(SSB) SouthState - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US8404411097
Checking, Savings, Loans, Treasury, Wealth
Dividends
| Dividend Yield | 2.37% |
| Yield on Cost 5y | 3.48% |
| Yield CAGR 5y | 3.05% |
| Payout Consistency | 98.8% |
| Payout Ratio | 25.5% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 31.1% |
| Value at Risk 5%th | 45.3% |
| Relative Tail Risk | -11.42% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.36 |
| Alpha | -24.64 |
| CAGR/Max DD | 0.42 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.510 |
| Beta | 1.034 |
| Beta Downside | 1.222 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.64% |
| Mean DD | 10.70% |
| Median DD | 10.19% |
Description: SSB SouthState November 03, 2025
SouthState Bank Corporation (NASDAQ: SSB) is a Florida-based regional bank holding company that delivers a full suite of retail and commercial banking services, including deposit products (checking, savings, money-market, CDs), a broad loan portfolio (consumer, auto, mortgage, commercial real-estate, agricultural and industrial), and ancillary offerings such as treasury management, wealth-management, fiduciary services, and digital banking channels.
As of Q2 2024, the bank reported total assets of roughly $31 billion, a loan-to-deposit ratio of 71 %, and a net interest margin of 3.2 %, reflecting modest loan growth (≈ 4 % YoY) amid a 5 % YoY increase in deposits. The regional-bank sector remains sensitive to the Federal Reserve’s policy stance; higher policy rates are compressing margins for some peers while also fueling demand for higher-yielding deposit products and credit-worthy commercial loans in the Southeast.
For a deeper, data-driven view of SouthState’s valuation dynamics and how they compare to peer benchmarks, consider exploring the analytics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (695.1m TTM) > 0 and > 6% of Revenue (6% = 202.9m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.95pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1590 % (prev -1403 %; Δ -187.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 423.1m <= Net Income 695.1m (YES >=105%, WARN >=100%) |
| Net Debt (431.8m) to EBITDA (1.05b) ratio: 0.41 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.02 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (101.7m) change vs 12m ago 32.46% (target <= -2.0% for YES) |
| Gross Margin 67.26% (prev 69.12%; Δ -1.86pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.03% (prev 5.11%; Δ 0.92pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.92 (EBITDA TTM 1.05b / Interest Expense TTM 987.6m) >= 6 (WARN >= 3) |
Altman Z'' -5.07
| (A) -0.81 = (Total Current Assets 892.9m - Total Current Liabilities 54.67b) / Total Assets 66.05b |
| (B) 0.04 = Retained Earnings (Balance) 2.43b / Total Assets 66.05b |
| (C) 0.02 = EBIT TTM 912.1m / Avg Total Assets 56.07b |
| (D) 0.04 = Book Value of Equity 2.36b / Total Liabilities 57.04b |
| Total Rating: -5.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 65.86
| 1. Piotroski 3.0pt |
| 2. FCF Yield 4.33% |
| 3. FCF Margin 12.11% |
| 4. Debt/Equity 0.14 |
| 5. Debt/Ebitda 0.41 |
| 6. ROIC - WACC (= -2.75)% |
| 7. RoE 8.60% |
| 8. Rev. Trend 95.07% |
| 9. EPS Trend 67.97% |
What is the price of SSB shares?
As of December 14, 2025, the stock is trading at USD 96.08 with a total of 1,055,830 shares traded.
Over the past week, the price has changed by +4.28%, over one month by +7.17%, over three months by -5.11% and over the past year by -9.35%.
Over the past week, the price has changed by +4.28%, over one month by +7.17%, over three months by -5.11% and over the past year by -9.35%.
Is SSB a buy, sell or hold?
SouthState has received a consensus analysts rating of 4.36.
Therefore, it is recommended to buy SSB.
- Strong Buy: 6
- Buy: 3
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SSB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 114 | 18.7% |
| Analysts Target Price | 114 | 18.7% |
| ValueRay Target Price | 99.3 | 3.4% |
SSB Fundamental Data Overview December 02, 2025
Market Cap USD = 9.06b (9.06b USD * 1.0 USD.USD)
P/E Trailing = 12.2785
P/E Forward = 9.4877
P/S = 3.8965
P/B = 0.9984
P/EG = 1.61
Beta = 0.758
Revenue TTM = 3.38b USD
EBIT TTM = 912.1m USD
EBITDA TTM = 1.05b USD
Long Term Debt = 696.4m USD (from longTermDebt, last quarter)
Short Term Debt = 594.1m USD (from shortTermDebt, last quarter)
Debt = 1.29b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 431.8m USD (from netDebt column, last quarter)
Enterprise Value = 9.46b USD (9.06b + Debt 1.29b - CCE 892.9m)
Interest Coverage Ratio = 0.92 (Ebit TTM 912.1m / Interest Expense TTM 987.6m)
FCF Yield = 4.33% (FCF TTM 409.7m / Enterprise Value 9.46b)
FCF Margin = 12.11% (FCF TTM 409.7m / Revenue TTM 3.38b)
Net Margin = 20.56% (Net Income TTM 695.1m / Revenue TTM 3.38b)
Gross Margin = 67.26% ((Revenue TTM 3.38b - Cost of Revenue TTM 1.11b) / Revenue TTM)
Gross Margin QoQ = 70.73% (prev 70.88%)
Tobins Q-Ratio = 0.14 (Enterprise Value 9.46b / Total Assets 66.05b)
Interest Expense / Debt = 21.85% (Interest Expense 282.0m / Debt 1.29b)
Taxrate = 23.25% (74.7m / 321.4m)
NOPAT = 700.1m (EBIT 912.1m * (1 - 23.25%))
Current Ratio = 0.02 (Total Current Assets 892.9m / Total Current Liabilities 54.67b)
Debt / Equity = 0.14 (Debt 1.29b / totalStockholderEquity, last quarter 9.01b)
Debt / EBITDA = 0.41 (Net Debt 431.8m / EBITDA 1.05b)
Debt / FCF = 1.05 (Net Debt 431.8m / FCF TTM 409.7m)
Total Stockholder Equity = 8.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 695.1m / Total Assets 66.05b)
RoE = 8.60% (Net Income TTM 695.1m / Total Stockholder Equity 8.08b)
RoCE = 10.39% (EBIT 912.1m / Capital Employed (Equity 8.08b + L.T.Debt 696.4m))
RoIC = 7.94% (NOPAT 700.1m / Invested Capital 8.81b)
WACC = 10.70% (E(9.06b)/V(10.35b) * Re(9.83%) + D(1.29b)/V(10.35b) * Rd(21.85%) * (1-Tc(0.23)))
Discount Rate = 9.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 15.22%
[DCF Debug] Terminal Value 62.83% ; FCFE base≈409.7m ; Y1≈269.0m ; Y5≈123.0m
Fair Price DCF = 18.38 (DCF Value 1.85b / Shares Outstanding 100.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 67.97 | EPS CAGR: 13.78% | SUE: 2.33 | # QB: 6
Revenue Correlation: 95.07 | Revenue CAGR: 32.49% | SUE: 1.73 | # QB: 14
EPS next Quarter (2026-03-31): EPS=2.21 | Chg30d=-0.021 | Revisions Net=-2 | Analysts=12
EPS next Year (2026-12-31): EPS=9.29 | Chg30d=-0.153 | Revisions Net=-4 | Growth EPS=+0.5% | Growth Revenue=+4.0%
P/E Trailing = 12.2785
P/E Forward = 9.4877
P/S = 3.8965
P/B = 0.9984
P/EG = 1.61
Beta = 0.758
Revenue TTM = 3.38b USD
EBIT TTM = 912.1m USD
EBITDA TTM = 1.05b USD
Long Term Debt = 696.4m USD (from longTermDebt, last quarter)
Short Term Debt = 594.1m USD (from shortTermDebt, last quarter)
Debt = 1.29b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 431.8m USD (from netDebt column, last quarter)
Enterprise Value = 9.46b USD (9.06b + Debt 1.29b - CCE 892.9m)
Interest Coverage Ratio = 0.92 (Ebit TTM 912.1m / Interest Expense TTM 987.6m)
FCF Yield = 4.33% (FCF TTM 409.7m / Enterprise Value 9.46b)
FCF Margin = 12.11% (FCF TTM 409.7m / Revenue TTM 3.38b)
Net Margin = 20.56% (Net Income TTM 695.1m / Revenue TTM 3.38b)
Gross Margin = 67.26% ((Revenue TTM 3.38b - Cost of Revenue TTM 1.11b) / Revenue TTM)
Gross Margin QoQ = 70.73% (prev 70.88%)
Tobins Q-Ratio = 0.14 (Enterprise Value 9.46b / Total Assets 66.05b)
Interest Expense / Debt = 21.85% (Interest Expense 282.0m / Debt 1.29b)
Taxrate = 23.25% (74.7m / 321.4m)
NOPAT = 700.1m (EBIT 912.1m * (1 - 23.25%))
Current Ratio = 0.02 (Total Current Assets 892.9m / Total Current Liabilities 54.67b)
Debt / Equity = 0.14 (Debt 1.29b / totalStockholderEquity, last quarter 9.01b)
Debt / EBITDA = 0.41 (Net Debt 431.8m / EBITDA 1.05b)
Debt / FCF = 1.05 (Net Debt 431.8m / FCF TTM 409.7m)
Total Stockholder Equity = 8.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 695.1m / Total Assets 66.05b)
RoE = 8.60% (Net Income TTM 695.1m / Total Stockholder Equity 8.08b)
RoCE = 10.39% (EBIT 912.1m / Capital Employed (Equity 8.08b + L.T.Debt 696.4m))
RoIC = 7.94% (NOPAT 700.1m / Invested Capital 8.81b)
WACC = 10.70% (E(9.06b)/V(10.35b) * Re(9.83%) + D(1.29b)/V(10.35b) * Rd(21.85%) * (1-Tc(0.23)))
Discount Rate = 9.83% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 15.22%
[DCF Debug] Terminal Value 62.83% ; FCFE base≈409.7m ; Y1≈269.0m ; Y5≈123.0m
Fair Price DCF = 18.38 (DCF Value 1.85b / Shares Outstanding 100.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 67.97 | EPS CAGR: 13.78% | SUE: 2.33 | # QB: 6
Revenue Correlation: 95.07 | Revenue CAGR: 32.49% | SUE: 1.73 | # QB: 14
EPS next Quarter (2026-03-31): EPS=2.21 | Chg30d=-0.021 | Revisions Net=-2 | Analysts=12
EPS next Year (2026-12-31): EPS=9.29 | Chg30d=-0.153 | Revisions Net=-4 | Growth EPS=+0.5% | Growth Revenue=+4.0%
Additional Sources for SSB Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle