📈 Price History

Ratio Health

— Excellent

— Good

— Average

— Poor

By Category

📊 Peer Medians

About

SouthState Bank Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and products to individuals and companies in the United States. The company offers checking accounts, savings accounts, money market accounts, and time deposit accounts; interest-bearing deposits, certificates of deposits, and other time deposits; and interest-bearing transaction accounts. It provides bond accounting services for correspondents, asset/liability consulting related activities, international wires, and other clearing and corporate checking account services. In addition, the company offers commercial real estate, residential real estate, and commercial and industrial loans, as well as consumer loans, including auto, boat, and personal installment, as well as business, agriculture, real estate-secured (mortgage), home improvement, and manufactured housing loans. Further, it provides debit and credit card, mobile services, funds transfer products and services, and treasury management services comprising merchant, automated clearing house, lock-box, remote deposit capture, and other treasury services, as well as asset and wealth management, and other fiduciary and private banking services. Additionally, the company offers safe deposit boxes, bank money orders, wire transfer and ACH services, brokerage services, and alternative investment products, such as annuities and mutual funds, trust and asset management services; letters of credit and home equity lines of credit; and online, mobile, and telephone banking platforms. The company was formerly known as SouthState Corporation and changed its name to SouthState Bank Corporation in September 2025. SouthState Bank Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.

Key Ratios Snapshot

📈 Growth Pattern

⚡ Latest Quarter —

See full financials →

📊 Quick Scorecard

Loading…

⭐ Superinvestors Holding SSB

View All Superinvestors →

Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	32.9K	$3.0M	0.00%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔍 Concall Decoded

🎙 Management Tone Tracker Confident Specific → Stable 3 quarters analysed

Q3 2025

Confident Specific

Management explicitly stated 'pleased to report a strong third quarter', 'earnings per share up 30%', and 'return on tangible equity of 20%'. They provided detailed guidance on margin, accretion, deposit beta, and growth plans, using specific numbers like $3.4 billion loan production and $347 million PP&R.

Q4 2025

Confident Specific

Management used precise figures such as 'double-digit growth in both earnings per share and tangible book value per share', 'return on tangible common equity of approximately 20%', and 'efficiency ratio remained below 50%' to underscore strong performance. CEO John Corbett repeatedly emphasized successful integration and opportunistic share repurchases with no defensive or cautious language.

Q1 2026 latest

Confident Specific

Management repeatedly cited specific metrics (1.37% ROA, 17.6% ROTCE, 7.5% annualized loan growth, 33% pipeline increase, $1.1B production in Texas/Colorado) and affirmed strategic priorities with concrete progress, though slightly cautious on NIM guidance due to deposit costs and removal of rate cuts.

Guidance Reliability Pending · <3Q data

Investor Lens

The investment thesis remains intact and arguably stronger given the concrete momentum in loan growth and recruiting, particularly in the high-growth Texas/Colorado markets where production doubled year-over-year. The downward revision to NIM guidance (3.75%-3.80% vs 3.80%-3.90%) is a modest headwind, but management frames it as a short-term trade-off for higher growth that will lift NII in 2027. The capital return program, with nearly 4% of shares retired at attractive levels, supports tangible book growth (up 14% YoY) and shareholder value. Risks to watch next quarter: whether deposit costs remain elevated as the flat rate environment persists, how quickly new hires assimilate and contribute to revenue, and any credit deterioration in the lower-income consumer or small business portfolio. Overall, the call reinforces confidence in the bank's execution and long-term compounding model.

AI-generated concall tone analysis · Updated 2026-06-08 · Not investment advice

📐

3-Statement Financial Model

Bear / Base / Bull projections · DCF fair value · Reverse-DCF

Open Model →

🎙 Management Tone Confident Specific → Stable 3 quarters Full tone analysis in Intelligence →

📊 MIXED SouthState Q1 2026: ROA 1.37%, ROTCE 17.6%, loan growth 7.5%, pipelines up 33%.

Revenue & Profitability

Q1 2026 net interest income was $562 million, down $19 million from Q4 due to day count. Non-interest income was $100 million, at the high end of guidance. Net charge-offs were $10 million (9 basis points annualized). Loan growth was $896 million (7.5% annualized). The net interest margin was 3.79%, slightly below the 3.80-3.90% guidance. The company repurchased 1.5 million shares at an average price of $100.84, with CET1 at 11.3% and tangible book value per share of $56.90 (up 14% YoY).

Outlook

Management noted a yield curve environment more favorable to balance sheet growth, with consolidation disruption in their markets creating hiring opportunities. They see a decent chance of achieving the higher end of mid-to-upper single-digit loan growth for 2026. Deposit competition is expected to remain elevated given the rate environment, but they anticipate ease when a rate-cutting cycle resumes.

Growth Drivers

Key growth levers include expanding the commercial banking sales force by 10-15% over the next couple of years, with a 7% team increase since October 1. Texas and Colorado markets drove strong growth: loan production doubled year-over-year from $500 million to $1.1 billion, with Houston being the top growth market. Loan pipelines grew 33% from year-end to $6.4 billion, two-thirds of which came from Florida, Texas, and Colorado.

Balance Sheet & CapEx

The company is investing in artificial intelligence by deploying Copilot licenses and using AI tools from existing major software providers. Incremental costs are relatively small, and the focus is on reengineering processes for speed and scalability. On investment securities, the portfolio is not expected to expand significantly; about $900 million matures through end of 2026, which can be reinvested at roughly 100 basis points higher yield.

Margins

Net interest margin was 3.79% in Q1 2026, slightly below guidance due to higher deposit costs. Full-year NIM is now expected in the 375-380 range, with lower NII dollars in 2026 but catch-up in 2027 from higher growth. Non-interest income to average assets remains guided at 55-60 basis points (Q1 hit 61 bps). NIE guidance is unchanged at roughly 4% growth for the year.

Key Risks

Risks flagged include elevated deposit competition and a volatile yield curve, which could pressure funding costs. Management also mentioned potential credit weakness in lower-income consumers and floating-rate SBA small business loans due to the 5% rate shock, though losses are mitigated by low loan-to-values and government guarantees. The company's share price is seen as disconnected from fundamental performance, leading to active buybacks.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

🔍

🔎 See cross-company document search → ?

📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-24

Q2 2026 saw strong financial performance with stable margins, robust loan and deposit growth, and continued credit quality. Guidance remains unchanged, with stable NIM, disciplined capital returns, and ongoing investments in talent and AI.

Q1 2026 Q1 2026 2026-04-24

Delivered strong Q1 returns with robust loan growth, especially in Texas and Colorado, and continued aggressive share repurchases. NIM guidance was revised slightly lower due to deposit competition, but capital and credit quality remain strong.

Q4 2025 Q4 2025 2026-01-23

Integration of a major acquisition drove over 30% EPS growth and double-digit tangible book value gains. Q4 saw strong loan and deposit growth, robust capital markets performance, and aggressive share repurchases. 2026 guidance calls for stable margins, mid to upper single-digit loan growth, and continued investment in talent and technology.

Q3 2025 Q3 2025 2025-10-23

Q3 saw 30% EPS growth year-over-year, strong loan production, and stable credit metrics. Guidance calls for mid-single-digit loan growth, NIM of $3.80-$3.90 in 2026, and continued capital strength, with a focus on organic growth and share buybacks.

Q2 2025 Q2 2025 2025-07-25

Integration of Independent Financial drove strong loan growth and expansion into Texas and Colorado, with robust earnings, improved efficiency, and an 11% dividend increase. NIM and loan yields exceeded guidance, and capital strength supports further growth and potential buybacks.

📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

🎯

Discover Our Proven Investment Framework Learn how we analyze and rank stocks using advanced quantitative models, multi-dimensional scoring systems, and dynamic discriminatory ranking techniques that have guided successful investment decisions across market cycles.

📊 Explore The Finmagine™ Methodology

A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Not SEC-Registered:
Finmagine is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority. Nothing on this platform constitutes investment advice as defined under the Investment Advisers Act of 1940.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This analysis may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. Finmagine does not undertake any obligation to update such statements in the future.

Limitation of Liability:
The content is provided "as is" without any warranties, express or implied. Finmagine expressly disclaims any liability for errors, omissions, or any losses incurred as a result of reliance on the information provided. Readers assume full responsibility for their investment decisions.