SouthState Bank (SSB) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 5/6 |
SSB Community Fair Values
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Analyst Price Targets
SouthState Bank Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$105.98 |
| 52 Week High | US$112.20 |
| 52 Week Low | US$84.48 |
| Beta | 0.71 |
| 1 Month Change | -3.97% |
| 3 Month Change | 7.09% |
| 1 Year Change | 4.67% |
| 3 Year Change | 51.79% |
| 5 Year Change | 63.75% |
| Change since IPO | 750.41% |
Recent News & Updates
Seeking Alpha • Aug 25
SouthState Bank Corporation: So Very Close To Deserving A Buy
Summary SouthState Bank Corporation benefits from strong Southern market trends but currently merits a Hold rating due to valuation and slowing earnings momentum. SSB's Q2 2026 results showed solid asset quality, an 11th consecutive EPS beat, and continued capital returns via dividends and buybacks. Loan growth outpaces deposits, with a loan-to-deposit ratio rising to 90.2% and notable CRE concentration, especially in investor real estate. Valuation at 11.3x forward P/E and 1.83x TBV reflects quality but not a bargain; a pullback or profitability improvement could prompt an upgrade. Read the full article on Seeking Alpha
Narrative Update • Jul 27
SSB: Share Repurchases And Earnings Quality Should Support Future Premium Pricing
Analysts have raised the SouthState Bank fair value estimate to $118.07 from $115.69, citing recent price target revisions across the Street that reference stronger revenue assumptions, slightly higher profit margins, and updated P/E expectations following the latest quarterly results. Analyst Commentary Recent Street research on SouthState Bank shows a mix of optimism around execution and earnings quality, alongside some caution on margin trends and capital deployment, which helps explain the modest increase in the fair value estimate.Recent updates
Seeking Alpha • Aug 25
SouthState Bank Corporation: So Very Close To Deserving A Buy
Summary SouthState Bank Corporation benefits from strong Southern market trends but currently merits a Hold rating due to valuation and slowing earnings momentum. SSB's Q2 2026 results showed solid asset quality, an 11th consecutive EPS beat, and continued capital returns via dividends and buybacks. Loan growth outpaces deposits, with a loan-to-deposit ratio rising to 90.2% and notable CRE concentration, especially in investor real estate. Valuation at 11.3x forward P/E and 1.83x TBV reflects quality but not a bargain; a pullback or profitability improvement could prompt an upgrade. Read the full article on Seeking AlphaNarrative Update • Jul 27
SSB: Share Repurchases And Earnings Quality Should Support Future Premium Pricing
Analysts have raised the SouthState Bank fair value estimate to $118.07 from $115.69, citing recent price target revisions across the Street that reference stronger revenue assumptions, slightly higher profit margins, and updated P/E expectations following the latest quarterly results. Analyst Commentary Recent Street research on SouthState Bank shows a mix of optimism around execution and earnings quality, alongside some caution on margin trends and capital deployment, which helps explain the modest increase in the fair value estimate.Analysis Article • Jul 26
Analysts Have Made A Financial Statement On SouthState Bank Corporation's (NYSE:SSB) Second-Quarter Report
It's been a good week for SouthState Bank Corporation ( NYSE:SSB ) shareholders, because the company has just released...Narrative Update • Jun 26
SSB: Share Repurchases And Solid Execution Should Support Future Premium Earnings
Analysts have lowered the SouthState Bank price target by about $3 to $115, reflecting updated assumptions around fair value, discount rate, growth, margins, and future P/E. Analyst Commentary Recent research on SouthState Bank points to a mix of optimism around the company’s execution and caution around valuation and earnings assumptions, which is reflected in the cluster of price target changes around the US$115 level.Analysis Article • Jun 17
SouthState Bank (SSB) Stock Could Be 17.9% Below Fair Value After Recent Gains
SouthState Bank (SSB) stock has been drawing attention after recent share price gains, with investors weighing how its current valuation lines up against fundamentals, recent performance and the broader regional banking sector. See our latest analysis for SouthState Bank. SouthState Bank’s recent move to a US$97.63 share price follows a steady build in momentum, with a 30-day share price return of 5.87% and a 1-year total shareholder return of 17.62%, on top of strong 3-year and 5-year total...Narrative Update • Mar 26
SSB: Strong Capital And Buybacks Should Support Future Premium Earnings
The updated analyst price target for SouthState Bank has been revised slightly lower to about $118.85 from $120, as analysts balance earlier target increases with a recent reduction that reflects adjusted valuation assumptions rather than major changes to the underlying outlook. Analyst Commentary Recent research on SouthState Bank reflects a mix of optimism around profitability and capital strength alongside some more cautious tweaks to targets as earnings season approaches.Narrative Update • Mar 09
SSB: Strong Capital And Buybacks Will Support Future Earnings Premium
SouthState Bank's analyst price targets have edged higher by a few dollars, with analysts pointing to steady revenue and margin assumptions, along with a slightly lower future P/E outlook, as reasons to refine their valuation views. Analyst Commentary Recent research updates show a cluster of price target moves around SouthState Bank, with most analysts fine tuning their models rather than making wholesale changes to their views.Narrative Update • Feb 21
SSB: Strong Capital And Buybacks Will Support Earnings Durability
Analysts have slightly raised their average price targets on SouthState Bank by single-digit dollar amounts. These updates reflect views that solid profitability, strong capital, and relatively clean credit metrics are key supports for the stock.Narrative Update • Feb 07
SSB: Strong Capital And Share Repurchases Are Expected To Support Returns
Analysts have lifted their fair value estimate for SouthState Bank to $120.00 from $114.68, citing a slightly higher assumed P/E multiple and updated expectations for revenue growth and profitability. Analyst Commentary Recent Street research on SouthState Bank has centered on where the stock should trade relative to its peers, with several firms adjusting price targets in both directions.Narrative Update • Jan 23
SSB: Strong Capital And Loan Pipeline Will Support Earnings As Buybacks Continue
Analysts have trimmed their fair value estimate for SouthState Bank slightly to about $114.68 from $114.96. This reflects modest tweaks to assumptions on revenue growth, profit margins, and future P/E, while recent research still cites solid profitability, strong loan production, and supportive capital levels.Narrative Update • Jan 08
SSB: Strong Capital And Loan Pipeline Will Support Earnings Despite Margin Concerns
Analysts have nudged their fair value estimate for SouthState Bank slightly higher to about $115, reflecting updated assumptions around revenue growth, profit margins, and future P/E. Recent Street price targets clustered around $110 to $120 highlight mixed views on near term margin pressures versus ongoing loan growth and capital strength.Narrative Update • Dec 15
SSB: Growing Loan Pipeline Will Sustain Earnings Momentum Despite Margin Headwinds
Analysts have nudged their consolidated fair value estimate for SouthState Bank slightly higher to approximately $114.11 from about $114.04, as modestly stronger projected revenue growth, stable profit margins, and resilient loan production continue to support longer term earnings power, despite a series of modest price target trims on near term net interest margin pressures. Analyst Commentary Bullish analysts note that, despite modest price target trims, the investment case for SouthState Bank remains supported by solid execution, particularly in loan production, fee income, and disciplined expense control, which together underpin the slightly higher fair value estimate.Narrative Update • Nov 28
SSB: Pipeline Expansion Will Sustain Positive Momentum Despite Margin Pressure
Analysts have slightly lowered their average price target for SouthState Bank, with estimates now ranging from $110 to $120 per share. This revision is due to a tempered margin outlook, although the company continues to demonstrate strong loan growth and robust financial performance.Narrative Update • Nov 14
SSB: Franchise Momentum And Loan Pipeline Will Drive Upside Despite Margin Concerns
SouthState Bank's analyst price target has been modestly reduced by $1.00 to $114.04, as analysts cite tempered margin outlooks and near-term net interest challenges. This comes despite continued franchise momentum and strong loan growth prospects.Narrative Update • Oct 31
SSB: Accelerating Loan Pipelines And Lower Costs Will Drive Resilient Profitability
Analysts have revised their price targets for SouthState Bank downward by several dollars per share. This reflects slightly reduced fair value and revenue growth estimates, due to tempered net interest margin outlooks and evolving market expectations.Narrative Update • Oct 10
Acquisition Integration And Sunbelt Expansion Will Strengthen Future Efficiency
Analysts have raised their price target for SouthState Bank by $1.42 to $118.35. This reflects modest expectations for higher revenue growth, even as profit margins remain steady.Narrative Update • Sep 26
Acquisition Integration And Sunbelt Expansion Will Strengthen Future Efficiency
Analysts have marginally raised SouthState Bank’s price target to $116.92, citing cautious optimism about its strong capital position, anticipated commercial lending rebound, and a favorable growth profile versus peers. Analyst Commentary Cautious optimism around SouthState’s strong capital position and potential to benefit from a rebound in commercial lending during the second half of the year.Seeking Alpha • Mar 09
SouthState Ready For The Next Phase In Its Growth Story
Summary SouthState's acquisition of Independent Bank, strong service reputation, and solid execution in 2024 bode well for 2025, despite potential sector-wide loan growth and rate challenges. SouthState's solid performance in a challenging 2024 included stable net interest margins, peer-consistent expense leverage, above-average loan growth, and competitive deposit growth. Large banks are talking about growing their share in Southeast markets, but they lag SouthState in terms of customer satisfaction metrics, and a high-touch service model can drive further gains. Despite uncertainties in 2025, SouthState's quality service and proven growth strategy make it a worthwhile investment, with shares 20%-30% below fair value. Read the full article on Seeking AlphaSeeking Alpha • Sep 27
SouthState Corporation: Strong Growth Prospects Can Power An Attractive Investment Case
Summary Shares of leading Southern bank SouthState Corporation have done well since funding cost headwinds began battering U.S. banks in early 2023. SouthState has an enviable deposit franchise, while its geographic footprint leaves it with attractive growth potential. As with most banks, net interest income has been subdued here recently, but the bank's headwinds are now largely behind it. Between margin expansion, organic growth, and the deal to acquire Texas-based Independent Bank Group, SouthState's growth prospects look strong. At just 12.5x consensus '25 EPS, that growth can filter down to shareholder returns, too. Read the full article on Seeking Alpha
New Narrative • Aug 28
Strategic Expansions And Nimble Financial Management Poised To Propel Growth Amid Challenges
SouthState's anticipated net interest margin inflection and strategic market expansion indicate potential revenue and customer growth without specifying financial figures.Shareholder Returns
| SSB | US Banks | US Market | |
|---|---|---|---|
| 7D | -1.9% | -0.7% | -1.0% |
| 1Y | 4.7% | 17.9% | 14.1% |
Return vs Industry: SSB underperformed the US Banks industry which returned 17.6% over the past year.
Return vs Market: SSB underperformed the US Market which returned 13.1% over the past year.
Price Volatility
| SSB volatility | |
|---|---|
| SSB Average Weekly Movement | 2.9% |
| Banks Industry Average Movement | 3.1% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.3% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: SSB has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: SSB's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1933 | 6,431 | John Corbett | www.southstatebank.com |
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.
SouthState Bank Corporation Fundamentals Summary
| SSB fundamental statistics | |
|---|---|
| Market cap | US$10.26b |
| Earnings (TTM) | US$950.21m |
| Revenue (TTM) | US$2.68b |
10.8x
P/E Ratio1.1x
P/B RatioIs SSB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SSB income statement (TTM) | |
|---|---|
| Revenue | US$2.68b |
| Cost of Revenue | US$0 |
| Gross Profit | US$2.68b |
| Other Expenses | US$1.73b |
| Earnings | US$950.21m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 9.80 |
| Gross Margin | 100.00% |
| Net Profit Margin | 35.51% |
| Debt/Equity Ratio | 23.8% |
How did SSB perform over the long term?
See historical performance and comparisonDividends
2.5%
Current Dividend Yield25%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/11 01:27 |
| End of Day Share Price | 2026/09/11 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
SouthState Bank Corporation is covered by 21 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jared David Shaw | Barclays |
| Christopher Marinac | Brean Capital Historical (Janney Montgomery) |
| Benjamin Gerlinger | Citigroup Inc |