12.11 13.99 8.58 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,730.89 546.76 511.96 300.85 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11.53) (26.45) (20.86) 520.32 — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,719.37 520.30 491.10 821.17 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (5,499.23) (4,276.93) (3,103.52) (3,815.83) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 786.60 348.16 260.19 306.84 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (557.23) (682.04) (1,234.81) (2,975.82) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,074.93 5,533.10 5,890.42 9,059.11 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.16% 1.11% 1.17% 1.41% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ 9.19% 8.13% 9.40% 10.69% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.04% 9.32% 9.36% 10.68% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

SouthState Corporation (SSB) has engineered explosive growth through savvy acquisitions, ballooning revenue 438% from $454 million in 2016 to $2.44 billion in 2024, with employee count up 143% and shares outstanding surging 218%—capped by the game-changing 2022 CenterState merger that doubled assets overnight. Revenue per share rose 69% and per employee 122%, showcasing operational leverage amid a consolidating sector, while EPS climbed 66% to $7.01 and ROE held steady at 9-10%, backed by robust FCF and a debt slash of 78%. Yet, this M&A blitz masks cracks: gross margins cratered 28 points to 70% on soaring funding costs, echoing pitfalls of past banking booms.

Valuation screams bargain—trading 6-21% below targets at 14-15x PE, 1.3x PB, and 14x EV/FCF—positioning SSB for 10-20% upside if EPS hits projected $10+ by 2027. Directors’ recent buys signal confidence, offsetting exec sells, with a fortress balance sheet (negative net debt, equity up 170%) offering recession buffers. But contrarians beware: volatile forecasts, CRE exposure, NIM squeezes from rate pivots, and deposit vulnerabilities akin to 2023 failures loom large in this procyclical arena.

Southeast stronghold or acquisition house of cards? SSB’s disciplined trajectory tempts, but integration risks and cyclical headwinds demand vigilance—monitor Q1 2026 for deposit flight or CRE bombshells. For patient contrarians, it’s a hold-to-buy with merger normalization potential.

Read full commentary →

SouthState Bank Corporation (SSB) Latest News

News by impact score

Fine-tune

8 Sep

3 , 11:35 AM
Carlyle's wealth management initiatives create opportunities for SouthState Bank Corporation to expand fee revenue streams. Carlyle wealth push provides SSB with new fee revenue avenues but does not alter core operations or market trajectory.

25 Aug

3 , 9:03 AM
SouthState Bank Corporation ranked third among largest U.S. banks in Bank Director's 2026 RankingBanking Study. Third-place ranking among major banks likely boosts investor sentiment without changing operational fundamentals.

17 Aug

3 , 10:07 AM
SouthState Bank Corporation establishes government contractor banking vertical and appoints industry veteran to lead the venture. New vertical expands niche market focus with moderate revenue growth potential but no fundamental business shift.

4 Aug

4 , 3:57 AM
SouthState Bank Corporation posted solid Q2 results driven by loan growth, deposit stability, and AI initiatives. Loan growth and AI adoption represent major strategic progress that can significantly shift SSB's performance trajectory.

1 Aug

3 , 7:07 AM
SouthState Bank Corporation's Q2 earnings call drew analyst questions on deposit trends, loan growth, net interest margin pressures, credit quality metrics, and expansion plans in key markets. Earnings call questions on deposits, margins, and credit quality can shape short-term investor views on SouthState's operational results.

24 Jul

4 transcript app.moby.co, 8:30 AM
SouthState Corporation reported Q2 2026 results in its earnings call, covering financial performance, loan growth, deposit trends, net interest margin, credit quality, and updated full-year guidance. Quarterly earnings, guidance, and balance-sheet metrics directly move valuation and investor positioning for SSB.

3 , 5:00 PM
SouthState Bank Corp posted strong Q2 2026 growth despite margin pressures. Earnings results with mixed growth and margin signals point to moderate effects on near-term performance and sentiment.

3 transcript www.marketbeat.com, 1:03 PM
SouthState Bank reported Q2 net income of $172 million and EPS of $2.27, up from prior year, driven by 12% loan growth and stable net interest margin. Deposits rose 8%, credit quality remained solid with low nonperforming assets. Management noted continued expansion in Southeast markets and integration progress from prior acquisitions while maintaining cautious outlook amid rate uncertainty. Quarterly earnings and operational metrics provide moderate short-term influence on valuation and sentiment without indicating major strategic changes.

3 , 9:11 AM
SouthState Bank Corporation's Q2 earnings beat estimates but revenues missed targets due to lower net interest income. Mixed Q2 results with earnings beat offset by revenue miss point to moderate short-term effects on performance and sentiment.

23 Jul

3 , 7:30 PM
SouthState Bank Corporation reported Q2 earnings with key metrics compared against analyst estimates. Q2 earnings metrics versus estimates can influence near-term investor views on financial performance.

3 , 4:05 PM
SouthState Bank Corporation reported second quarter 2026 results and raised its quarterly cash dividend. Quarterly results and dividend increase supply financial data that can shift near-term investor sentiment.

10 Jul

3 , 12:52 PM
SouthState Bank Corporation evaluates its capacity to sustain ongoing capital returns to investors. Questions around capital returns can sway market perceptions of the bank's financial health and shareholder value.

2 Jul

3 , 8:00 AM
Cari has joined the American Bankers Association’s Premier Partner Network, expanding the bank-governed tokenized deposit network. Partnership advances tokenized deposit capabilities and product innovation for SSB.

15 Jun

3 , 5:56 PM
SSB offers two investment positives including growth metrics and operational efficiency but carries one risk from rate sensitivity and regional exposure. Balanced pros/cons analysis flags moderate effects on near-term sentiment and valuation without altering core trajectory.

25 May

4 Zacks, 12:56 PM
SouthState Bank Corporation maintains strong organic growth that continues to drive positive performance upside. Strong organic growth directly signals improved future earnings trajectory and investor sentiment for SouthState Bank Corporation.

27 Apr

3 www.marketbeat.com, 5:36 PM
SouthState Bank Corporation (SSB) released Q1 earnings call highlights, covering financial performance, strategic updates, and outlook. Q1 earnings highlights impact SSB's financial metrics and market sentiment moderately.

25 Apr

4 GuruFocus.com, 3:04 AM
SouthState Bank Corp (SSB) reported strong loan growth and strategic initiatives in Q1 2026 earnings call highlights. Strong loan growth and strategic developments signal major positive shifts in financial performance and market positioning for SSB.

3 StockStory, 8:29 AM
SouthState Bank Corporation (SSB) posted mixed Q1 results, bolstered by strong loan pipelines but pressured by elevated deposit costs. Mixed Q1 outcomes from robust loan pipelines offset by higher deposit costs will moderately influence SSB's financial performance.

24 Apr

4 Zacks, 12:05 PM
SouthState Bank Corporation (SSB) Q1 earnings beat expectations, fueled by strong net interest income and fee income, while costs and provisions declined. Q1 earnings beat driven by robust NII, fee growth, and lower costs/provisions significantly boosts SSB's financial performance and investor sentiment.

3 app.moby.co, 8:30 AM
SouthState Corporation's Q1 2026 earnings call summary covers first-quarter financial results, loan growth, deposit trends, net interest margin, credit quality, and forward guidance amid economic conditions. Quarterly earnings details moderately influence financial performance and investor sentiment without fundamentally altering long-term trajectory.

23 Apr

4 Zacks, 6:00 PM
SouthState Bank Corporation (SSB) Q1 earnings compared to analyst estimates, with key metrics analyzed for performance insights. Q1 earnings comparison to estimates signals significant shifts in financial performance and investor sentiment for SSB.

4 PR Newswire, 4:05 PM
SouthState Bank Corporation reported first quarter 2026 results and declared a quarterly cash dividend. Quarterly earnings results and dividend declarations signal financial health and directly influence stock price and investor confidence.

3 StockStory, 5:30 PM
SouthState Bank Corporation (NYSE:SSB) reported Q1 CY2026 revenue below analyst estimates. Revenue shortfall signals weaker financial performance with moderate impact on investor sentiment and near-term stock trajectory.

10 Apr

3 StockStory, 2:30 PM
Analysts place SouthState Bank Corporation (SSB) on their watchlist as the top bank stock to monitor, while ignoring two others due to weaker prospects. Watchlist inclusion signals analyst confidence in SSB's growth potential, likely to moderately boost investor sentiment and short-term performance.

27 Mar

4 Simply Wall St., 6:05 AM
SouthState Bank Corporation (SSB)'s investment story shifts positively with new analyst endorsements and share buyback signals indicating stronger confidence and potential upside. Analyst signals and buyback announcements are major strategic moves likely to significantly boost investor sentiment and SSB's market performance.

25 Mar

4 Insider Monkey, 4:16 PM
Hovde Group upgrades SouthState Bank Corporation (SSB) to Outperform rating. Analyst upgrade to Outperform reflects strong confidence in SSB's growth prospects, likely enhancing investor sentiment and stock performance significantly.

18 Mar

3 Zacks, 11:43 AM
SouthState Bank Corporation reports solid organic growth driven by robust top-line strength from deposit expansion, loan portfolio quality, and efficient expense management. Solid organic growth and top-line strength moderately boost financial performance amid balanced competitive factors.

11 Mar

4 StockStory, 6:55 PM
SouthState Bank Corporation (SSB) Q4 earnings spark debate on whether to buy, sell, or hold the stock, analyzing financial results, growth outlook, and market position. Q4 earnings performance directly impacts SSB's financial trajectory, investor sentiment, and stock valuation.

27 Feb

3 StockStory, 8:06 PM
SouthState Bank Corporation (SSB) stock fell today due to disappointing quarterly earnings that missed analyst expectations, weaker loan growth, and higher provisions for credit losses. Disappointing earnings and increased credit loss provisions could moderately pressure SSB's financial performance and investor sentiment in the near term.

12 Feb

4 PR Newswire, 9:08 AM
SouthState Bank Corporation (SSB) has been recognized with the second highest awards for Best Bank across the United States, highlighting its strong performance and customer service. This recognition reflects the bank's commitment to excellence and positions it favorably in the competitive banking landscape. Recognition as one of the best banks is likely to enhance SouthState's reputation and attract more customers, significantly impacting its future performance.
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