SouthState Corporation/$SSB
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Capital at risk
About SouthState Corporation
SouthState Bank Corp is a United States-based bank holding company. It provides a wide range of services and products to its customers through a wholly-owned bank subsidiary. The Bank provides retail and commercial banking services, mortgage lending services, trust and investment services, and consumer finance loans through financial centers in Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia. These services include demand, time, and savings deposits, lending and credit card servicing, ATM processing, and wealth management and trust services.
- Ticker
- $SSB
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 6,431
- Headquarters
- Winter Haven, United States
- Website
- www.southstatebank.com
SSB Metrics
BasicAdvanced
$10B
10.85
$9.53
0.71
$2.46
2.55%
Price and volume
Market cap
$10B
Beta
0.71
52-week high
$112.20
52-week low
$84.48
Average daily volume
701K
Dividend rate
$2.46
Financial strength
Dividend payout ratio (TTM)
25.03%
Profitability
Net profit margin (TTM)
35.51%
Operating margin (TTM)
51.69%
Effective tax rate (TTM)
22.57%
Revenue per employee (TTM)
$420,000
Management effectiveness
Return on assets (TTM)
1.41%
Return on equity (TTM)
10.60%
Valuation
Price to earnings (TTM)
10.854
Price to revenue (TTM)
3.837
Price to book
1.1
Price to tangible book (TTM)
1.76
Price to free cash flow (TTM)
11.935
Free cash flow yield (TTM)
8.38%
Free cash flow per share (TTM)
8.667
Dividend yield (TTM)
2.38%
Forward dividend yield
2.55%
Growth
Revenue change (TTM)
29.61%
Earnings per share change (TTM)
43.86%
3-year revenue growth (CAGR)
17.64%
3-year earnings per share growth (CAGR)
10.41%
10-year earnings per share growth (CAGR)
8.77%
3-year dividend per share growth (CAGR)
6.27%
10-year dividend per share growth (CAGR)
8.21%
Bulls say / Bears say
Q2 loan growth was $1.4 billion, or 11% annualised, while deposits rose 5% year on year. Net interest income increased 3% sequentially, deposit costs held at 1.76%, and management kept its 2026 net interest income growth guidance at 4%. (PR Newswire, AlphaStreet)
Earnings quality improved: Q2 EPS rose 11% year on year, the efficiency ratio improved to 50%, and net charge-offs were just 0.06% of average loans. SouthState also retired nearly 5% of its shares over the past year and raised its dividend by 11%, supporting per-share compounding. (PR Newswire)
The Independent Bank Group deal is moving from integration towards organic growth: management says the Texas and Colorado franchise is now growing at around 10% to 11%. SouthState has also added roughly 20 net senior leaders in those markets and says it is not seeking another acquisition soon, leaving room to grow without relying on fresh dealmaking. (AlphaStreet, Bank Director)
Reported net interest margin fell to 3.78% from 4.02% a year earlier, while net interest income was slightly lower year on year. Lower mortgage banking income adds another source of pressure, so strong loan volumes may not translate fully into earnings growth. (PR Newswire, South State Corp 10-Q)
Investor commercial real estate accounts for 60% of classified assets, leaving SouthState exposed if property values or borrower cash flow weaken. Current charge-offs are low, but that concentration could make future credit provisions more volatile. (Longbridge, Seeking Alpha)
At about 11.3 times forward earnings and 1.83 times tangible book, the shares are not priced like a distressed regional bank. The valuation already reflects much of the bank’s quality and capital-return story, leaving less upside if earnings momentum slows. (Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 16 Sept 2026.
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Funds containing SSB
AllEURUSDGBP
Fund name | Fund size | $SSB weighting |
|---|---|---|
iShares S&P US Banks€IUS2 | €1B | 1.66% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.3B | 0.29% |
SPDR S&P 400 US Mid Cap£SPX4 | £4.7B | 0.29% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.26% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.26% |
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