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SouthState Corporation (SSB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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SouthState Corporation (SSB) stock price & volume — 10-year historical chart
SouthState Corporation (SSB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
SouthState Corporation (SSB) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $2.28vs $2.21+3.2% | $662Mvs $669M-1.1% |
| Q1 2026 | Jan 22, 2026 | $2.47vs $2.30+7.4% | $687Mvs $668M+2.9% |
| Q4 2025 | Oct 22, 2025 | $2.58vs $2.11+22.3% | $699Mvs $664M+5.3% |
| Q3 2025 | Jul 24, 2025 | $2.30vs $2.00+15.0% | $665Mvs $654M+1.6% |
SouthState Corporation (SSB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
SouthState Corporation (SSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SouthState Corporation (SSB) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 408.99M | 513.22M | 504.27M | 826.47M | 1.03B | 1.34B | 1.45B | 1.42B | 2.3B |
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 Income | 426M | 567.21M | 590.83M | 910.03M | 1.08B | 1.4B | 1.94B | 2.14B | 3.38B |
Interest Expense | 17.01M | 53.99M | 86.55M | 83.56M | 51.63M | 61.35M | 491.8M | 725.91M | 1.08B |
Loan Loss Provision | 11.89M | 13.78M | 12.78M | 235.99M | -165.27M | 81.86M | 114.08M | 15.97M | 113.15M |
Non-Interest Income | 135.26M | 141.94M | 137.19M | 299.86M | 332.2M | 277.62M | 248.03M | 251.68M | 377.75M |
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 Expense | 363.55M | 417.12M | 398.26M | 786.36M | 926.37M | 898.07M | 955.7M | 950.91M | 1.52B |
Efficiency Ratio | 64.77% | 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 Tax | 81.25M | 45.38M | 43.94M | -16.66M | 128.74M | 137.31M | 136.54M | 165.47M | 241.54M |
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) | 87.55M | 178.87M | 186.48M | 120.63M | 475.54M | 496.05M | 494.31M | 534.78M | 798.67M |
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) | 2.95 | 4.90 | 5.40 | 2.20 | 6.76 | 6.65 | 6.50 | 7.01 | 7.92 |
Diluted Shares Outstanding | 29.92M | 36.78M | 34.8M | 55.06M | 70.89M | 75.18M | 76.48M | 76.76M | 100.62M |
SouthState Corporation (SSB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 2.03B | 1.89B | 2.27B | 4.36B | 5.9B | 6.06B | 5.55B | 898.68M | 6.9B |
Cash & Due from Banks | 373.41M | 376.31M | 311.01M | 1.03B | 702.66M | 732.07M | 762.44M | 798.29M | 583.38M |
Short Term Investments | 1.65B | 1.52B | 1.96B | 3.33B | 5.19B | 5.33B | 4.78B | 100.39M | 6.31B |
Total Investments | 12.37B | 12.53B | 13.4B | 29.79B | 31.42B | 38.27B | 39.63B | 40.68B | 6.31B |
Investments Growth % | 60.49% | 1.25% | 6.96% | 122.35% | 5.45% | 21.81% | 3.56% | 2.64% | -84.48% |
Long-Term Investments | 10.67B | 11.01B | 11.44B | 26.46B | 26.22B | 32.94B | 34.85B | 40.58B | 0 |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 1.1B | 1.1B | 1.08B | 1.77B | 1.77B | 2.13B | 2.1B | 2.08B | 3.48B |
Goodwill | 999.59M | 1B | 1B | 1.56B | 1.58B | 1.92B | 1.92B | 1.92B | 3.09B |
Intangible Assets | 104.91M | 97.63M | 80.34M | 206.41M | 193.69M | 203.06M | 173.94M | 156.25M | 386.33M |
PP&E (Net) | 255.56M | 241.08M | 317.32M | 579.24M | 558.5M | 520.63M | 519.2M | 502.56M | 994.18M |
Other Assets | 367.14M | 393.66M | 779.67M | 4.51B | 7.32B | 2.09B | 1.73B | 2.14B | 0 |
Total Current Assets | 2.03B | 1.89B | 2.27B | 4.36B | 5.9B | 6.06B | 5.55B | 898.68M | 6.9B |
Total Non-Current Assets | 12.44B | 12.78B | 13.65B | 33.43B | 35.94B | 37.86B | 39.36B | 45.48B | 4.47B |
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 Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 503.24M | 526.42M | 1.1B | 1.16B | 1.1B | 938.38M | 970.78M | 896.14M | 1.31B |
Net Debt | 129.83M | 150.12M | 793.36M | 132.69M | 395.34M | 206.31M | 208.34M | 97.85M | 731.38M |
Long-Term Debt | 116.39M | 105.77M | 105.63M | 379.87M | 316.76M | 381.96M | 381.59M | 381.22M | 696.54M |
Short-Term Debt | 386.86M | 420.65M | 998.74M | 779.67M | 781.24M | 556.42M | 589.18M | 514.91M | 618.22M |
Other Liabilities | 121.66M | 136.68M | 267.4M | 1.29B | 882.69M | 1.55B | 1.35B | 1.53B | 25.7B |
Total Current Liabilities | 11.92B | 12.07B | 13.18B | 31.47B | 35.84B | 36.91B | 37.64B | 38.58B | 31.75B |
Total Non-Current Liabilities | 238.05M | 242.45M | 373.03M | 1.67B | 1.2B | 1.94B | 1.73B | 1.92B | 26.39B |
Total Liabilities | 12.16B | 12.31B | 13.55B | 33.14B | 37.04B | 38.84B | 39.37B | 40.49B | 58.14B |
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 Share | 77.16 | 64.34 | 68.20 | 84.41 | 67.75 | 67.50 | 72.35 | 76.74 | 90.03 |
Tangible BV per Share | 40.25 | 34.42 | 37.07 | 52.26 | 42.72 | 39.22 | 44.93 | 49.65 | 55.44 |
Common Stock | 91.9M | 89.57M | 84.36M | 177.43M | 173.33M | 189.26M | 190.06M | 190.81M | 247.84M |
Additional Paid-in Capital | 1.81B | 1.75B | 1.61B | 3.77B | 3.65B | 4.22B | 4.24B | 4.26B | 6.48B |
Retained Earnings | 419.85M | 551.11M | 679.89M | 657.45M | 997.66M | 1.35B | 1.69B | 2.05B | 2.61B |
Accumulated OCI | -10.43M | -24.88M | 1.02M | 47.59M | -21.15M | -677.09M | -582.54M | -606.92M | -283.38M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SouthState Corporation (SSB) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 197.89M | 283.71M | 181.03M | 536.94M | 415.69M | 1.73B | 546.76M | 511.96M | -471.75M |
Operating CF Growth % | 43.39% | 43.37% | -36.19% | 196.61% | -22.58% | 316.39% | -68.41% | -6.36% | -192.15% |
Net Income | 87.55M | 178.87M | 186.48M | 120.63M | 475.54M | 496.05M | 494.31M | 534.78M | 798.67M |
Depreciation & Amortization | 28.7M | 35.7M | 33.12M | 46.37M | 63.14M | 64.59M | 58.83M | 56.7M | 0 |
Deferred Taxes | 32.2M | 15.18M | -1.49M | -44.28M | 67.85M | 123.54M | 1.95M | -10.85M | 0 |
Other Non-Cash Items | 68.93M | 36.68M | -32.68M | 419.85M | -64.18M | 211.09M | 66.22M | -627.88M | -806.57M |
Working Capital Changes | -26.43M | 8.5M | -13.25M | -28.94M | -152.38M | 799.98M | -110.4M | 531.22M | -463.85M |
Cash from Investing | -60.9M | -282.15M | -795.05M | 1.23B | -2.32B | -4.86B | -1.43B | -886.18M | 792.19M |
Purchase of Investments | -245.83M | -209.81M | -979.07M | -2.35B | -3.92B | -2.5B | -307.06M | -236.94M | -7.12B |
Sale/Maturity of Investments | 629.57M | 316.24M | 550.89M | 1.13B | 1.06B | 1.3B | 1.13B | 886.89M | 8.38B |
Net Investment Activity | 383.74M | 106.43M | -428.18M | -1.22B | -2.86B | -1.2B | 818.52M | 649.94M | 1.26B |
Acquisitions | 185.16M | 0 | 0 | 2.57B | -39.93M | 250.12M | 0 | 0 | 1.04B |
Other Investing | -614.64M | -374.04M | -351.07M | -98.64M | 604.75M | -3.89B | -2.21B | -1.5B | -1.44B |
Cash from Financing | -133.81M | 29.79M | 893.75M | 2.15B | 4.02B | -2.28B | 566M | 767.41M | 1.46B |
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 Issued | 1.05M | 1.33M | 1.39M | 1.54M | 2.38M | 2.86M | 2.77M | 3.24M | 5.49M |
Net Stock Activity | -4.46M | -69.25M | -158.04M | -30.89M | -145.04M | -116.47M | -13.29M | -13.52M | -230.33M |
Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K |
Other Financing | 200.08M | 99.6M | 559.49M | 2.98B | 4.37B | -2B | 635.47M | 1.04B | 1.88B |
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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 374.45M | 377.63M | 408.98M | 688.7M | 4.61B | 6.72B | 1.31B | 998.88M | 1.39B |
Cash at End | 377.63M | 408.98M | 688.7M | 4.61B | 6.72B | 1.31B | 998.88M | 1.39B | 3.17B |
Interest Paid | 17.96M | 52.06M | 86.36M | 87.25M | 55.39M | 67.13M | 441.21M | 741.98M | 0 |
Income Taxes Paid | 48.03M | 31.94M | 55.67M | 103.8M | 126.21M | 35.14M | 74.72M | 111.48M | 0 |
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% |
SouthState Corporation (SSB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
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 Margin | 3.65% | 2.83% | 3.5% | 3.17% | 2.19% | 2.47% | 3.04% | 3.24% | 3.05% | 3.43% |
Efficiency Ratio | 62.83% | 64.77% | 58.82% | 54.71% | 64.99% | 65.38% | 53.63% | 43.59% | 39.74% | 40.48% |
Equity / Assets | 12.75% | 15.96% | 16.12% | 14.9% | 12.3% | 11.48% | 11.56% | 12.32% | 12.7% | 13.48% |
Book Value / Share | 46.85 | 77.16 | 64.34 | 68.2 | 84.41 | 67.75 | 67.5 | 72.35 | 76.74 | 90.03 |
NII Growth | -0.89% | 25.9% | 25.49% | -1.74% | 63.89% | 25.01% | 29.28% | 8.75% | -2.56% | 62.73% |
Dividend Payout | 28.91% | 44.11% | 28.26% | 30.94% | 81.45% | 28.46% | 29.57% | 31.6% | 30.46% | 28.96% |
SouthState Corporation (SSB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Apr 15, 2026·SEC
Apr 3, 2026·SEC
SouthState Corporation (SSB) stock FAQ — growth, dividends, profitability & financials explained
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).
Yes, SouthState Corporation (SSB) pays a dividend with a yield of 2.38%. 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.
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.