SouthState's post-Independence Bancshares acquisition has driven a 49% YoY asset expansion to $68.9B, but the integration is now testing core profitability. Net interest margin fell to -1.6% in Q2 2026 from 0.8% in Q1, reflecting intense deposit competition an...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue growth has normalized after a 57.2% YoY spike in Q4 2025, but NII declined 2.9% sequentially in Q2 2026 to $1.1B, with NIM compressing to -1.6% from 0.8% and fee income falling to 3.1% of revenue from 10.9%.
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 9/24/2026, 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) |
|---|---|---|
Q3 2026Latest 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 |
Q4 2025 Oct 22, 2025 | $2.58+22.3% vs $2.11 | $699M+5.3% vs $664M |
Shares of SouthState Bank Corporation SSB have gained 12% over the past three months, outperforming the industry's growth of 3.9%. Among its close peers, Regions Financial Corporation RF shares have gained 5.3%, while shares of Flagstar Bank, National Association FLG have lost 4.4% over the same period.
Connor Clark and Lunn Investment Management Ltd. bought a new position in shares of SouthState Bank Corporation (NYSE: SSB) in the second quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The firm bought 9,703 shares of the company's stock, valued at approximately $969,000.
WINTER HAVEN, Fla., Aug. 25, 2026 /PRNewswire/ -- SouthState Bank has been named one of the nation's top-performing large banks by Bank Director, earning the No.
The transaction involved 4,000 shares sold at $108.93 per share for a total value of ~$436,000. The disposition reduced the executive's direct stake in the company by 9%.
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 |
|---|---|---|---|---|---|---|---|
| $101.62 | $9.85B | 12.93 | 60.82% | 21.26% | 10.68% | 2.26% | |
| $15.38 | $31.07B | 11.06 | 10.58% | 16.64% | 8.57% | — | |
| $64.61 | $27.32B | 16.74 | -5.85% | 17.51% | 7.63% | — | |
| $133.85 | $10.17B | 14.66 | 101.23% | 20.67% | 12.17% | — | |
| $69.11 | $4.3B | 10.44 | 0.74% | 38.81% | 12.67% | — | |
| $22.89 | $3.32B | -7.76 | -86.6% | -63.53% | -10.51% | — |
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)
Jul 23, 2026·SEC
Jul 13, 2026·SEC
Jul 6, 2026·SEC
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SouthState Bank Corp. (SSB) stock FAQ — growth, dividends, profitability & financials explained
SouthState Bank Corp. (SSB) grew revenue by 60.8% over the past year. This is strong growth.
Yes, SouthState Bank Corp. (SSB) is profitable, generating $950.2M in net income for fiscal year 2025 (21.3% net margin).
Yes, SouthState Bank Corp. (SSB) pays a dividend with a yield of 2.26%. This makes it attractive for income-focused investors.
SouthState Bank Corp. (SSB) has a return on equity (ROE) of 10.7%. This is reasonable for most industries.
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 40.5%. This is excellent, indicating strong cost control.
