SouthState Bank (SSB) Stock Price, News & Analysis

Company Overview

SouthState Bank (NYSE: SSB) is a bank holding company headquartered in Winter Haven, Florida, that provides a range of commercial and retail banking services. Through its subsidiary, SouthState Bank, the company serves businesses, institutions and individuals with deposit, lending and treasury management solutions. Its core business lines include commercial and industrial loans, commercial real estate lending, consumer mortgages and home equity loans.

In addition to traditional lending and deposit products, SouthState Bank offers specialized services such as treasury and cash management, merchant services, payment solutions and online banking. The company’s wealth management arm provides trust and investment advisory services, retirement planning and estate strategies for high-net-worth clients. Mortgage operations span origination and servicing for both purchase and refinance transactions.

SouthState Bank operates across the southeastern United States, with branch networks and lending offices in Florida, Georgia, South Carolina, North Carolina, Virginia and Alabama. The bank leverages regional market knowledge to support mid-size companies, family-owned businesses and local communities. Geographic diversification enables SouthState to balance growth opportunities across both urban centers and smaller markets.

The origins of SouthState date back to the early 20th century, with several community bank predecessors consolidating over decades. In 2022, SouthState completed the merger with CenterState Bank, further expanding its footprint and scale. Robert L. Steel serves as president and chief executive officer, leading the organization through ongoing integration and digital innovation efforts to enhance customer experience and operational efficiency.

Key Stats

• Today's Range: $93.47 to $94.76
• 50-Day Range: $88.55 to $100.16
• 52-Week Range: $84.47 to $108.46
• Volume: 865,339 shs
• Average Volume: 859,984 shs
• Market Capitalization: $9.25 billion
• P/E Ratio: 10.21
• Dividend Yield: 2.53%
• Price Target: $118.62
• Consensus Rating: Buy

SouthState Bank Stock Analysis - MarketRank™

SouthState Bank scored higher than 99% of companies evaluated by MarketBeat, and ranked 1st out of 83 stocks in the financial services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.5 / 5
• Analyst Rating: Buy

Consensus Rating

SouthState Bank has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 strong buy rating, 12 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

SouthState Bank has a consensus price target of $118.62, representing about 25.3% upside from its current price of $94.69.

Amount of Analyst Coverage

SouthState Bank has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 10.13%

Earnings Growth

Earnings for SouthState Bank are expected to grow by 10.13% in the coming year, from $9.48 to $10.44 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SouthState Bank is 10.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.02.

Price to Earnings Ratio vs. Sector

The P/E ratio of SouthState Bank is 10.21, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 15.88.

Price to Book Value per Share Ratio

SouthState Bank has a P/B Ratio of 1.02. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.59% of the float of SouthState Bank has been sold short.

Short Interest Ratio / Days to Cover

SouthState Bank has a short interest ratio ("days to cover") of 2.55, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SouthState Bank has recently decreased by 5.36%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

SouthState Bank pays a meaningful dividend of 2.54%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

SouthState Bank has been increasing its dividend for 13 years.

Dividend Coverage

The dividend payout ratio of SouthState Bank is 25.89%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, SouthState Bank will have a dividend payout ratio of 22.99% next year. This indicates that SouthState Bank will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 0.51

News Sentiment

SouthState Bank has a news sentiment score of 0.51. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.72 average news sentiment score of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for SouthState Bank this week, compared to 3 articles on an average week.

Search Interest

Only 2 people have searched for SSB on MarketBeat in the last 30 days. This is a decrease of -82% compared to the previous 30 days.

MarketBeat Follows

4 people have added SouthState Bank to their MarketBeat watchlist in the last 30 days. This is an increase of 300% compared to the previous 30 days.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, SouthState Bank insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,406,977.00 in company stock.

Percentage Held by Insiders

1.70% of the stock of SouthState Bank is held by insiders.

Percentage Held by Institutions

89.76% of the stock of SouthState Bank is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 4/23/2026
• Record date for 5/15 Dividend: 5/08/2026
• Ex-Dividend for 5/15 Dividend: 5/08/2026
• Dividend Payable: 5/15/2026
• Today: 5/24/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Financial Services
• Industry: State Commercial Banks – Fed Reserve System
• Sub-Industry: Banking
• Current Symbol: NYSE:SSB
• Previous Symbol: NYSE:SSB
• CIK: 764038
• Web: N/A
• Phone: (863) 293-4710
• Fax: 803-765-1966
• Employees: 6,190
• Year Founded: 1934

Price Target and Rating

• Average Price Target for SouthState Bank: $118.62
• High Price Target: $127.00
• Low Price Target: $108.00
• Potential Upside/Downside: +25.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 14 Analysts

Profitability

• EPS (Trailing Twelve Months): $9.27
• Trailing P/E Ratio: 10.21
• Forward P/E Ratio: 9.99
• P/E Growth: N/A
• Net Income: $798.67 million
• Net Margins: 24.75%
• Pretax Margin: 32.02%
• Return on Equity: 10.81%
• Return on Assets: 1.45%

Debt

• Debt-to-Equity Ratio: 0.04
• Current Ratio: 0.93
• Quick Ratio: 0.92

Sales & Book Value

• Annual Sales: $3.76 billion
• Price / Sales: 2.46
• Cash Flow: $11.33 per share
• Price / Cash Flow: 8.36
• Book Value: $92.46 per share
• Price / Book: 1.02

Miscellaneous

• Outstanding Shares: 97,670,000
• Free Float: 96,008,000
• Market Cap: $9.25 billion
• Optionable: N/A
• Beta: 0.72