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SSBSouthState Corporation
$99.83$9.8B
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SSB logoSouthState Corporation(SSB)Earnings, Financials & Key Ratios

SSB•NASDAQ•Banking & Credit
$99.83
12.7× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutSouthState 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. It accepts checking accounts, savings deposits, interest-bearing transaction accounts, certificates of deposits, money market accounts, and other time deposits. The company also offers commercial real estate loans, residential real estate loans, commercial, and industrial loans, as well as consumer loans, including auto, boat, and personal installment loans. In addition, it provides debit card, mobile and funds transfer products, and treasury management services comprising merchant, automated clearing house, lock-box, remote deposit capture, and other treasury services. Further, the company offers safe deposit boxes, bank money orders, wire transfer, brokerage services, and alternative investment products, including annuities, mutual funds, and trust and asset management services; and credit cards, letters of credit, and home equity lines of credit. As of December 31, 2021, it served customers through 281 branches in Florida, South Carolina, Alabama, Georgia, North Carolina, and Virginia. SouthState Corporation also serves its customers through online, mobile, and telephone banking platforms. The company was formerly known as First Financial Holdings, Inc. and changed its name to SouthState Corporation in July 2013. SouthState Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.Show more
  • Net Interest Income$2.3B+62.7%
  • Total Revenue$3.76B+57.0%
  • Net Income$799M+49.3%
  • Return on Equity10.68%+14.1%
  • Net Interest Margin3.43%+12.3%
  • Efficiency Ratio40.48%+1.9%
  • ROA1.41%+20.0%
  • Equity / Assets13.48%+6.2%
  • Book Value per Share90.03+17.3%

SSB Price & Volume

SouthState Corporation (SSB) stock price & volume — 10-year historical chart

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Aggressive Inorganic Growth Drives Regional Scale Expansion

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Strong
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Integration and credit migration

Key Thesis Takeaways

  • SouthState Corporation is aggressively scaling its Southeastern footprint through M&A, as evidenced by total asset growth from $44.9 billion in 2023Q4 to $68.0 billion by 2026Q1.
  • While the bank has successfully improved its efficiency ratio to 38.2% as of 2025Q4, investors should monitor the volatility in credit provisioning, which spiked to $100.6 million in 2025Q1, and the potential for purchase accounting adjustments to distort core margin reality.
  • The firm's commitment to returning $220.5 million to shareholders in 2026Q1 suggests a balanced approach to capital management despite the ongoing integration of large-scale acquisitions.

Verdict Logic

while the forward P/E of 10.71 appears attractive, the bank's reliance on inorganic growth and historical provisioning volatility warrants further investigation into long-term credit quality.

SSB Growth Metrics

SouthState Corporation (SSB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years23.64%
5 Years25.44%
3 Years30.91%
TTM-

Profit CAGR

10 Years23.16%
5 Years45.94%
3 Years17.21%
TTM83.84%

EPS CAGR

10 Years6.7%
5 Years29.12%
3 Years6%
TTM46.21%

Return on Capital

10 Years8.37%
5 Years8.5%
3 Years7.66%
Last Year4.84%

SSB Recent Earnings

SouthState Corporation (SSB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$2.28+3.6%
$2.20
Rev
$662M-1.1%
$669M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$2.47+7.4%
$2.30
Rev
$687M+2.9%
$668M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$2.58+22.3%
$2.11
Rev
$699M+5.3%
$664M
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$2.30+15.0%
$2.00
Rev
$665M+1.6%
$654M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$2.28vs $2.20+3.6%
$662Mvs $669M-1.1%
Q1 2026Jan 22, 2026
$2.47vs $2.30+7.4%
$687Mvs $668M+2.9%
Q4 2025Oct 22, 2025
$2.58vs $2.11+22.3%
$699Mvs $664M+5.3%
Q3 2025Jul 24, 2025
$2.30vs $2.00+15.0%
$665Mvs $654M+1.6%
Based on last 12 quarters of dataView full earnings history →

Latest SSB News

Recent stock market news and headlines for SouthState Corporation (SSB)

PRNewsWire·2 days ago
SouthState Bank Corporation to Announce Quarterly Earnings Results on Thursday, July 23, 2026

WINTER HAVEN, Fla., July 6, 2026 /PRNewswire/ -- SouthState Bank Corporation (NYSE: SSB) ("SouthState" or the "Company") announced today that it will release second quarter 2026 earnings results on Thursday, July 23, 2026, after the market closes.

Peers Comparison

Key metrics vs top competitors for SouthState Corporation (SSB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
SSB logoSSBSouthState CorporationCurrent
$99.83$9.75B12.7057.01%21.26%10.68%2.3%
HBAN logoHBANHuntington Bancshares Incorporated
$18.01$36.51B12.964.38%16.63%8.81%—
CFG logoCFGCitizens Financial Group, Inc.
$71.78$30.35B18.60-9.71%17.51%7.63%—
UMBF logoUMBFUMB Financial Corporation
$146.01$11.12B15.9968.52%19.79%11.67%—
IBOC logoIBOCInternational Bancshares Corporation
$75.98$4.72B11.481.03%39.31%13.16%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—

Compare SSB vs Peers

SouthState Corporation (SSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs HBAN

Most directly comparable listed peer for SSB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare SSB against a more recognizable public peer.

Peer Set

Compare Top 5

vs HBAN, CFG, UMBF, IBOC

SSB SEC Filings & Documents

SouthState Corporation (SSB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 15, 2026·SEC

Material company update

Apr 3, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 21, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

May 1, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

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SSB Frequently Asked Questions

SouthState Corporation (SSB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is SouthState Corporation growing?

SouthState Corporation (SSB) grew revenue by 57.0% over the past year. This is strong growth.

Is SSB profitable?

Yes, SouthState Corporation (SSB) is profitable, generating $935.4M in net income for fiscal year 2025 (21.3% net margin).

Dividend & Returns
Does SSB pay dividends?

Yes, SouthState Corporation (SSB) pays a dividend with a yield of 2.30%. This makes it attractive for income-focused investors.

What is SSB's return on equity?

SouthState Corporation (SSB) has a return on equity (ROE) of 10.7%. This is reasonable for most industries.

Industry Metrics
What is SouthState Corporation's net interest margin?

SouthState Corporation (SSB) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.

What is SouthState Corporation's efficiency ratio?

SouthState Corporation (SSB) has an efficiency ratio of 40.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SSB back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →