SouthState Bank Corporation (SSB) Stock Analysis
P/E 10.84×· 5Y range 9.14–17.33×· bottom 10% of history
Sector: Financial Services · Industry: State Commercial Banks
AnalystsStrong Buy18 analystsStrengths
- ✓Revenue CAGR 13.3% — durable top-line growth
- ✓P/E 10.8× at bottom 10% of 5-year history
Risks
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠SBC 11.3% of revenue — real dilution cost
Price History
5-Year Weekly Candlestick Chart
Profile
financial health lags behind.
How is each axis scored?
- Valuation55/100 · Moderate
- P/E vs own history (10th pct)25/25
- FCF yield (6.6%)20/25
- P/S (29.4x)0/25
- EV/EBIT (n/a)10/25
- Growth58/100 · Moderate
- Revenue CAGR (13.3%)20/25
- Net income CAGR (13.8%)20/25
- EPS CAGR 5Y (4.1%)6/25
- Fwd implied growth (7.1%)12/25
- Profitability74/100 · Moderate
- ROIC (10.6%)12/25
- ROE (10.4%)12/25
- Net margin (277.0%)25/25
- Operating margin (358.4%)25/25
- Financial Health28/100 · Weak
- Altman Z (0.10)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (n/a)0/25
- Quality52/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.07)12/25
- FCF conversion (108%)25/25
- Margin stability (n/a)0/25
About SouthState Bank Corporation
SouthState Bank Corp is a United States-based bank holding company. Show more
It provides a wide range of services and products to its customers through a wholly-owned bank subsidiary. The Bank provides retail and commercial banking services, mortgage lending services, trust and investment services, and consumer finance loans through financial centers in Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia. These services include demand, time, and savings deposits, lending and credit card servicing, ATM processing, and wealth management and trust services.
Headquarters: WINTER HAVEN, FL · Employees: 6,431 · Website ↗
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
55CP/E (TTM)10.8xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 9.1x–17.3x · 10th pct
P/FCF11.5xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.6%A
Grade A: ValueTTM FCF / Market Cap — vs own 5Y history: 2.8%–33.0% · 27th pct
P/S (TTM)29.43xD
Grade D: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 2.9x–5.3x · highest in history
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E10.1xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.10xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.04B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.41%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio29.0%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
74B+ROIC10.6%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE10.4%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.4%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin277.0%A
Grade A: HighNet Income / Revenue
Operating Margin358.4%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin33.7%A
Grade A: HighFCF / Revenue
True FCF Margin182.0%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
58CRevenue CAGR13.3%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR13.8%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)4.1%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth7.1%B
Grade B: LowImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)+38.4%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income4.1%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue11.3%D
Grade D: HighTTM stock-based comp / TTM Revenue
Financial Health
28EAltman Z-Score0.10D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment0.8yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.15xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
52CPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.07C
Grade C: Gray zoneEarnings manipulation risk. < -2.22 Safe
FCF Conversion107.7%A
Grade A: StrongFCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue21.8%D
Grade D: HeavyTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$9.46
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$7.24
Cash & short-term investments per share (Finnhub)
Book Value / Share$91.38
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$9.03B
Shareholders' equity (book value)
Asset / Liability1.15xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$9.94B
Current Market Capitalization
Beta0.79B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Takes ~0.8 years to repay net debt from free cash flow. · Current P/E of 13.0x sits at the 68th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 27, 2026
Key Insights: SouthState Bank Corporation (SSB)
SSB is up 0.55% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for SouthState Bank Corporation. Altman Z-Score of 0.10 is below the 1.81 distress threshold — an elevated financial-risk flag.
- SouthState Bank Corporation converts about 34% of revenue into free cash flow — strong cash generation.
- Takes ~0.8 years to repay net debt from free cash flow.
- The stock currently yields 2.4% in dividends.
Insider Transactions
Recent SEC Form 4 filings · 8 records
| Transaction date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MATTHEWS WILLIAM E V Filed | MATTHEWS WILLIAM E V | SellOpen market sale | -4000 | |
MURRAY RICHARD IV Filed | MURRAY RICHARD IV | SellGift | -1000 | |
YOUNG STEPHEN DEAN Filed | YOUNG STEPHEN DEAN | SellGift | -3000 | |
Corbett John C Filed | Corbett John C | SellGift | -5000 | |
Brooks David R Filed | Brooks David R | SellOpen market sale | -3750 |
Show 3 more filingsShow fewer filings
| Transaction date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Brooks David R Filed | Brooks David R | SellOpen market sale | -1100 | |
Brooks David R Filed | Brooks David R | SellOpen market sale | -1800 | |
Brooks David R Filed | Brooks David R | SellOpen market sale | -18000 |
See how SSB ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for SSB in the last 30 days.
See SSB move history →Frequently Asked Questions about SSB
What is the current SouthState Bank Corporation (SSB) stock price?
SSB is trading at $102.46 at the last market close, up 0.55% on the session. PreMarketPrice tracks SSB pre-market, intraday and after-hours prices.
Is SSB stock a buy right now?
PreMarketPrice's quantitative model rates SouthState Bank Corporation's financial health at 28/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is SSB stock overvalued?
SouthState Bank Corporation trades at a trailing P/E of 10.8 and our valuation score rates it 55/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does SouthState Bank Corporation report earnings?
No confirmed earnings date is currently scheduled for SSB. The Earnings section lists recent reports and updates as dates are announced.
What sector does SouthState Bank Corporation operate in?
SouthState Bank Corporation operates in the Financial Services sector, within the State Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does SouthState Bank Corporation do?
SouthState Bank Corp is a United States-based bank holding company.
About SouthState Bank Corporation (SSB) Stock
SouthState Bank Corporation (SSB) is a US-listed stock operating in the Financial Services sector, specifically the State Commercial Banks industry. As of the latest update, SouthState Bank Corporation is trading at $102.46, up 0.55% on the day with a market capitalization of $9.9 billion. The financial health score for SSB is 28/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for SSB stock.
SSB Stock Analysis & Key Metrics
On PreMarketPrice, you can track SouthState Bank Corporation (SSB) across multiple dimensions:
- Pre-market price & movement: Real-time SSB stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for SSB with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for SouthState Bank Corporation across multiple reporting periods.
- Financial health score: A composite score of 28/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for SSB.
- Sector peers: Compare SSB against 10 other financial services stocks on key financial metrics.
Is SSB a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate SouthState Bank Corporation (SSB) as an investment. The financial health score of 28/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.SouthState Bank Corporation (SSB) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.