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SouthState Bank Corporation

SSB Financial Banks Regional

SouthState Bank Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.8 billion, up 53.8% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 11.3%, free cash flow grew 408.3% and total debt rose 61.1%, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for ten.

102.29 1.00 +0.99%
Market cap
$9.8B
P/E
10.7×
Fwd P/E
10.1×
Dividend yield
2.40%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 6.29
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — 1 — 1 — — — 3 — —
Insider Ownership 1.58%

Capital & Financial Ratios $m

Market Cap 9,820.00
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 10.69
Fwd P/E 10.10
P/S ratio 2.63
P/B ratio 1.09
Past 5Y EPS Growth 29.15% (at or above 15%: strong)
This Y EPS Growth 20.39% (at or above 15%: strong)
Next Y EPS Growth 8.73%
Next Y revenue growth (27.34%) (below 0%: weak)
Next 5Y EPS Growth 13.63%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 10.14%
10-year low 10-year high
P/S against its own 10 years 12.64%
10-year low 10-year high
P/B against its own 10 years 34.43%
10-year low 10-year high

Dividends

Payout Ratio 0.26
Annual Dividend Rate 2.46
Annual Dividend Yield 2.40%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 2.48
0.60
0.60
0.66
2025 2.28
0.54
0.54
0.60
0.60
2024 2.12
0.52
0.52
0.54
0.54
2023 2.04
0.50
0.50
0.52
0.52
2022 1.98
0.49
0.49
0.50
0.50
2021 1.92
0.47
0.47
0.49
0.49
2020 1.88
0.47
0.47
0.47
0.47
2019 1.67
0.38
0.40
0.43
0.46
2018 1.38
0.33
0.34
0.35
0.36
2017 1.32
0.33
0.33
0.33
0.33
2016 1.53
0.28
0.30
0.31
0.32
0.32
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,030 1,495 3,283 2,541
Receivables — — — —
Inventory — — — —
Other — — — —
33,013 35,212 51,641 53,207
2023 2024 2025 Q'26
Payables 37,049 38,061 55,146 56,350
ST’ Debt — — — —
Other — — — —
37,290 38,316 55,457 56,633

Compound Annual Growth %

10y 5y 3y
Sales 23.54% 25.20% 30.10%
Cash Flow 4.88% (10.94%) (44.19%)
Earnings 23.16% 45.94% 17.21%
Book Value 23.94% 14.28% 21.31%

Revenue $m

Mar Jun Sep Dec Year
’26 917 935 — — —
’25 895 927 981 954 3,757
’24 589 606 619 629 2,444
’23 522 555 573 581 2,231
’22 357 413 449 487 1,706
’21 375 347 358 359 1,439
’20 192 235 410 384 1,221
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 299 274 — — —
’25 (126) 73 122 232 301
’24 278 127 (247) 354 512
’23 59 312 449 (274) 547
’22 579 388 610 154 1,731
’21 299 (50) 179 (12) 416
’20 41 29 286 181 537
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 287 282 — — —
’25 324 55 192 250 821
’24 276 123 (252) 344 491
’23 54 311 439 (284) 520
’22 580 386 609 144 1,719
’21 301 (40) 179 (1) 438
’20 40 24 288 194 546
Fiscal quarters ending in the months shown.

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 59.19 78.60 56.55 58.87 40.42 62.60 72.26 59.51 70.68 77.74

Analyst estimates 2026–2028

Powerpack
High 91.85 94.50 93.25 88.10 87.98 93.26 93.34 87.77 114.27 109.64
People
People Employees 2,055 2,719 2,602 2,547 5,184 4,929 4,921 5,070 4,986 6,190
Revenue/emp, $m 0.22 0.21 0.27 0.29 0.24 0.29 0.35 0.44 0.49 0.61
Income, $m
Income, $m Revenue 454 566 713 734 1,221 1,439 1,706 2,231 2,444 3,757
Gross margin, % 98.17 96.99 92.43 88.21 93.16 96.41 96.40 77.96 70.29 71.36
EBT 154 169 224 230 104 604 633 631 700 1,040
EBT margin, % 33.90 29.82 31.45 31.38 8.51 41.99 37.12 28.27 28.66 27.69
Net income 101 88 179 186 121 476 496 494 535 799
Depreciation 31 36 43 27 12 101 92 79 76 173
Per share, $
Per share, $ Revenue 18.93 19.07 19.52 21.25 22.30 20.44 22.89 29.34 32.03 37.18
Earnings 4.22 2.95 4.90 5.40 2.20 6.76 6.65 6.50 7.01 7.90
Cash flow 5.75 6.67 7.77 5.24 9.81 5.91 23.22 7.19 6.71 2.98
Capex (1.07) (0.51) (0.01) (0.21) 0.17 0.32 (0.15) (0.35) (0.27) 5.15
Free cash flow 4.68 6.16 7.75 5.03 9.98 6.23 23.06 6.84 6.44 8.13
Book value 47.28 77.78 64.78 68.66 84.88 68.23 68.07 72.76 77.20 89.66
Shares, m 24 30 37 35 55 70 75 76 76 101
Valuation, ×
Valuation, × P/E 20.69 29.12 12.26 16.06 54.77 11.87 11.45 13.10 14.17 11.88
P/S 4.61 4.58 3.07 4.08 3.24 3.92 3.32 2.90 3.11 2.53
P/B 1.85 1.12 0.93 1.26 0.85 1.17 1.12 1.17 1.29 1.05
EV/Sales 3.91 4.30 2.87 4.18 (0.23) (0.54) 2.66 2.59 2.60 1.74
EV/FCF 15.82 13.31 7.23 17.65 (0.51) (1.78) 2.64 11.12 12.94 7.96
Cash, $m
Cash, $m Operating cash flow 138 198 284 181 537 416 1,731 547 512 301
Capex (26) (15) 0 (7) 9 23 (12) (26) (21) 520
Free cash flow 112 183 283 174 546 438 1,719 520 491 821
Balance, $m
Balance, $m Working capital (580) (796) (524) (358) (1,972) (4,838) (5,499) (4,277) (3,104) (3,816)
Total debt 55 216 266 757 385 381 214 348 260 307
Net debt (319) (161) (143) 68 (4,235) (6,418) (1,130) (682) (1,235) (2,976)
Shareholders’ equity 1,135 2,309 2,366 2,373 4,648 4,803 5,075 5,533 5,890 9,059
Returns, %
Returns, % ROA 1.16 0.75 1.23 1.22 0.45 1.19 1.16 1.11 1.17 1.41
ROIC 12.43 6.21 7.14 6.02 28.76 0.00 10.52 8.13 9.40 10.69
ROE 9.23 5.09 7.65 7.87 3.44 10.06 10.04 9.32 9.36 10.68
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

SouthState Bank Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FHN First Horizon Corporation $10.8B 15.9× 11.3× −39.55% (below 0%: shrinking) n/m +664.86% (above 0%: growing) 52.50% 0.00% Compare
CIB Grupo Cibest S.A. - Sponsored ADR $10.7B 19.1× — +178.87% (above 0%: growing) +85.47% (above 0%: growing) −187.28% (below 0%: shrinking) 71.39% 0.00% Compare
BPOP Popular, Inc. $10.0B 10.7× 10.1× +4.48% (above 0%: growing) +40.78% (above 0%: growing) +46.43% (above 0%: growing) 75.20% 0.00% Compare
UMBF UMB Financial Corporation $10.0B 10.9× 10.0× +4.12% (above 0%: growing) +26.06% (above 0%: growing) +22.27% (above 0%: growing) 69.66% 0.00% Compare
SSB SouthState Bank Corporation $9.8B 10.7× 10.1× +0.83% (above 0%: growing) +11.32% (above 0%: growing) +408.25% (above 0%: growing) 71.95% 0.00%
WTFC Wintrust Financial Corporation $9.7B 11.4× 11.7× +5.52% (above 0%: growing) +18.44% (above 0%: growing) −23.80% (below 0%: shrinking) 66.99% 0.00% Compare
CFR Cullen/Frost Bankers, Inc. $9.6B 14.7× 13.2× +0.53% (above 0%: growing) +12.97% (above 0%: growing) −106.23% (below 0%: shrinking) 79.66% 0.00% Compare
ONB Old National Bancorp $9.6B 11.1× 9.3× +9.45% (above 0%: growing) +91.18% (above 0%: growing) +330.77% (above 0%: growing) 69.90% 0.00% Compare
ZION Zions Bancorporation, N.A. $9.2B 8.1× 9.7× +19.18% (above 0%: growing) +87.12% (above 0%: growing) +518.28% (above 0%: growing) 76.88% 0.00% Compare
Median of peers $9.8B 11.2× 10.1× +5.00% +40.78% +34.35% 70.65% 0.00%

All 323 Banks Regional stocks →

SouthState Bank Corporation (SSB) key facts

  • Strength: SouthState Bank Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.8 billion, up 53.8% from fiscal 2024.
  • Strength: Net income was $798.7 million, or $7.90 per share (basic), a net margin of 21.3%.
  • SouthState Bank Corporation (SSB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, SSB traded at $102.29, a market capitalization of $9.8 billion.
  • At that price the stock trades at 10.7× trailing-twelve-month earnings and 2.6× sales; its P/E is higher than 10% of its own readings over the past ten years.
  • SouthState Bank Corporation pays an annual dividend of $2.46 per share, a yield of 2.40%, with a payout ratio of 25.9%.
  • Return on equity was 10.7% and debt-to-equity 0.06.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

SouthState Bank Corporation (SSB) Latest News

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stockrow.com/SSB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com