A Closer Look at SouthState Bank (SSB) Valuation Following Recent Share Price Movement

SouthState Bank (SSB) shares have seen some movement recently, prompting investors to take a closer look at how the stock is valued in light of broader market sentiment. For those tracking regional banks, SouthState continues to gain attention.

See our latest analysis for SouthState Bank.

While SouthState Bank’s share price has dipped nearly 11% over the past month, longer-term investors have still seen a solid 5-year total shareholder return of almost 40%. This serves as a reminder that although momentum has faded lately, the broader track record points to resilience even as sentiment shifts for regional banks.

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The key question now is whether SouthState Bank’s current price reflects real value for investors, or if all the future growth is already factored in. Is there a genuine buying opportunity, or has the market priced it in?

Most Popular Narrative: 22.9% Undervalued

SouthState Bank's most popular valuation narrative sets fair value far above the recent closing price and highlights bullish expectations for the bank’s future. The narrative signals that strong growth assumptions support this ambitious target, creating high stakes for what requires validation.

“Continued strong loan production growth in Texas and Colorado, which are among the fastest-growing states in the country, positions SouthState to benefit from population migration and economic expansion in the Sunbelt. This is likely to accelerate revenue and earnings growth. The successful integration of recent acquisitions (notably Independent Bank) and the bank's established scale are driving operational efficiencies and enabling further investments in technology and digital platforms, supporting higher net margins over time.”

Read the complete narrative.

Want to know what bold projections power this fair value? The narrative leans on rising profits, aggressive scaling, and a profit multiple usually reserved for industry giants. Ready to uncover the key targets that analysts believe will change everything for SouthState Bank?

Result: Fair Value of $115.04 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, concentration in select markets and ongoing pressure on deposit costs remain potent risks that could quickly alter the outlook for SouthState Bank.

Find out about the key risks to this SouthState Bank narrative.

Another View: Multiples Paint a Different Picture

Looking at SouthState Bank through the lens of the price-to-earnings ratio, the stock appears expensive compared to both its industry and peer averages: 12.8x versus 11x and 12.1x, respectively. However, it is trading below its fair ratio of 14x, which suggests the market could still re-rate the stock higher. Could this gap be a sign of untapped value or a warning of potential downside?

See what the numbers say about this price — find out in our valuation breakdown.

Build Your Own SouthState Bank Narrative

If you see things differently or want to dig deeper, you can quickly explore the numbers for yourself and craft a personal SouthState Bank story in just minutes. Do it your way

A great starting point for your SouthState Bank research is our analysis highlighting 5 key rewards and 2 important warning signs that could impact your investment decision.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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