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SouthState Bank Corp. logo

SouthState Bank Corp.

SSB

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

$106.87

Market data unavailable

Aug 24, 12:07 PM ET

SSB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

91

Deep Value

Momentum

43

Neutral

Sentiment

74

Bullish

Risk resilience

81

Low Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US

Market position

Volume
47.23K
Market cap
10.41B USD

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
10.15B USD
EV / EBITDA
8.67×
Earnings yield
8.48%
Free cash flow yield
-5.76%

Profitability & efficiency

Return on equity
8.82%
Return on assets
1.19%
Return on invested capital
-4.07%

Financial health

Current ratio
0.22×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends117%82%47%13%Gross margin, FY2021: 108.02%Gross margin, FY2022: 91.45%Gross margin, FY2023: 72.36%Gross margin, FY2024: 69.00%Gross margin, FY2025: 68.35%Operating margin, FY2021: 42.64%Operating margin, FY2022: 37.82%Operating margin, FY2023: 28.77%Operating margin, FY2024: 29.26%Operating margin, FY2025: 27.86%Net margin, FY2021: 33.56%Net margin, FY2022: 29.62%Net margin, FY2023: 22.55%Net margin, FY2024: 22.35%Net margin, FY2025: 21.26%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 108.02%. Gross margin FY2022 91.45%. Gross margin FY2023 72.36%. Gross margin FY2024 69.00%. Gross margin FY2025 68.35%. Operating margin FY2021 42.64%. Operating margin FY2022 37.82%. Operating margin FY2023 28.77%. Operating margin FY2024 29.26%. Operating margin FY2025 27.86%. Net margin FY2021 33.56%. Net margin FY2022 29.62%. Net margin FY2023 22.55%. Net margin FY2024 22.35%. Net margin FY2025 21.26%.

Income trends

Revenue

3.76B USD+57.01%

Operating income

1.05B USD+49.49%

Net income

798.67M USD+49.34%
Income trends across reported periods4.09B USD2.77B USD1.46B USD147.37M USDRevenue, FY2021: 1.42B USDRevenue, FY2022: 1.67B USDRevenue, FY2023: 2.19B USDRevenue, FY2024: 2.39B USDRevenue, FY2025: 3.76B USDOperating income, FY2021: 604.28M USDOperating income, FY2022: 633.36M USDOperating income, FY2023: 630.85M USDOperating income, FY2024: 700.25M USDOperating income, FY2025: 1.05B USDNet income, FY2021: 475.54M USDNet income, FY2022: 496.05M USDNet income, FY2023: 494.31M USDNet income, FY2024: 534.78M USDNet income, FY2025: 798.67M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.42B USD. Revenue FY2022 1.67B USD. Revenue FY2023 2.19B USD. Revenue FY2024 2.39B USD. Revenue FY2025 3.76B USD. Operating income FY2021 604.28M USD. Operating income FY2022 633.36M USD. Operating income FY2023 630.85M USD. Operating income FY2024 700.25M USD. Operating income FY2025 1.05B USD. Net income FY2021 475.54M USD. Net income FY2022 496.05M USD. Net income FY2023 494.31M USD. Net income FY2024 534.78M USD. Net income FY2025 798.67M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue3.76B USD2.39B USD2.19B USD1.67B USD1.42B USD
Cost of goods sold1.19B USD741.88M USD605.88M USD143.21M USD−113.64M USD
Gross profit2.57B USD1.65B USD1.59B USD1.53B USD1.53B USD
Selling, general, and administrative595.71M USD679.43M USD681.44M USD610.02M USD598.03M USD
Operating expenses1.52B USD950.91M USD955.7M USD898.07M USD926.37M USD
Interest income3.38B USD2.14B USD1.94B USD1.4B USD1.08B USD
Interest expense1.08B USD725.91M USD491.8M USD61.35M USD51.63M USD
Depreciation and amortization124.34M USD56.7M USD58.83M USD64.59M USD63.14M USD
Operating income1.05B USD700.25M USD630.85M USD633.36M USD604.28M USD
Net income798.67M USD534.78M USD494.31M USD496.05M USD475.54M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+13.92%
11 comparable reports
Latest EPS result
2.35
Estimate 2.31 · Beat by 1.73%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.682.231.781.33Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 1.93, estimate 1.75, surprise +10.29%, Beat. Q2 2025, reported Apr 24, 2025: actual 2.15, estimate 1.43, surprise +50.35%, Beat. Q3 2025, reported Jul 24, 2025: actual 2.3, estimate 2, surprise +15.00%, Beat. Q4 2025, reported Oct 22, 2025: actual 2.58, estimate 2.11, surprise +22.27%, Beat. Q1 2026, reported Jan 22, 2026: actual 2.47, estimate 2.3, surprise +7.39%, Beat. Q2 2026, reported Apr 23, 2026: actual 2.28, estimate 2.2, surprise +3.64%, Beat. Q3 2026, reported Jul 23, 2026: actual 2.35, estimate 2.31, surprise +1.73%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 2.41, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates726.73M625.3M523.86M422.42MQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 450.37M USD, estimate 542.29M USD, surprise -16.95%, Miss. Q2 2025, reported Apr 24, 2025: actual 630.64M USD, estimate 612.18M USD, surprise +3.02%, Beat. Q3 2025, reported Jul 24, 2025: actual 664.77M USD, estimate 654.26M USD, surprise +1.61%, Beat. Q4 2025, reported Oct 22, 2025: actual 698.78M USD, estimate 663.85M USD, surprise +5.26%, Beat. Q1 2026, reported Jan 22, 2026: actual 686.87M USD, estimate 667.77M USD, surprise +2.86%, Beat. Q2 2026, reported Apr 23, 2026: actual 661.7M USD, estimate 669.27M USD, surprise -1.13%, Miss. Q3 2026, reported Jul 23, 2026: actual 672.68M USD, estimate 676.83M USD, surprise -0.61%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 690.46M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$117.5

9.50% upside
Past 12 months12-month forecast

Price history unavailable

High $125Average $117.5Low $108

Recent analyst actions

12 institutions
JefferiesmaintainBuy

SSB peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$502.26

+1.30%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$753,636.29

+1.36%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$356.57

+1.42%

Visa Inc. logo

V

Visa Inc.

$381.45

+2.81%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$597.09

+2.83%

Bank of America Corporation logo

BAC

Bank of America Corporation

$62.315

+1.01%

ETFs holding SSB

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Mid-Cap ETF logoiShares Core S&P Mid-Cap ETFIJH
Market value
374.38M
Weight
0.29%
AUM
125.92B USD
Expense ratio
0.05%
Price / 1D
$76.165-0.79%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
326.2M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.55-0.18%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
235.88M
Weight
0.13%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$303.11-0.54%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
149.87M
Weight
0.22%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$248.56-0.25%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
118.21M
Weight
0.12%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.79-0.71%
First Trust SMID Cap Rising Dividend Achievers ETF logoFirst Trust SMID Cap Rising Dividend Achievers ETFSDVY
Market value
104.57M
Weight
0.90%
AUM
11.64B USD
Expense ratio
0.58%
Price / 1D
$43.96+0.21%
State Street SPDR S&P MIDCAP 400 ETF Trust logoState Street SPDR S&P MIDCAP 400 ETF TrustMDY
Market value
76.3M
Weight
0.29%
AUM
26.72B USD
Expense ratio
0.23%
Price / 1D
$694.45-0.74%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
63.56M
Weight
0.43%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.405-0.37%

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