Stock Analysis
SouthState Bank CorporationSSB
P/E 10.42×· 5Y range 8.61–18.95×· bottom 17% of history
Sector: Financial Services · Industry: State Commercial Banks
AnalystsStrong Buy18 analystsP/E 10.4× sits at the 17th percentile of its 5.0513347022587265-year history.
Cash covers 75% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Profitability74
Risks
- Financial Health26
- Growth37
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓P/E 10.4× at bottom 17% of 5-year history
What's happening with SSB
Profile
financial health, growth, moat and earnings quality lag behind.
How is each axis scored?
- Valuation70/100 · Moderate
- P/E vs own history (17th pct)25/25
- FCF yield (8.7%)25/25
- P/S (28.5x)0/25
- EV/EBIT (10.2x)20/25
- Growth37/100 · Weak
- Revenue CAGR (0.4%)6/25
- Net income CAGR (13.8%)20/25
- EPS CAGR 5Y (4.1%)6/25
- Fwd implied growth (3.0%)5/25
- Profitability74/100 · Moderate
- ROIC (8.4%)12/25
- ROE (10.4%)12/25
- Net margin (273.8%)25/25
- Operating margin (299.8%)25/25
- Financial Health26/100 · Weak
- Altman Z (0.06)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.9x)3/25
- Net cash / debt (D/A 1%)20/25
- Quality44/100 · Weak
- Piotroski F (4/9)10/25
- Beneish M (-2.18)12/25
- FCF conversion (91%)22/25
- Margin stability (σ 112.9%)0/25
- Moat43/100 · Weak
- ROIC >12% years (0/9 yrs)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 9.9%)18/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
- ⚠SBC 10.7% of revenue — real dilution cost
- ⚠Interest coverage 0.9× — thin debt cushion
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
70B+P/E (TTM)10.4xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 8.6x–18.9x · 17th pct
P/FCF11.2xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.7%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -2.2%–39.3% · 47th pct
P/S (TTM)28.53xD
Grade D: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 4.1x–37.9x · 58th pct
EV/EBIT10.2xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 1.3x–14.9x · 48th pct
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 Ratio1.08xA
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 Yield2.47%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio25.1%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
74B+ROIC8.4%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 Margin273.8%A
Grade A: HighNet Income / Revenue
Operating Margin299.8%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin200.0%A
Grade A: HighFCF / Revenue
True FCF Margin237.3%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
37DRevenue CAGR0.4%D
Grade D: LowCompound 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 Growth3.0%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)+35.7%D
Grade D: DilutiveShare count change over 5Y
SBC / Net Income3.9%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue10.7%D
Grade D: HighTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.06D
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 Coverage0.9xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment0.8yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.6xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.30xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.75xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
44D+Piotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.18C
Grade C: Gray zoneEarnings manipulation risk. < -2.22 Safe
FCF Conversion90.6%A
Grade A: StrongFCF / Net Income
Margin Stability112.9%D
Grade D: VolatileEBIT margin std deviation. Lower = stable
Capex / Revenue19.4%D
Grade D: HeavyTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade 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 | Gift | -1000 | |
YOUNG STEPHEN DEAN Filed | YOUNG STEPHEN DEAN | Gift | -3000 | |
Corbett John C Filed | Corbett John C | Gift | -5000 | |
Brooks David R Filed | Brooks David R | SellOpen market sale | -3750 |
Show 3 more filingsShow fewer filings
| Trade 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 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
43D+ROIC >12% Years0/9 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor9.9%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$9.80
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$6.77
Cash & short-term investments per share (Finnhub)
Book Value / Share$94.17
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$2.70B
Total debt obligations (short + long term)
Cash & Equiv.$2.02B
Cash and short-term investments
Net Debt$674.06M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$9.13B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$9.90B
Current Market Capitalization
Beta0.79B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: SouthState Bank Corporation (SSB)
SSB is up 0.76% at the last close. Piotroski F-Score of 4/9 indicates mixed fundamentals for SouthState Bank Corporation. Altman Z-Score of 0.06 is below the 1.81 distress threshold — an elevated financial-risk flag. SouthState Bank Corporation converts about 200% of revenue into free cash flow — strong cash generation.
- Takes ~0.8 years to repay net debt from free cash flow.
- Interest coverage of 0.9× leaves little room for earnings shocks.
- At a valuation score of 70/100, SSB trades near the cheapest end of its own historical range (P/E 10.4).
- The stock currently yields 2.5% in dividends.
See how SSB ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all SSB moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 101.11 | +1.95% | 2.37 |
| Oct 15 | After-hours | 101.29 | +2.14% | 2.57 |
| Oct 8 | Regular | 100.40 | +1.50% | 2.20 |
| Oct 8 | After-hours | 100.50 | +1.61% | 2.32 |
| Oct 7 | Regular | 98.94 | -1.99% | -2.36 |
Frequently Asked Questions about SSB
What is the current SouthState Bank Corporation (SSB) stock price?
SSB is trading at $102.06 at the last market close, up 0.76% 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 26/100. 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 10.4 and our valuation score rates it 70/100 (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 $102.06, up 0.76% on the day with a market capitalization of $9.9 billion. The financial health score for SSB is 26/100, 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 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for SSB.
- Sector peers: Compare SSB against 6 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 26/100 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.