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SSB stock logo

SSB

SouthState Bank Corp.

$106.28
-0.08
 (-0.08%)
Exchange:  NYSE
Market Cap:  10.306B
Shares Outstanding:  5.981M
Delayed data
Calculate SSB Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  John C. Corbett
Full Time Employees:  6431
Address: 
1101 First Street South
Winter Haven
FL
33880
US
Website:  https://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. In addition, the company offers commercial real estate, residential real estate, and commercial and industrial loans, as well as consumer loans, including auto, boat, and personal installment, as well as business, agriculture, real estate-secured (mortgage), home improvement, and manufactured housing loans. Further, it provides debit and credit card, mobile services, funds transfer products and services, and treasury management services comprising merchant, automated clearing house, lock-box, remote deposit capture, and other treasury services, as well as asset and wealth management, and other fiduciary and private banking services. Additionally, the company offers safe deposit boxes, bank money orders, wire transfer and ACH services, brokerage services, and alternative investment products, such as annuities and mutual funds, trust and asset management services; letters of credit and home equity lines of credit; and online, mobile, and telephone banking platforms. The company was formerly known as SouthState Corporation and changed its name to SouthState Bank Corporation in September 2025. SouthState Bank Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/07/24 — 2 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue2,192,4362,393,0393,757,243
Gross Profit1,586,5561,651,1562,567,900
EBITDA689,678756,9451,171,151
Operating Income630,852700,2481,046,816
Net Income494,308534,783798,667

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets44,902,02446,381,20467,197,412
Total Liabilities39,368,92640,490,78958,138,304
Total Stockholders Equity5,533,0985,890,4159,059,108
Total Debt970,779896,1361,314,751
Cash and Cash Equivalents762,442798,290583,375

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow546,757511,960300,846
Capital Expenditure-38,885-35,8070
Free Cash Flow507,872476,153300,846
Net Income494,308534,783798,667
Net Change in Cash-313,686393,1901,780,416

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)3,095,517.048Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)3,146,262.238Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)3,121,683.595Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)1,133,187.844Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)1,151,764.331Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)1,142,766.732Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)1,115,545.509Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)1,213,611.607Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)1,164,578.558Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)953,165.112Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)968,790.464Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)961,222.260Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)11.570Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)12.060Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)11.090Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
2.44B  ?P/S
 (TTM)
: 
3.19
?Net Income
 (TTM)
: 
534.783M  ?P/E
 (TTM)
: 
11.15
?Enterprise Value
 (TTM)
: 
11.279B  ?EV/FCF
 (TTM)
: 
14.39
?Dividend Yield
 (TTM)
: 
2.3%  ?Payout Ratio
 (TTM)
: 
25.15%
?ROE
 (TTM)
: 
10.49%  ?ROIC
 (TTM)
: 
-1.46%
?Net Debt
 (TTM)
: 
484.8M  ?Debt/Equity
 (TTM)
: 
0.17
?P/B
 (TTM)
: 
1.15  ?Current Ratio
 (TTM)
: 
0.13

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.21Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

Strengths (preview)

  • Strong Revenue Performance: SSB has demonstrated robust revenue figures in recent quarters, as highlighted in the income statements, with consistent growth in key product categories and geographic segments. This indicates a solid market position and effective business operations.
  • Positive Free Cash Flow: The cash flow statements reflect a healthy free cash flow yield (freeCashFlowYieldTTM), suggesting SSB's ability to generate cash after capital expenditures, which supports financial flexibility for dividends, debt reduction, or reinvestment.
  • Favorable Valuation Metrics: The current price-to-earnings ratio (priceToEarningsRatioTTM) and forward P/E estimates (forward_pe_avg) indicate that SSB is reasonably valued compared to industry averages (industry_avg_priceToEarningsRatioTTM), potentially attracting value-focused investors.
  • High Return on Equity: A strong roeTTM metric showcases SSB's efficiency in generating profits from shareholders' equity, reflecting effective management and operational success within its sector.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates SSB intrinsic value between $90.47 – $91.27 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about SSB valuation

Is SouthState Bank Corp. (SSB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for SouthState Bank Corp. (SSB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is SSB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SSB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is SSB’s P/E ratio?

You can see SSB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for SSB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is SSB a good long-term investment?

Whether SSB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

SSB

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.08
MARKETSnap

Trading Metrics:

Open: 105.24   Previous Close: 106.36
Day Low: 105.01   Day High: 106.38
Year Low: 84.48   Year High: 112.2
Price Avg 50: 103.86   Price Avg 200: 97.83
Volume: 82692   Average Volume: 828385

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SSB full analysis

27/06/2025

Welcome to MARKETSNAP’s SWOT analysis for SouthState Corporation, also known by its ticker SSB. If you’re a long-term investor looking to build wealth, you’re in the right place. Today, we’re diving deep into SouthState, a regional banking player in the financial sector, to break down its strengths, weaknesses, opportunities, and threats. I’ll keep this conversational and packed with insights, so let’s get started with a quick overview of who they are and what’s been happening lately, before we jump into…

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See in Nexus

Relevant news

SouthState Bank Ranked Third Among Largest U.S. Banks in Bank Director's 2026 RankingBanking Study
25-08-2026 09:03
SouthState Bank Ranked Third Among Largest U.S. Banks in Bank Director's 2026 RankingBanking Study
SouthState Establishes Government Contractor Banking Vertical, Appoints Industry Veteran to Lead Venture
17-08-2026 10:07
SouthState Establishes Government Contractor Banking Vertical, Appoints Industry Veteran to Lead Venture
SouthState Bank Corporation (SSB) Q2 2026 Earnings Call Transcript
24-07-2026 13:30
SouthState Bank Corporation (SSB) Q2 2026 Earnings Call Transcript
SouthState Bank Q2 Earnings Call Highlights
24-07-2026 13:04
SouthState Bank Q2 Earnings Call Highlights
SouthState Q2 Earnings Beat Estimates, Revenues Miss on Lower NII
24-07-2026 10:16
SouthState Q2 Earnings Beat Estimates, Revenues Miss on Lower NII
SouthState (SSB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
23-07-2026 20:31
SouthState (SSB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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