SouthState's balance sheet has expanded from roughly $45.5B in 2024Q2 to $70.4B in 2026Q3, a step-up that appears largely acquisition-driven rather than organic, which may complicate the read-through on underlying earnings power.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Quarterly net income ranged from $89.1M to $247.7M across the series with an efficiency ratio of 53% to 65% in normal quarters, yet the net interest margin compressing to -1.6% in 2026Q2 and a 2025Q1 provision of $100.6M highlight that revenue durability and credit cost timing remain the dominant earnings risks.
A significant majority of analysts have a 'Strong Buy' or 'Buy' rating for SSB stock, indicating strong market confidence. Recent price target increases from analysts further reflect this positive sentiment.
SSB has demonstrated strong loan production, particularly in key markets like Texas and Colorado, contributing to consistent earnings per share (EPS) growth. The company's Q1 2026 earnings exceeded EPS expectations, driven by higher net interest income and lower expenses.
The company is focused on expanding its commercial team and has outlined a net interest margin (NIM) range for 2026. Management's confidence is evident through share repurchases and dividend increases, signaling a commitment to returning value to shareholders.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 21, 2026 | $2.30-4.2% vs $2.40 | $685M-0.8% vs $691M |
Q3 2026 Jul 23, 2026 | $2.35+1.7% vs $2.31 | $673M-0.6% vs $677M |
Q2 2026 Apr 23, 2026 | $2.28+3.6% vs $2.20 | $662M-1.1% vs $669M |
Q1 2026 Jan 22, 2026 | $2.47+7.4% vs $2.30 | $687M+2.9% vs $668M |
WINTER HAVEN, Fla., Oct. 26, 2026 /PRNewswire/ -- SouthState Bank Corporation ("SouthState" or the "Company") (NYSE: SSB) today announced company executives will participate in the upcoming BancAnalysts Association of Boston (BAAB) Conference.
SouthState Bank NYSE: SSB reported third-quarter 2026 results marked by annualized loan and deposit growth of 9%, stable net interest margin and continued low credit losses, while higher Treasury rates weighed on capital-markets fee income.
SouthState Bank Corporation ( SSB ) Q3 2026 Earnings Call October 22, 2026 9:00 AM EDT Company Participants William Matthews - Senior Executive VP & CFO John Corbett - CEO & Chairman Stephen Young - Senior Executive VP & Chief Strategy Officer Conference Call Participants John McDonald - Truist Securities, Inc., Research Division Jared David Shaw - Barclays Bank PLC, Research Division William Jones - Keefe, Bruyette, & Woods, Inc., Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Sun Young Lee - TD Cowen, Research Division Gary Tenner - D.A. Davidson & Co., Research Division Anthony Elian - JPMorgan Chase & Co, Research Division Brian Violino - Jefferies LLC, Research Division Timur Braziler - UBS Investment Bank, Research Division Christopher Marinac - Brean Capital, LLC, Research Division Presentation Operator Hello, everyone.
While the top- and bottom-line numbers for SouthState (SSB) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Benchmark SSB against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for SouthState Bank Corp. (SSB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $104.11 | $10.1B | 10.94 | 60.82% | 42.79% | 10.23% | 2.21% | |
| $15.47 | $31.26B | 12.72 | 10.58% | 24% | 8.17% | 3.9% | |
| $63.24 | $26.74B | 11.87 | -5.85% | 25.4% | 8.74% | 2.74% | |
| $133.77 | $10.16B | 9.91 | 101.23% | 36.8% | 13.15% | 1.33% | |
| $67.57 | $4.2B | 10.21 | 0.74% | 100.94% | 12.66% | 2.07% | |
| $23.34 | $3.39B | 13.00 | -86.6% | 27.54% | 7.61% | 3.66% |
SouthState Bank Corp. (SSB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
SouthState Bank Corp. (SSB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 21, 2026·SEC
Oct 2, 2026·SEC
Jul 23, 2026·SEC
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SouthState Bank Corp. (SSB) stock FAQ — growth, dividends, profitability & financials explained
SouthState Bank Corp. (SSB) revenue fell by 9.5% over the trailing twelve months, compared with the twelve months before.
Yes. SouthState Bank Corp. (SSB) earned $927.4M in net income over the trailing twelve months (a 42.8% net margin).
Yes. SouthState Bank Corp. (SSB) pays a dividend that yields 2.21% at the current price, a moderate yield.
SouthState Bank Corp. (SSB) had a return on equity (ROE) of 10.2% over the trailing twelve months. That is in line with the market's typical 10-15%.
SouthState Bank Corp. (SSB) has a net interest margin (NIM) of 3.4%. This indicates healthy earnings from lending activities.
SouthState Bank Corp. (SSB) has an efficiency ratio of 56.7%. This is reasonable for a bank.
