SouthState Bank Corp. (SSB)
Valuation Overview•Is SouthState Bank Corp. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 63/100, reflecting stable operating margins and manageable leverage.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
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Verdict: Solid fundamental quality, though solvency presents a headwind.
Wall Street is highly bullish, projecting significant upside. This is paired with healthy capital returns, driven by a balanced mix of reliable dividends and share buybacks.
SSB demonstrates strong business quality with robust profitability and healthy margins. This is paired with a moderately leveraged but stable balance sheet.
The company is driving exceptional top-line expansion (18.4% 3Y CAGR) paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 25.9% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $133.1M | +60.8% | +18.4% | +18.9% | +23.6% | |
| EBITDA | -$133.2M | — | +18.8% | — | — | |
| Net Income | $230.0M | +49.3% | +17.2% | — | +23.2% | |
| EPS (Diluted) | $2.36 | +12.8% | +6.0% | +29.1% | +6.7% | |
| Free Cash Flow | $260.3M | -213.8% | — | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 66.5% | 69.9% | 81.8% | 85.1% |
| Operating Margin | 25.9% | 28.6% | 33.3% | 30.2% |
| Net Margin | 29.3% | 22.1% | 25.9% | 22.8% |
| FCF Margin | 24.1% | 9.5% | 31.7% | 31.9% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q3'26Latest | $2.31 | $2.35 | +1.7% | ||
| Q2'26 | $2.20 | $2.28 | +3.6% | ||
| Q1'26 | $2.30 | $2.47 | +7.4% | ||
| Q4'25 | $2.11 | $2.58 | +22.3% | ||
| Q3'25 | $2.00 | $2.30 | +15.0% | ||
| Q2'25 | $1.43 | $2.15 | +50.3% | ||
| Q1'25 | $1.75 | $1.93 | +10.3% | ||
| Q4'24 | $1.64 | $1.90 | +15.9% |
Total return is +3.8% (1Y), lagging the benchmark by -12.0%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +9.8% | -2.6% | — |
| 1Y | +3.8% | -12.0% | +2.5% |
| 3YCAGR | +16.4% | -3.7% | +9.9% |
| 5YCAGR | +10.3% | -0.2% | +15.6% |
| 10YCAGR | +4.8% | -8.7% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about SouthState Bank Corp. (SSB) valuation, health, and returns.
SouthState Bank Corp. is estimated to be fair under our discounted cash flow framework. relative multiples indicate the stock is Cheap versus peers compared to industry peers. trading near fair value (DCF: $104.38)
SouthState Bank Corp. has multiple valuation anchors: DCF Intrinsic Value: $104.38 | Peer Relative Fair Value: $127.95 | Wall Street Analyst Target: $117.50 (implying +15.6% upside). A convergence of these signals offers higher conviction.
SouthState Bank Corp. displays good financial health with a composite quality score of 63/100, supported by a Piotroski F-Score of 4/9, Return on Invested Capital (ROIC) of 9.2%.
SouthState Bank Corp. pays a 2.3% dividend yield, covered by a 29% payout ratio with 14 years of growth, supplemented by a 2.4% buyback yield.
SouthState Bank Corp.'s current growth trajectory is Accelerating. The company achieved +60.8% 1Y revenue growth and +12.8% 1Y EPS growth, compared to its 3Y revenue CAGR of +18.4%.
Wall Street consensus is Buy based on 20 analysts, beating EPS expectations in 92% of recent quarters with a 11-quarter streak. The consensus price target represents a +15.6% change from current levels.
Investment risks for SouthState Bank Corp. include: -17.8% 1-year max drawdown. Volatility risk is characterized by a beta of 0.67x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.