SouthState Bank Corp.

SSB

$107.11

+0.77%

2026-09-03 16:00:03 EDT+$0.82

Financial Services

Banks - Regional

NYSE

Active Trading

SouthState Bank Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and ...

Price Action of SSB

$107.11

+0.77%+$0.82

High—

Low—

52W High-4.5%

Rel. vol—

Interval

Range6.3h

Volume—SMA5SMA10

—

SouthState Bank Corporation (NYSE: SSB) is a financial services company headquartered in Winter Haven, Florida. It operates as a bank holding company for SouthState Bank, National Association, which provides a comprehensive suite of banking products and services. The company was founded in 1933 and has a long history of community ...SouthState Bank Corporation (NYSE: SSB) is a financial services company headquartered in Winter Haven, Florida. It operates as a bank holding company for SouthState Bank, National Association, which provides a comprehensive suite of banking products and services. The company was founded in 1933 and has a long history of community banking, with a focus on innovation and personalized service. As of the latest data, it employs approximately 6,190 full-time employees and serves a broad customer base across the southeastern United States. Business and Products: SouthState offers checking and savings accounts, money market accounts, time deposits, certificates of deposit, and interest-bearing transaction accounts. It provides commercial real estate, residential real estate, commercial and industrial loans, consumer loans (auto, boat, personal installment), agriculture, mortgage, home improvement, and manufactured housing loans. The bank also offers debit and credit cards, mobile banking, funds transfer services, treasury management (merchant services, ACH, lock-box, remote deposit capture), asset and wealth management, fiduciary and private banking services, brokerage services, and alternative investment products like annuities and mutual funds. Financial Performance: SouthState has a strong financial position with total assets of approximately $46.4 billion (as of 2024) and total equity of $5.9 billion. It trades on the New York Stock Exchange under the ticker SSB. Key financial metrics for the trailing twelve months include a market cap of ~$10.48 billion, price-to-earnings ratio of ~11.3, return on equity of 10.5%, net profit margin of 29.3%, and a dividend yield of 2.3% with a modest payout ratio of 31.5%. Recent Developments: The company recently completed a merger with Independent Financial, creating the 47th largest bank in the United States, further expanding its footprint. It was formerly known as SouthState Corporation and changed its name to SouthState Bank Corporation in September 2025. Key People: The CEO and Chair of the Board is John C. Corbett, who has been with the company since 1999. Other leaders include Holding Company President Richard Murray and Commercial Leadership Team members like Chris Kamienski. Growth Strategy: SouthState aims to 'Always Bank Forward' by providing innovative banking solutions, investing in technology, and maintaining deep community roots. The company focuses on steady growth through organic expansion and strategic mergers, while delivering value to shareholders and supporting the communities it serves.ExpandCollapse

Founded

1933

Employees

6431

CEO

John C. Corbett

Full Name

SouthState Bank Corp.

Sector

Financial Services

Industry

Banks - Regional

ROE

10.49%

Market Cap

$10.39B

Current Ratio

0.13

WACC

13.94%

ROIC

-1.41%

Contact Information

https://www.southstatebank.com

863 293 4710

1101 First Street South, Winter Haven, FL 33880

Key Metrics of SSB

Snapshot

Latest / TTM · 6 periods

Market Cap

$10.39B

ROCE

7.6%

EV / EBITDA

12.71x

+4.7% YoY

FCF Yield

7.5%

+13.3% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.13

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of SSB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

66.5%

Net Margin

29.3%

P/E Ratio

11.18x

n/a

Debt / Equity

0.17

n/a

Current Ratio

0.13

Dividend Yield

2.3%

Understanding

TTM —

Current ratio below 1.0

Calendar of SSB

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $2.39 · Revenue $690.46M · 9 analysts
Oct 21, 2026In 47 days
Q3 FY2026 · Earnings report
Est. EPS $2.40
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $2.43 · Revenue $701.65M · 9 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $9.45 · Revenue $2.73B · 10 analysts

Recent history

Aug 14, 2026
Dividend payment
$2.40 per share
Aug 7, 2026
Ex-dividend date
$2.40 per share
Jul 31, 2026
Q2 FY2026 · Results reported
EPS $2.36 · Revenue $395.43M
View filing
May 1, 2026
Q1 FY2026 · Results reported
EPS $2.28 · Revenue $916.93M
View filing
Feb 20, 2026
FY2025 · Annual results
EPS $7.86 · Revenue $3.76B
View filing
Oct 31, 2025
Q3 FY2025 · Results reported
EPS $2.42 · Revenue $980.77M
View filing

Financial Statements of SSB

Next Earnings Date

Oct 21, 2026

EPS Est. 2.4 · Fiscal period ending 2026-09-30

D-47

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$3.8B	+57.0%	-56.9%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$798.7M	+49.3%	+1.9%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+68.3%	-0.9%	-53.9%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+27.9%	-4.8%	-175.2%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+21.3%	-4.9%	+136.2%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$-542.0M	-213.8%	-8.0%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	-14.4%	-172.5%	+113.3%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	14.5%	-4.6%	+15.6%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.22x	+832.6%	-98.9%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$67.2B	+44.9%	+1.4%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	7.86 vs 7.66	+2.7%	2.36 vs 2.31	+2.4%
Revenue Surprise	$3.8B vs $2.7B	+41.0%	$395.4M vs $676.8M	-41.6%

Insider Transactions of SSB

Acquisitions (A)

Since Aug 3, 2026

Disposals (D)

Since Aug 3, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 19, 2026	MATTHEWS WILLIAM E V	officer: Chief Financial Officer	Common Stock	D	4,000	$108.93
Aug 14, 2026	MURRAY RICHARD IV	officer: President	Common Stock	D	1,000	—
Aug 12, 2026	YOUNG STEPHEN DEAN	officer: Chief Strategy Officer	Common Stock	D	3,000	—
Aug 12, 2026	Corbett John C	director, officer: CEO	Common Stock	D	5,000	—
Aug 5, 2026	Brooks David R	director	Common Stock	D	18,000	$110.00

Earnings Call Transcript of SSB

1 transcript segments

Q2 2026

Unknown Speaker

Will Matthews: Any such forward-looking statements we may make are subject to the safe harbor rules. Please review the forward-looking disclaimer and safe harbor language in the press release and presentation for more information about our forward-looking statements and risks and uncertainties which may affect us. Now I'll turn the call over to you, John. John Corbett: Thanks, Will. Good morning, everyone, and thank you for joining us. SouthState delivered another strong quarter. We generated a return on assets of 1.36% and a return on tangible common equity of 17.6%, which extends the consistent high performance over the last several quarters. Our results reflect solid balance sheet growth, stable margins, improving efficiency, and continued strength in credit quality. As we reach the midpoint of 2026, I'm encouraged by the progress we're making against the four priorities we outlined at the beginning of the year. Attracting top talent, growing the balance sheet, creating value through disciplined capital allocation, and building artificial intelligence capabilities throughout the company. Starting with talent. SouthState's culture continues to be a differentiator. In a period of meaningful disruption across many of our markets, bankers are looking for a platform that empowers local decision-making, values long-term relationships, and creates opportunities for growth. Our division presidents have successfully expanded our commercial banking sales force by more than 10% in just the last three quarters, and we continue to be impressed by both the quality and diversity of talent joining the franchise. These are experienced relationship managers who understand our markets, fit our culture, and position us for future growth. That recruiting success is an investment in the company's future, and it's directly supporting our second priority, meaningful balance sheet growth. Over the last year, loans have grown 8% and deposits have grown 5%, both within the range of guidance we provided. There's been considerable discussion this quarter around the balance between growth and incremental profitability, and that's an important conversation, and frankly, it's one that we have every quarter. Our responsibility as capital managers is to balance three objectives simultaneously, soundness, profitability, and growth. We don't optimize for one quarter. We optimize for long-term shareholder value. That requires discipline, judgment, particularly when opportunities are abundant. One thing we're confident in is that we'd rather operate in vibrant, growing markets than be forced to manufacture growth where it doesn't naturally exist. Strong markets give us options. They allow us to be selective, compete where we have advantages, and build profitable relationships that create value over many years. Our bankers and our footprint continue to provide those opportunities. Equally important, we're maintaining our commitment to soundness. Asset quality improved during the …

Leadership Team of SSB

10 executives

Name	Title	Compensation	Gender	Year Born	Status
John C. Corbett	CEO & Chairman	USD 4,577,205	Male	1969	Active
Stephen Dean Young	Senior Executive Vice President & Chief Strategy Officer	USD 2,283,298	Male	1977	Active
William E. Matthews	Senior Executive Vice President & Chief Financial Officer	USD 1,682,065	Male	1965	Active
Richard Murray	President & Chief Banking Officer	USD 1,598,609	Male	1963	Active
Renee R. Brooks	Chief Operating Officer	USD 1,577,127	Female	1970	Active
Sara G. Arana	Senior Vice President & Chief Accounting Officer	—	Female	1983	Active
V. Nicole Comer	Senior Vice President & Deputy General Counsel	—	Female	—	Active
Jonathan S. Kivett	Chief Credit Officer of Central & Northern Banking Group	—	Male	1974	Active
Beth S. DeSimone	Chief Risk Officer, General Counsel & Corporate Secretary	—	Female	1960	Active
John C. Pollok	Senior Executive Vice President	—	Male	1966	Active

Recent News of SSB

Benzinga7/28/2026Neutral

These Analysts Boost Their Forecasts On SouthState Bank Following Upbeat Q2 Earnings

SouthState Bank Corp (NYSE:SSB) reported better-than-expected second-quarter earnings, after the closing bell on Thursday.

Defense World7/26/2026Neutral

SouthState Bank Q2 Earnings Call Highlights

SouthState Bank (NYSE: SSB) reported second-quarter 2026 results marked by continued loan growth, stable net interest margin, low credit losses and ongoing investment in banker recruiting and artificial intelligence initiatives. Chief Executive Officer John Corbett said the company generated a 1.36% return on assets and a 17.6% return on tangible common equity during the quarter. He

Seeking Alpha7/24/2026Neutral

SouthState Bank Corporation (SSB) Q2 2026 Earnings Call Transcript

MarketBeat7/24/2026Neutral

SouthState Bank Q2 Earnings Call Highlights

SouthState Bank NYSE: SSB reported second-quarter 2026 results marked by continued loan growth, stable net interest margin, low credit losses and ongoing investment in banker recruiting and artificial intelligence initiatives.

Zacks Investment Research7/24/2026Neutral

SouthState Q2 Earnings Beat Estimates, Revenues Miss on Lower NII

SSB topped Q2 earnings estimates despite a revenue miss as growth in non-interest income, loans and deposits offset pressure on NII and margins.

Historical Employee Count of SSB

Current

6,190

Change

+24.15%

Minimum

4,921

Maximum

6,190

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	6,190	10-K	Feb 20, 2026	View
Dec 31, 2024	4,986	10-K	Feb 21, 2025	View
Dec 31, 2023	5,070	10-K	Mar 4, 2024	View
Dec 31, 2022	4,921	10-K	Feb 24, 2023	View
Dec 31, 2021	4,929	10-K	Feb 25, 2022	View

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SouthState Bank Corp.