Stocks · Financial Services · Banks - Regional
SouthState Bank Corp. SSB
$101.91 +1.29% Close, Oct 2, 2026 · NYSE · Market cap $9.88B
Strong growth
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 11 quarters (average surprise over the last four: +8.8%).
- Diluted EPS over the last four quarters was $9.52, up 41.7% year over year.
- The shares trade at 10.7× trailing earnings, lower than 86% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth81Strong
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 47%
- EPS growth (TTM, YoY)Top 25%
- FCF growth (TTM, YoY)Top 1%
- Revenue growth, 3-year CAGRTop 15%
- Revenue growth accelerationBottom 4%
Quality33Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 13%
- Gross marginTop 47%
- Operating marginTop 38%
- Cash conversion (OCF / net income)Bottom 32%
- Accruals (lower is better)Bottom 29%
- Net debt / EBITDA (lower is better)Top 46%
- Interest coverBottom 43%
Value78Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 21%
- Free-cash-flow yieldTop 50%
- EBITDA / enterprise valueTop 39%
- Sales / enterprise valueBottom 47%
- P/E vs own 5-year history (lower is better)Top 14%
Momentum46Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 48%
- 6-month returnTop 43%
- 1-year return vs S&P 500Bottom 43%
- Distance from 52-week highTop 45%
- Trend checklist (0–4)Top 48%
Revisions90Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 32%
- Consecutive EPS beatsTop 8%
- Share of analysts rating BuyTop 21%
- Upside to consensus price targetBottom 50%
Stability45Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 40%
- Maximum drawdown, 3 yearsTop 48%
- Beta vs S&P 500 (lower is better)Bottom 23%
- Net debt / EBITDA (lower is better)Top 46%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 40.0% | 7.5% | ↓ |
| EPS growth (YoY) | 46.2% | 41.7% | ↓ |
| Gross margin | 66.7% | 66.5% | ↓ |
| Operating margin | 25.7% | 25.9% | ↑ |
| FCF margin | 0.0% | 24.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 7.5% | 40.0% | ↓ | Top 47% |
| EPS growth (TTM, YoY) | 41.7% | 46.2% | ↓ | Top 25% |
| Gross margin | 66.5% | 66.7% | ↓ | Top 47% |
| Operating margin | 25.9% | 25.7% | ↑ | Top 38% |
| Net margin | 29.3% | 19.6% | ↑ | — |
| Free-cash-flow margin | 24.1% | 0.0% | ↑ | — |
| Return on invested capital | -1.5% | — | Bottom 13% | |
| Revenue growth, 3-year CAGR | 30.9% | — | Top 15% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.84×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.03×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.42%
- Net buyback yield (TTM)
- 4.82%
- Shareholder yield
- 7.24%
- Share count change, 1 year
- -3.5%
- Share count change, 3-year CAGR
- +8.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 11
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +8.8%
- Average 2-day reaction, last 8
- -0.1%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $117.50
- Target vs current price
- +15.3%
- Analysts with a rating
- 20
- Share rating Buy or Strong Buy
- 70%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +1.7% | -0.9% | +3.4% | +4.8% | — |
| Apr 23, 2026 | +3.6% | +0.6% | -1.0% | -3.1% | +4.9% |
| Jan 22, 2026 | +7.4% | -0.0% | +0.4% | +3.0% | -0.6% |
| Oct 22, 2025 | +22.3% | -0.7% | -5.1% | -8.9% | +4.1% |
| Jul 24, 2025 | +15.0% | +0.7% | -1.3% | -0.6% | -6.0% |
| Apr 24, 2025 | +50.3% | +1.2% | -2.1% | -0.9% | +9.4% |
| Jan 23, 2025 | +10.3% | -0.9% | +7.1% | +1.9% | -14.7% |
| Oct 23, 2024 | +15.9% | -0.6% | +1.1% | +8.1% | +3.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $2.35 | $2.31 | +1.7% | $672.7M |
| Apr 23, 2026 | $2.28 | $2.20 | +3.6% | $661.7M |
| Jan 22, 2026 | $2.47 | $2.30 | +7.4% | $686.9M |
| Oct 22, 2025 | $2.58 | $2.11 | +22.3% | $698.8M |
| Jul 24, 2025 | $2.30 | $2.00 | +15.0% | $664.8M |
| Apr 24, 2025 | $2.15 | $1.43 | +50.3% | $630.6M |
| Jan 23, 2025 | $1.93 | $1.75 | +10.3% | $450.4M |
| Oct 23, 2024 | $1.90 | $1.64 | +15.9% | $426.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.7× | 12.9× | 14th | Top 21% |
| P/E (forward) | 10.8× | — | — | — |
| EV / EBITDA | 12.1× | — | — | Top 39% |
| EV / Sales | 3.33× | — | — | Bottom 47% |
| Free-cash-flow yield | 7.93% | — | — | Top 50% |
| Earnings yield | 9.34% | — | — | Top 21% |
P/E over the past five years
Range 9.3× – 15.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +3.5%
- Earnings per share growth (TTM)
- +41.7%
- Change in P/E multiple
- -20.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 2
- 50-day average slope (20 days)
- +1.0%
- 200-day average slope (20 days)
- +1.3%
- Distance from 50-day average
- -3.7%
- Distance from 200-day average
- +2.3%
- RSI (14)
- 42.7
- Relative volume
- 0.94×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 18.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.96
- Correlation with S&P 500
- 0.56
- Current drawdown from 1-year high
- -8.7%
- Maximum drawdown, 3 years
- -28.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 16, 2023 | -35.2% | 334 days | 297 days (Jul 23, 2024) |
| Mar 12, 2021 | Sep 20, 2021 | -30.5% | 132 days | 82 days (Jan 14, 2022) |
| Nov 25, 2024 | Apr 8, 2025 | -28.0% | 90 days | Not yet recovered |
| Jan 7, 2021 | Jan 29, 2021 | -14.6% | 15 days | 14 days (Feb 19, 2021) |
| Jul 26, 2024 | Aug 12, 2024 | -13.0% | 11 days | 27 days (Sep 19, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $9.88B
- P/E (TTM)
- 10.7
- EPS, diluted (TTM)
- $9.52
- Revenue (TTM)
- $3.25B
- Dividend yield
- 2.41%
- 52-week range
- $84.48 – $112.20
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.42B | $1.67B | $2.19B | $2.39B | $3.76B |
| Gross profit | $1.53B | $1.53B | $1.59B | $1.65B | $2.57B |
| Operating income | $604.3M | $633.4M | $630.9M | $700.2M | $1.05B |
| Net income | $475.5M | $496.0M | $494.3M | $534.8M | $798.7M |
| EPS (diluted) | $6.71 | $6.60 | $6.46 | $6.97 | $7.86 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $619.1M | $578.8M | $894.7M | $927.3M | $980.8M | $954.5M | $916.9M | $395.4M |
| Net income | $143.2M | $144.2M | $89.1M | $215.2M | $246.6M | $247.7M | $225.8M | $230.0M |
| EPS (diluted) | $1.86 | $1.88 | $0.87 | $2.11 | $2.42 | $2.46 | $2.28 | $2.36 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $415.7M | $1.73B | $546.8M | $512.0M | -$471.8M |
| Capital expenditure | -$28.4M | -$17.7M | -$38.9M | -$35.8M | -$70.3M |
| Free cash flow | $387.3M | $1.71B | $507.9M | $476.2M | -$542.0M |
| Dividends paid | -$135.3M | -$146.7M | -$156.2M | -$162.9M | -$231.3M |
| Net share buybacks | -$145.0M | -$116.5M | -$13.3M | -$13.5M | -$230.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $7.25B
- Total assets
- $68.91B
- Total liabilities
- $59.78B
- Total debt
- $1.57B
- Net debt
- $917.2M
- Shareholders’ equity
- $9.13B
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 7, 2026 | $0.66 | Aug 14, 2026 |
| May 8, 2026 | $0.60 | May 15, 2026 |
| Feb 6, 2026 | $0.60 | Feb 13, 2026 |
| Nov 7, 2025 | $0.60 | Nov 14, 2025 |
| Aug 8, 2025 | $0.60 | Aug 15, 2025 |
| May 9, 2025 | $0.54 | May 16, 2025 |
| Feb 7, 2025 | $0.54 | Feb 14, 2025 |
| Nov 8, 2024 | $0.54 | Nov 15, 2024 |
Short interest
- Shares sold short
- 3,059,424
- Days to cover
- 4.93
- Change vs previous report
- +6.1%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 7, 2007
- 21-for-20
- Dec 20, 2004
- 21-for-20
- Nov 20, 2002
- 11-for-10
- Oct 29, 1998
- 11-for-10
- Jun 2, 1997
- 2-for-1