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SSB logoSouthState Corporation(SSB)Earnings, Financials & Key Ratios

SSB•NASDAQ•Banking & Credit
$98.65
$9.92B mkt cap·12.6× P/E·Price updated May 6, 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%
  • Tangible BV/Share55.44+11.7%
  • Debt/Equity0.15-4.6%
Analysis→Technical→

SSB Key Insights

SouthState Corporation (SSB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 45.9%
  • ✓Efficient operations: 40.5% efficiency ratio
  • ✓16 consecutive years of dividend growth
  • ✓Well capitalized: 13.5% equity/assets
  • ✓Healthy dividend yield of 2.3%
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗Shares diluted 31.1% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

SSB Price & Volume

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

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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%
TTM49.34%

EPS CAGR

10 Years6.7%
5 Years29.12%
3 Years6%
TTM12.77%

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
EPS
$2.28
Est $2.21
+3.2%
Revenue
$662M
Est $669M
-1.1%
Q1 2026
Jan 22, 2026
EPS
$2.47
Est $2.30
+7.4%
Revenue
$687M
Est $668M
+2.9%
Q4 2025
Oct 22, 2025
EPS
$2.58
Est $2.11
+22.3%
Revenue
$699M
Est $664M
+5.3%
Q3 2025
Jul 24, 2025
EPS
$2.30
Est $2.00
+15.0%
Revenue
$665M
Est $654M
+1.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$2.28vs $2.21+3.2%
$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 →

SSB Peer Comparison

SouthState Corporation (SSB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
HBAN logoHBANHuntington Bancshares IncorporatedDirect Competitor26.34B16.6411.974.38%10.04%0.76
CFG logoCFGCitizens Financial Group, Inc.Direct Competitor28.31B65.6221.661.31%6.6%0.51
UMBF logoUMBFUMB Financial CorporationDirect Competitor10.2B133.9614.6768.52%11.67%0.49
IBOC logoIBOCInternational Bancshares CorporationDirect Competitor4.51B72.5610.961.03%13.41%0.22
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.13B21.59-7.32-56.66%-11.63%0.19
CBSH logoCBSHCommerce Bancshares, Inc.Direct Competitor7.71B52.5312.872.23%15.34%0.79
WSFS logoWSFSWSFS Financial CorporationDirect Competitor3.8B72.1114.17-3.05%10.65%0.11
BOKF logoBOKFBOK Financial CorporationProduct Competitor10.44B135.5416.6510.4%8.91%0.80

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 Income Statement

SouthState Corporation (SSB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income408.99M513.22M504.27M826.47M1.03B1.34B1.45B1.42B2.3B
NII Growth %25.9%25.49%-1.74%63.89%25.01%29.28%8.75%-2.56%62.73%
Net Interest Margin %2.83%3.5%3.17%2.19%2.47%3.04%3.24%3.05%3.43%
Interest Income426M567.21M590.83M910.03M1.08B1.4B1.94B2.14B3.38B
Interest Expense17.01M53.99M86.55M83.56M51.63M61.35M491.8M725.91M1.08B
Loan Loss Provision11.89M13.78M12.78M235.99M-165.27M81.86M114.08M15.97M113.15M
Non-Interest Income135.26M141.94M137.19M299.86M332.2M277.62M248.03M251.68M377.75M
Non-Interest Income %24.1%20.02%18.84%24.78%23.44%16.58%11.31%10.52%10.05%
Total Revenue
561.26M▲ 0%
709.15M▲ 26.3%
728.02M▲ 2.7%
1.21B▲ 66.2%
1.42B▲ 17.1%
1.67B▲ 18.2%
2.19B▲ 30.9%
2.39B▲ 9.1%
3.76B▲ 57.0%
Revenue Growth %23.3%26.35%2.66%66.19%17.12%18.18%30.92%9.15%57.01%
Non-Interest Expense363.55M417.12M398.26M786.36M926.37M898.07M955.7M950.91M1.52B
Efficiency Ratio64.77%58.82%54.71%64.99%65.38%53.63%43.59%39.74%40.48%
Operating Income
168.81M▲ 0%
224.25M▲ 32.8%
230.43M▲ 2.8%
103.97M▼ 54.9%
604.28M▲ 481.2%
633.36M▲ 4.8%
630.85M▼ 0.4%
700.25M▲ 11.0%
1.05B▲ 49.5%
Operating Margin %30.08%31.62%31.65%8.59%42.64%37.82%28.77%29.26%27.86%
Operating Income Growth %9.58%32.85%2.75%-54.88%481.19%4.81%-0.4%11%49.49%
Pretax Income
168.81M▲ 0%
224.25M▲ 32.8%
230.43M▲ 2.8%
103.97M▼ 54.9%
604.28M▲ 481.2%
633.36M▲ 4.8%
630.85M▼ 0.4%
700.25M▲ 11.0%
1.04B▲ 48.5%
Pretax Margin %30.08%31.62%31.65%8.59%42.64%37.82%28.77%29.26%27.69%
Income Tax81.25M45.38M43.94M-16.66M128.74M137.31M136.54M165.47M241.54M
Effective Tax Rate %48.13%20.24%19.07%-16.02%21.3%21.68%21.64%23.63%23.22%
Net Income
87.55M▲ 0%
178.87M▲ 104.3%
186.48M▲ 4.3%
120.63M▼ 35.3%
475.54M▲ 294.2%
496.05M▲ 4.3%
494.31M▼ 0.4%
534.78M▲ 8.2%
798.67M▲ 49.3%
Net Margin %15.6%25.22%25.62%9.97%33.56%29.62%22.55%22.35%21.26%
Net Income Growth %-13.55%104.3%4.26%-35.31%294.21%4.31%-0.35%8.19%49.34%
Net Income (Continuing)87.55M178.87M186.48M120.63M475.54M496.05M494.31M534.78M798.67M
EPS (Diluted)
2.93▲ 0%
4.86▲ 65.9%
5.36▲ 10.3%
2.19▼ 59.1%
6.71▲ 206.4%
6.60▼ 1.6%
6.46▼ 2.1%
6.97▲ 7.9%
7.86▲ 12.8%
EPS Growth %-29.9%65.87%10.29%-59.14%206.39%-1.64%-2.12%7.89%12.77%
EPS (Basic)2.954.905.402.206.766.656.507.017.92
Diluted Shares Outstanding29.92M36.78M34.8M55.06M70.89M75.18M76.48M76.76M100.62M

SSB Balance Sheet

SouthState Corporation (SSB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments2.03B1.89B2.27B4.36B5.9B6.06B5.55B898.68M6.9B
Cash & Due from Banks373.41M376.31M311.01M1.03B702.66M732.07M762.44M798.29M583.38M
Short Term Investments1.65B1.52B1.96B3.33B5.19B5.33B4.78B100.39M6.31B
Total Investments12.37B12.53B13.4B29.79B31.42B38.27B39.63B40.68B6.31B
Investments Growth %60.49%1.25%6.96%122.35%5.45%21.81%3.56%2.64%-84.48%
Long-Term Investments10.67B11.01B11.44B26.46B26.22B32.94B34.85B40.58B0
Accounts Receivables000000000
Goodwill & Intangibles1.1B1.1B1.08B1.77B1.77B2.13B2.1B2.08B3.48B
Goodwill999.59M1B1B1.56B1.58B1.92B1.92B1.92B3.09B
Intangible Assets104.91M97.63M80.34M206.41M193.69M203.06M173.94M156.25M386.33M
PP&E (Net)255.56M241.08M317.32M579.24M558.5M520.63M519.2M502.56M994.18M
Other Assets367.14M393.66M779.67M4.51B7.32B2.09B1.73B2.14B0
Total Current Assets2.03B1.89B2.27B4.36B5.9B6.06B5.55B898.68M6.9B
Total Non-Current Assets12.44B12.78B13.65B33.43B35.94B37.86B39.36B45.48B4.47B
Total Assets
14.47B▲ 0%
14.68B▲ 1.4%
15.92B▲ 8.5%
37.79B▲ 137.3%
41.84B▲ 10.7%
43.92B▲ 5.0%
44.9B▲ 2.2%
46.38B▲ 3.3%
67.2B▲ 44.9%
Asset Growth %62.54%1.45%8.49%137.35%10.71%4.97%2.24%3.29%44.88%
Return on Assets (ROA)0.75%1.23%1.22%0.45%1.19%1.16%1.11%1.17%1.41%
Accounts Payable000000000
Total Debt503.24M526.42M1.1B1.16B1.1B938.38M970.78M896.14M1.31B
Net Debt129.83M150.12M793.36M132.69M395.34M206.31M208.34M97.85M731.38M
Long-Term Debt116.39M105.77M105.63M379.87M316.76M381.96M381.59M381.22M696.54M
Short-Term Debt386.86M420.65M998.74M779.67M781.24M556.42M589.18M514.91M618.22M
Other Liabilities121.66M136.68M267.4M1.29B882.69M1.55B1.35B1.53B25.7B
Total Current Liabilities11.92B12.07B13.18B31.47B35.84B36.91B37.64B38.58B31.75B
Total Non-Current Liabilities238.05M242.45M373.03M1.67B1.2B1.94B1.73B1.92B26.39B
Total Liabilities12.16B12.31B13.55B33.14B37.04B38.84B39.37B40.49B58.14B
Total Equity
2.31B▲ 0%
2.37B▲ 2.5%
2.37B▲ 0.3%
4.65B▲ 95.9%
4.8B▲ 3.3%
5.07B▲ 5.7%
5.53B▲ 9.0%
5.89B▲ 6.5%
9.06B▲ 53.8%
Equity Growth %103.5%2.48%0.28%95.86%3.34%5.66%9.03%6.46%53.79%
Equity / Assets (Capital Ratio)15.96%16.12%14.9%12.3%11.48%11.56%12.32%12.7%13.48%
Return on Equity (ROE)5.09%7.65%7.87%3.44%10.06%10.04%9.32%9.36%10.68%
Book Value per Share77.1664.3468.2084.4167.7567.5072.3576.7490.03
Tangible BV per Share40.2534.4237.0752.2642.7239.2244.9349.6555.44
Common Stock91.9M89.57M84.36M177.43M173.33M189.26M190.06M190.81M247.84M
Additional Paid-in Capital1.81B1.75B1.61B3.77B3.65B4.22B4.24B4.26B6.48B
Retained Earnings419.85M551.11M679.89M657.45M997.66M1.35B1.69B2.05B2.61B
Accumulated OCI-10.43M-24.88M1.02M47.59M-21.15M-677.09M-582.54M-606.92M-283.38M
Treasury Stock000000000
Preferred Stock000000000

SSB Cash Flow Statement

SouthState Corporation (SSB) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations197.89M283.71M181.03M536.94M415.69M1.73B546.76M511.96M-471.75M
Operating CF Growth %43.39%43.37%-36.19%196.61%-22.58%316.39%-68.41%-6.36%-192.15%
Net Income87.55M178.87M186.48M120.63M475.54M496.05M494.31M534.78M798.67M
Depreciation & Amortization28.7M35.7M33.12M46.37M63.14M64.59M58.83M56.7M0
Deferred Taxes32.2M15.18M-1.49M-44.28M67.85M123.54M1.95M-10.85M0
Other Non-Cash Items68.93M36.68M-32.68M419.85M-64.18M211.09M66.22M-627.88M-806.57M
Working Capital Changes-26.43M8.5M-13.25M-28.94M-152.38M799.98M-110.4M531.22M-463.85M
Cash from Investing-60.9M-282.15M-795.05M1.23B-2.32B-4.86B-1.43B-886.18M792.19M
Purchase of Investments-245.83M-209.81M-979.07M-2.35B-3.92B-2.5B-307.06M-236.94M-7.12B
Sale/Maturity of Investments629.57M316.24M550.89M1.13B1.06B1.3B1.13B886.89M8.38B
Net Investment Activity383.74M106.43M-428.18M-1.22B-2.86B-1.2B818.52M649.94M1.26B
Acquisitions185.16M002.57B-39.93M250.12M001.04B
Other Investing-614.64M-374.04M-351.07M-98.64M604.75M-3.89B-2.21B-1.5B-1.44B
Cash from Financing-133.81M29.79M893.75M2.15B4.02B-2.28B566M767.41M1.46B
Dividends Paid-38.62M-50.56M-57.7M-98.26M-135.34M-146.66M-156.18M-162.89M-231.3M
Share Repurchases-5.51M-70.58M-159.43M-32.43M-147.42M-119.33M-16.06M-16.76M-235.82M
Stock Issued1.05M1.33M1.39M1.54M2.38M2.86M2.77M3.24M5.49M
Net Stock Activity-4.46M-69.25M-158.04M-30.89M-145.04M-116.47M-13.29M-13.52M-230.33M
Debt Issuance (Net)-1000K1000K1000K-1000K-1000K-1000K1000K-1000K1000K
Other Financing200.08M99.6M559.49M2.98B4.37B-2B635.47M1.04B1.88B
Net Change in Cash
3.18M▲ 0%
31.36M▲ 886.3%
279.72M▲ 792.1%
3.92B▲ 1301.6%
2.11B▼ 46.1%
-5.41B▼ 356.1%
-313.69M▲ 94.2%
393.19M▲ 225.3%
1.78B▲ 352.8%
Exchange Rate Effect000000000
Cash at Beginning374.45M377.63M408.98M688.7M4.61B6.72B1.31B998.88M1.39B
Cash at End377.63M408.98M688.7M4.61B6.72B1.31B998.88M1.39B3.17B
Interest Paid17.96M52.06M86.36M87.25M55.39M67.13M441.21M741.98M0
Income Taxes Paid48.03M31.94M55.67M103.8M126.21M35.14M74.72M111.48M0
Free Cash Flow
182.73M▲ 0%
269.17M▲ 47.3%
165.23M▼ 38.6%
520.01M▲ 214.7%
387.27M▼ 25.5%
1.71B▲ 342.4%
507.87M▼ 70.4%
476.15M▼ 6.2%
-542M▼ 213.8%
FCF Growth %62.84%47.31%-38.62%214.72%-25.53%342.38%-70.36%-6.25%-213.83%

SSB Banking Ratios

SouthState Corporation (SSB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)9.23%5.09%7.65%7.87%3.44%10.06%10.04%9.32%9.36%10.68%
Return on Assets (ROA)1.16%0.75%1.23%1.22%0.45%1.19%1.16%1.11%1.17%1.41%
Net Interest Margin3.65%2.83%3.5%3.17%2.19%2.47%3.04%3.24%3.05%3.43%
Efficiency Ratio62.83%64.77%58.82%54.71%64.99%65.38%53.63%43.59%39.74%40.48%
Equity / Assets12.75%15.96%16.12%14.9%12.3%11.48%11.56%12.32%12.7%13.48%
Book Value / Share46.8577.1664.3468.284.4167.7567.572.3576.7490.03
NII Growth-0.89%25.9%25.49%-1.74%63.89%25.01%29.28%8.75%-2.56%62.73%
Dividend Payout28.91%44.11%28.26%30.94%81.45%28.46%29.57%31.6%30.46%28.96%

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

3
FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

SSB Frequently Asked Questions

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

Growth & Financials

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

Yes, SouthState Corporation (SSB) is profitable, generating $798.7M in net income for fiscal year 2025 (21.3% net margin).

Dividend & Returns

Yes, SouthState Corporation (SSB) pays a dividend with a yield of 2.33%. This makes it attractive for income-focused investors.

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

Industry Metrics

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

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

Explore More SSB

SouthState Corporation (SSB) financial analysis — history, returns, DCA and operating performance tools

Full SSB Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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