SouthState Bank SSB
United StatesFinancial Services · Banks - RegionalUSD
119.00 USD (+20.3%)
14 analysts
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SouthState Bank Corporation is a regional bank headquartered in the United States that offers commercial, consumer, and wealth management banking services in the southeastern United States, generating income primarily from interest and fees.
Key points
from its scores- ✓High-quality business9.6
- ✕Fragile balance sheet4.5
- ✕Poor share-price trend4.6
- !Moderate growth5.3
AI analysis
bottom line, main risk, context and newsSouthState Bank is a well-managed regional bank with reasonable valuation and high quality, but flat revenue growth and moderate momentum limit short-term upside potential.
SouthState Bank shows solid financial health with an ROE of 10.60% and an operating margin of 50.51%, although its revenue growth is flat (-0.10%). With a P/E of 10.39 and a P/B adjusted for ROE of 0.99, the valuation is consistent with its profitability, although momentum is moderate (score 4.62).
The main risk is exposure to the U.S. interest rate cycle: a prolonged tightening could compress net interest margins if deposit costs rise faster than asset yields, impacting future profitability.
Context and risks
SouthState Bank operates in an active U.S. banking regulatory environment, with oversight from the Fed and the FDIC. Although there are no known specific litigations or investigations, the regional banking sector faces ongoing scrutiny over capital and liquidity requirements, justifying a moderate adjustment for regulatory risk.
Is SouthState Bank stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 34% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 10.4 | 13.7 | −24% |
| Price / book | 1.1 | 1.9 | −43% |
| Price / sales | 3.6 | 3.5 | +4% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.7 out of 10 (median for Financial Services: 5.2).
Average analyst target: 119.00 USD, +20.3% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 4.5 (sector 5.5), Growth 5.3 (sector 6.9).
Classic formulas with standard assumptions (9.1% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 10.4
- Forward P/E
- 9.5
- Price / book
- 1.1
- Price / sales
- 3.6
- PEG
- 1.45
- Market cap
- 9.6B USD
- Enterprise value
- 9.9B USD
Profitability
- ROE
- 10.6%
- ROA
- 1.4%
- ROIC (approx.)
- 11.4%
- Gross margin
- 0.0%
- Operating margin
- 50.5%
- Net margin
- 35.5%
Solvency
- Total debt
- 2.7B USD
- Net debt
- 334.1M USD
- Cash
- 2.4B USD
Growth
- Revenue growth
- −0.1%
- Earnings growth
- +11.4%
- EPS (TTM)
- 9.52 USD
- EPS (forward)
- 10.39 USD
Dividend
- Dividend yield
- 2.7%
- Payout
- 25.2%
Risk and market
- Beta
- 0.78
- Analyst consensus
- Buy (14)
- Target price
- 119.00 USD
- 52-week range
- 84.48 – 112.20
Recent news
All SSB news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about SouthState Bank
Is SouthState Bank stock cheap or expensive?
On P/E and Price / book, it trades 34% below the Financial Services median on average. Valuation score: 6.7 out of 10 (median for Financial Services: 5.2). Average analyst target: 119.00 USD, +20.3% versus the price. This is not investment advice.
What score does SouthState Bank get on MeridIAn Screener?
It scores 6.5 out of 10, rank 576 of 2,130 (better than 72% of the companies analysed). Its strongest category is Quality / Moat (9.6) and its weakest, Financial health (4.5). Analysis of 08/10/2026.
What is SouthState Bank's P/E ratio?
Its P/E is 10.4: the share price equals 10.4 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 9.5.
How much is SouthState Bank worth on the stock market?
Its market capitalisation is 9.6B USD.
Does SouthState Bank pay a dividend?
Yes: its dividend yield is 2.67% and it pays out 25% of its earnings.
How has SouthState Bank stock performed over the last year?
It has risen 8.0% over the last year, excluding dividends. Over the last 52 weeks it has traded between 84.48 and 112.20 USD. Past performance does not guarantee future results.
What do analysts think of SouthState Bank?
14 analysts cover it; their average recommendation is “Buy” and their average target is 119.00 USD (+20.3% versus the price). It is an estimate, not market data.