📊 SSB Key Takeaways
Is SouthState Bank Corp (SSB) a Good Investment?
SouthState Bank demonstrates robust fundamental health with strong revenue growth of 46.7% YoY, excellent balance sheet strength (minimal debt, substantial cash), and solid operating margins of 30.8%. However, net income remained flat despite revenue expansion, indicating integration or cost pressures that require careful monitoring for margin recovery.
Why Buy SouthState Bank Corp Stock? SSB Key Strengths
- Strong revenue growth of 46.7% YoY indicates market expansion and successful integration capability
- Fortress balance sheet with minimal debt (Debt/Equity 0.01x) and $3.2B cash position provides stability
- Solid free cash flow generation of $230.6M with healthy operating margins of 30.8%
SSB Stock Risks: SouthState Bank Corp Investment Risks
- Net income growth stalled at 0% YoY despite 46.7% revenue growth signals margin compression from integration costs or expense pressures
- Return on Equity of 8.8% lags typical industry peers, indicating capital deployment efficiency concerns
- Integration execution risk from significant revenue growth requiring sustained operational discipline
Key Metrics to Watch
- Net income growth trajectory and net margin recovery in subsequent periods
- Return on Equity improvement as integration benefits mature
- Net interest margin trends and cost-to-income ratio optimization
SouthState Bank Corp (SSB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
SSB Profit Margin, ROE & Profitability Analysis
SSB vs Finance Sector: How SouthState Bank Corp Compares
How SouthState Bank Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is SouthState Bank Corp Stock Overvalued? SSB Valuation Analysis 2026
Based on fundamental analysis, SouthState Bank Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
SouthState Bank Corp Balance Sheet: SSB Debt, Cash & Liquidity
SSB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: SouthState Bank Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $6.46 reflects profitable operations.
SSB Revenue Growth, EPS Growth & YoY Performance
SouthState Bank Corp Dividends, Buybacks & Capital Allocation
SSB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for SouthState Bank Corp (CIK: 0000764038)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SSB
What is the AI rating for SSB?
SouthState Bank Corp (SSB) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SSB's key strengths?
Claude: Strong revenue growth of 46.7% YoY indicates market expansion and successful integration capability. Fortress balance sheet with minimal debt (Debt/Equity 0.01x) and $3.2B cash position provides stability.
What are the risks of investing in SSB?
Claude: Net income growth stalled at 0% YoY despite 46.7% revenue growth signals margin compression from integration costs or expense pressures. Return on Equity of 8.8% lags typical industry peers, indicating capital deployment efficiency concerns.
What is SSB's revenue and growth?
SouthState Bank Corp reported revenue of $3.4B.
Does SSB pay dividends?
SouthState Bank Corp pays dividends, with $231.3M distributed to shareholders in the trailing twelve months.
Where can I find SSB SEC filings?
Official SEC filings for SouthState Bank Corp (CIK: 0000764038) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SSB's EPS?
SouthState Bank Corp has a diluted EPS of $7.87.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is SSB a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, SouthState Bank Corp has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is SSB stock overvalued or undervalued?
Valuation metrics for SSB: ROE of 8.8% (sector avg: 12%), net margin of 23.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy SSB stock in 2026?
Our dual AI analysis gives SouthState Bank Corp a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SSB's free cash flow?
SouthState Bank Corp's operating cash flow is $300.8M, with capital expenditures of $70.3M. FCF margin is 6.8%.
How does SSB compare to other Finance stocks?
Vs Finance sector averages: Net margin 23.6% (avg: 25%), ROE 8.8% (avg: 12%), current ratio N/A (avg: 1.2).