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SouthState Corporation

NASDAQ•SSB
CEO: Mr. John C. Corbett
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1997-01-28
SouthState 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. It offers checking accounts, savings deposits, interest-bearing transaction accounts, certificates of deposits, money market accounts, and other time deposits, as well as bond accounting, asset/liability consulting related activities, and other clearing and corporate checking account services. The company also offers commercial real estate loans, residential real estate loans, 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. In addition, it provides debit 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. Further, the company offers safe deposit boxes, bank money orders, wire transfer, brokerage services, and alternative investment products, including annuities, mutual funds, and trust management services; and credit cards, letters of credit, and home equity lines of credit. The company also serves its customers through online, mobile, and telephone banking platforms. The company was formerly known as First Financial Holdings, Inc. and changed its name to SouthState Corporation in July 2013. SouthState Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.
Contact Information
1101 First Street South, Suite 202, Winter Haven, FL, 33880, United States
863-293-4710
www.southstatebank.com
Market Cap
$9.76B
P/E (TTM)
12.4
13.9
Dividend Yield
2.4%
52W High
$108.46
52W Low
$77.74
52W Range
63%
Rank37Top 34.1%
4.4
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.4 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$954.50M+64.92%
4-Quarter Trend

EPS

$2.48+31.22%
4-Quarter Trend

FCF

$85.12M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth Net Income surged 49.3% to $798.7M, driven by Independent merger integration. Efficiency ratio improved to 53.1% from 56.9% year-over-year.
NIM Expansion Driven by Yield Tax-equivalent NIM rose 51 basis points to 3.94% due to a 60 basis point increase in asset yield. Loan portfolio yield reached 5.78%.
Asset Base Expanded Significantly Total assets grew 44.9% to $67.2B following the Independent acquisition. Total deposits increased to $55.1B, supported by assumed balances.
Capital Ratios Remain Strong Capital ratios remain strong despite acquisition impact; Consolidated CET1 ratio stood at 11.36%. All ratios exceed well-capitalized minimums.

Risk Factors

High Commercial Real Estate Exposure Significant loan concentration in CRE (58% of portfolio); weakening real estate market increases default risk and allowance needs.
Interest Rate Risk Exposure Profitability highly dependent on NIM; adverse interest rate shifts or yield curve flattening could compress margins.
Integration Synergy Realization Risk Failure to fully realize expected synergies from Independent merger could negatively impact profitability and growth targets.
Evolving Cybersecurity Compliance Complex, evolving data privacy and cybersecurity regulations increase compliance costs and potential legal liability exposure.

Outlook

Focus on Organic Growth Strategy Strategy focuses on organic growth within footprint and assessing strategic M&A opportunities meeting strict cultural fit criteria.
Key Technology Investment Focus Future success relies on continued significant investment in technology and AI to enhance efficiency and meet evolving customer digital demands.
Stable Credit Quality Expected Management expects credit quality to remain solid but monitors macroeconomic forecasts influencing ACL modeling and provisioning needs.
Sustaining Strong Capital Position Plan to maintain capital ratios well above regulatory minimums while supporting growth and potential future capital deployment actions.

Peer Comparison

Revenue (TTM)

CFG stock ticker logoCFG
$11.15B
-9.7%
WAL stock ticker logoWAL
$5.29B
+5.6%
FHN stock ticker logoFHN
$4.91B
-0.5%

Gross Margin (Latest Quarter)

CFG stock ticker logoCFG
100.0%
+40.1pp
CFR stock ticker logoCFR
76.4%
+0.0pp
SSB stock ticker logoSSB
72.0%
+4.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CFG$25.57B14.27.2%5.0%
FHN$11.53B11.711.1%5.5%
CMA$11.35B16.210.0%6.8%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.2%
Moderate Growth
4Q Net Income CAGR
40.6%
Profitability Improved
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Apr 22, 2026
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LTM
No Data