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SouthState Bank (SSB) Financials

$106.18 -0.44 (-0.42%)
As of 11:05 AM Eastern
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Annual Income Statements for SouthState Bank

Annual Income Statements for SouthState Bank

This table shows SouthState Bank's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 99 101 88 179 186 121 476 496 494 535 799
Consolidated Net Income / (Loss)		 99 101 88 179 186 121 476 496 494 535 799
Net Income / (Loss) Continuing Operations		 99 101 88 179 186 121 476 496 494 535 799
Total Pre-Tax Income 		150 154 169 224 230 104 604 633 631 700 1,040
Total Revenue		 443 446 549 659 648 1,138 1,387 1,645 1,740 1,718 2,681
Net Interest Income / (Expense)		 328 325 409 513 504 826 1,033 1,336 1,453 1,415 2,303
Total Interest Income		 338 333 426 567 591 910 1,085 1,397 1,944 2,141 3,379
Loans and Leases Interest Income		 316 308 390 521 535 851 991 1,178 1,716 1,926 3,002
Investment Securities Interest Income		 20 22 34 42 46 55 88 172 186 178 287
Federal Funds Sold and Securities Borrowed Interest Income		 2.12 2.79 2.71 4.02 9.90 4.20 6.72 47 42 37 91
Total Interest Expense		 10 8.32 17 54 87 84 52 61 492 726 1,076
Deposits Interest Expense		 7.34 5.80 12 45 66 55 33 37 440 672 995
Long-Term Debt Interest Expense		 - - - 5.29 5.64 13 17 20 36 34 61
Federal Funds Purchased and Securities Sold Interest Expense		 0.40 0.57 1.08 2.36 2.63 1.95 1.19 4.50 16 20 20
Total Non-Interest Income		 116 121 140 146 144 311 354 309 287 302 378
Other Service Charges		 102 6.44 6.67 11 8.87 21 28 33 42 52 55
Net Realized & Unrealized Capital Gains on Investments		 -0.49 0.12 1.42 -0.66 2.71 0.05 0.10 0.03 0.04 -0.05 0.47
Other Non-Interest Income		 -5.61 115 132 136 132 290 326 276 245 250 322
Provision for Credit Losses		 5.86 6.82 12 14 13 236 -165 82 114 16 120
Total Non-Interest Expense		 287 285 368 421 405 798 948 930 995 1,001 1,521
Salaries and Employee Benefits		 161 165 194 233 235 417 552 555 583 607 798
Net Occupancy & Equipment Expense		 50 55 66 83 83 135 167 169 173 182 281
Marketing Expense		 3.84 3.09 3.96 4.22 4.31 4.09 7.96 8.89 9.47 9.14 13
Property & Liability Insurance Claims		 - 3.90 3.92 8.41 4.55 11 18 23 33 31 41
Other Operating Expenses		 52 43 45 48 60 118 90 110 129 126 179
Amortization Expense		 8.32 7.58 10 14 13 27 35 33 28 22 95
Restructuring Charge		 6.95 8.08 45 30 4.55 86 67 31 13 20 118
Other Special Charges		 4.71 - - - 0.00 0.00 12 0.00 26 3.85 -3.84
Income Tax Expense		 51 53 81 45 44 -17 129 137 137 165 242
Basic Earnings per Share		 $4.15 $4.22 $2.95 $4.90 $5.40 $2.20 $6.76 $6.65 $6.50 $7.01 $7.90
Weighted Average Basic Shares Outstanding		 23.97M 24.00M 29.69M 36.53M 34.56M 54.76M 70.39M 74.55M 76.05M 76.30M 101.04M
Diluted Earnings per Share		 $4.11 $4.18 $2.93 $4.86 $5.36 $2.19 $6.71 $6.60 $6.46 $6.97 $7.87
Weighted Average Diluted Shares Outstanding		 24.22M 24.22M 29.92M 36.78M 34.80M 55.06M 70.89M 75.18M 76.48M 76.76M 101.50M
Weighted Average Basic & Diluted Shares Outstanding		 24M 24M 29.70M 35.37M 34.56M 71.03M 68.85M 75.85M - 101.36M 98.07M
Cash Dividends to Common per Share		 $0.98 $1.21 $1.32 $1.38 $1.67 $1.88 $1.92 $1.98 $2.04 $2.12 $2.28

Quarterly Income Statements for SouthState Bank

This table shows SouthState Bank's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 107 115 132 143 144 89 215 247 248 226 230
Consolidated Net Income / (Loss)		 107 115 132 143 144 89 215 247 248 226 230
Net Income / (Loss) Continuing Operations		 107 115 132 143 144 89 215 247 248 226 230
Total Pre-Tax Income 		137 154 173 187 187 121 282 321 315 291 299
Total Revenue		 420 415 425 426 450 631 665 699 687 662 673
Net Interest Income / (Expense)		 354 344 350 351 370 545 578 600 581 562 576
Total Interest Income		 515 517 531 544 549 809 841 882 849 817 838
Loans and Leases Interest Income		 460 464 478 494 490 725 746 782 748 722 745
Investment Securities Interest Income		 46 45 45 44 45 61 74 76 75 79 81
Federal Funds Sold and Securities Borrowed Interest Income		 10 8.25 8.25 6.46 14 23 20 23 26 16 12
Total Interest Expense		 161 173 181 193 179 264 263 282 268 255 262
Deposits Interest Expense		 150 160 165 178 168 246 242 257 250 239 244
Long-Term Debt Interest Expense		 6.71 8.43 10 9.08 5.90 13 16 20 13 13 14
Federal Funds Purchased and Securities Sold Interest Expense		 4.91 4.73 4.98 5.70 4.86 4.91 5.41 5.17 4.76 4.20 4.09
Total Non-Interest Income		 65 72 75 75 81 86 87 99 106 100 97
Other Service Charges		 12 13 16 12 11 14 12 14 15 13 13
Net Realized & Unrealized Capital Gains on Investments		 -0.00 0.00 0.00 0.00 -0.05 0.47 0.00 0.00 - 0.00 0.00
Other Non-Interest Income		 53 58 60 63 70 71 74 85 91 87 84
Provision for Credit Losses		 9.89 13 3.89 -6.97 6.37 101 7.51 5.09 6.61 11 16
Total Non-Interest Expense		 273 249 249 247 257 409 375 372 365 360 358
Salaries and Employee Benefits		 146 150 151 151 154 196 200 199 203 206 205
Net Occupancy & Equipment Expense		 45 45 46 46 46 67 72 70 73 72 73
Marketing Expense		 2.83 1.98 2.59 2.30 2.27 2.29 3.01 2.98 4.71 3.33 3.84
Property & Liability Insurance Claims		 8.33 8.53 7.77 7.48 7.37 11 11 8.37 9.88 10 11
Other Operating Expenses		 37 29 29 32 35 41 40 48 50 47 44
Amortization Expense		 6.62 6.00 5.74 5.33 5.33 24 24 23 23 21 21
Restructuring Charge		 1.78 4.51 5.79 3.30 6.53 68 24 21 4.49 0.00 0.00
Income Tax Expense		 30 38 40 43 43 32 67 75 68 66 69
Basic Earnings per Share		 $1.41 $1.51 $1.74 $1.88 $1.88 $0.88 $2.12 $2.44 $2.46 $2.29 $2.36
Weighted Average Basic Shares Outstanding		 76.05M 76.30M 76.25M 76.30M 76.30M 101.41M 101.50M 101.22M 101.04M 98.54M 97.30M
Diluted Earnings per Share		 $1.39 $1.50 $1.73 $1.86 $1.88 $0.87 $2.11 $2.42 $2.47 $2.28 $2.35
Weighted Average Diluted Shares Outstanding		 76.48M 76.66M 76.61M 76.81M 76.76M 101.83M 101.85M 101.74M 101.50M 98.92M 97.68M
Weighted Average Basic & Diluted Shares Outstanding		 0.00 76.19M 76.25M 76.29M 101.36M 101.49M 101.21M 100.52M 98.07M 97.67M 96.97M

Annual Cash Flow Statements for SouthState Bank

This table details how cash moves in and out of SouthState Bank's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 278 -321 3.18 31 280 3,921 2,112 -5,409 -314 393 1,780
Net Cash From Operating Activities		 187 138 198 284 181 537 416 1,731 547 512 301
Net Cash From Continuing Operating Activities		 187 138 198 284 181 537 416 1,731 547 512 301
Net Income / (Loss) Continuing Operations		 99 101 88 179 186 121 476 496 494 535 799
Consolidated Net Income / (Loss)		 99 101 88 179 186 121 476 496 494 535 799
Provision For Loan Losses		 5.86 6.82 12 14 13 236 -165 82 114 16 120
Depreciation Expense		 21 22 29 36 33 46 63 65 59 57 158
Amortization Expense		 13 8.98 6.85 7.57 7.26 22 38 27 20 19 11
Non-Cash Adjustments to Reconcile Net Income		 35 3.97 89 40 -43 129 158 306 -31 -649 -1,090
Changes in Operating Assets and Liabilities, net		 12 -4.62 -26 7.92 -16 -17 -154 755 -109 534 304
Net Cash From Investing Activities		 -103 -691 -61 -282 -795 1,230 -2,319 -4,860 -1,426 -886 21
Net Cash From Continuing Investing Activities		 -103 -691 -61 -282 -795 1,230 -2,319 -4,860 -1,426 -886 21
Purchase of Property, Leasehold Improvements and Equipment		 -334 -26 -652 -406 -379 -17 717 -18 -2,273 -1,577 -1,541
Purchase of Investment Securities		 -436 -386 -246 -210 -979 -2,353 -4,164 -2,588 -313 -237 -7,062
Sale of Property, Leasehold Improvements and Equipment		 0.04 -690 0.02 0.15 0.01 -149 8.47 -3,849 0.86 0.37 1.00
Divestitures		 404 0.00 185 0.00 0.00 2,566 0.00 0.00 0.00 0.00 0.00
Sale and/or Maturity of Investments		 264 414 652 333 563 1,183 1,120 1,594 1,159 927 8,623
Net Cash From Financing Activities		 194 232 -134 30 894 2,154 4,016 -2,280 566 767 1,459
Net Cash From Continuing Financing Activities		 194 232 -134 30 894 2,154 4,016 -2,280 566 767 1,459
Net Change in Deposits		 201 234 226 115 530 2,902 4,368 -1,780 700 1,013 1,879
Issuance of Debt		 0.00 0.00 100 590 700 500 25 0.00 6,050 4,000 1,045
Issuance of Common Equity		 0.91 0.93 1.06 1.33 1.39 1.54 2.38 2.86 2.77 3.24 5.02
Repayment of Debt		 -46 -0.01 -391 -540 -150 -1,200 -101 -13 -5,950 -4,100 -1,105
Repurchase of Common Equity		 -5.63 -5.98 -5.51 -71 -159 -32 -147 -119 -16 -17 -236
Payment of Dividends		 -24 -29 -39 -51 -58 -98 -135 -147 -156 -163 -231
Other Financing Activities, Net		 68 32 -26 -15 29 81 4.48 -223 -64 31 102
Cash Interest Paid		 12 9.15 18 52 86 87 55 67 441 742 1,106
Cash Income Taxes Paid		 31 39 48 32 56 104 126 35 75 111 170

Quarterly Cash Flow Statements for SouthState Bank

This table details how cash moves in and out of SouthState Bank's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -330 211 -92 96 179 1,908 164 -320 28 -305 -517
Net Cash From Operating Activities		 -274 278 127 -247 354 -126 73 122 232 299 274
Net Cash From Continuing Operating Activities		 -274 278 127 -247 354 -126 73 122 232 299 274
Net Income / (Loss) Continuing Operations		 107 115 132 143 144 89 215 247 248 226 230
Consolidated Net Income / (Loss)		 107 115 132 143 144 89 215 247 248 226 230
Provision For Loan Losses		 9.89 13 3.89 -6.97 6.37 101 7.51 5.09 6.61 11 16
Depreciation Expense		 14 14 14 14 15 35 40 41 41 39 37
Amortization Expense		 4.96 4.82 4.91 4.84 4.78 2.43 3.01 2.75 2.85 2.60 3.00
Non-Cash Adjustments to Reconcile Net Income		 -98 -8.91 -103 -187 -69 -70 -557 397 -860 -303 107
Changes in Operating Assets and Liabilities, net		 -313 140 75 -215 253 -283 364 -571 793 324 -119
Net Cash From Investing Activities		 -200 -106 -388 -156 -236 1,865 -511 -274 -1,059 -1,139 -1,336
Net Cash From Continuing Investing Activities		 -200 -106 -388 -156 -236 1,865 -511 -274 -1,059 -1,139 -1,336
Purchase of Property, Leasehold Improvements and Equipment		 1,843 -289 274 -7.39 -13 -13 -230 189 -1,487 -915 885
Purchase of Investment Securities		 -79 -55 -53 -93 -36 -3,273 -349 -1,623 -1,818 -1,965 -445
Sale of Property, Leasehold Improvements and Equipment		 -2,234 0.01 -857 -320 -364 276 -275 -571 571 0.03 -2,234
Sale and/or Maturity of Investments		 270 238 249 264 177 4,874 343 1,730 1,675 1,742 458
Net Cash From Financing Activities		 144 39 169 498 61 169 602 -168 855 534 545
Net Cash From Continuing Financing Activities		 144 39 169 498 61 169 602 -168 855 534 545
Net Change in Deposits		 114 130 -80 540 423 71 360 376 1,072 730 474
Issuance of Debt		 700 1,150 1,400 1,450 - 700 345 0.08 - 0.00 600
Issuance of Common Equity		 1.42 0.00 - 0.85 1.57 0.09 1.24 1.26 2.43 1.40 1.41
Repayment of Debt		 -600 -1,250 -1,100 -1,450 -300 -700 - -405 - 0.00 -300
Repurchase of Common Equity		 -8.66 -16 -0.14 -0.61 -0.08 -11 -0.10 -43 -182 -160 -98
Payment of Dividends		 -40 -41 -40 -41 -41 -56 -55 -61 -60 -60 -58
Other Financing Activities, Net		 -23 66 -12 -0.53 -22 165 -49 -36 22 24 -74
Cash Interest Paid		 150 185 170 195 191 303 250 286 266 257 274
Cash Income Taxes Paid		 6.05 0.15 42 19 50 0.19 72 53 45 50 6.77

Annual Balance Sheets for SouthState Bank

This table presents SouthState Bank's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 8,557 8,901 14,467 14,676 15,922 37,790 41,838 43,919 44,902 46,381 67,197
Cash and Due from Banks		 179 202 256 251 262 363 477 548 511 526 583
Federal Funds Sold		 298 136 4.22 33 378 3,582 - 580 236 594 2,287
Interest Bearing Deposits at Other Banks		 219 36 118 125 49 664 226 184 252 273 302
Trading Account Securities		 1,069 1,056 1,722 1,540 2,015 4,587 7,205 8,070 7,354 6,958 8,817
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 24,207 47,555 29,821 31,932 33,438 48,013
Loans and Leases		 - - - - - 24,664 47,856 30,178 32,388 33,903 48,599
Allowance for Loan and Lease Losses		 - - - - - 457 302 356 457 465 585
Premises and Equipment, Net		 175 184 256 241 317 579 558 521 519 503 994
Goodwill		 338 338 1,000 1,003 1,003 1,564 1,581 1,923 1,923 1,923 3,094
Intangible Assets		 47 40 74 63 50 163 128 116 89 66 386
Other Assets		 262 256 463 458 535 2,081 1,290 2,154 2,086 2,102 2,720
Total Liabilities & Shareholders' Equity		 8,557 8,901 14,467 14,676 15,922 37,790 41,838 43,919 44,902 46,381 67,197
Total Liabilities		 7,498 7,766 12,158 12,310 13,549 33,142 12,833 38,844 39,369 40,491 58,138
Non-Interest Bearing Deposits		 1,976 2,199 3,047 3,062 3,245 9,711 11,499 13,169 10,649 10,192 13,376
Interest Bearing Deposits		 5,124 5,135 8,485 8,585 8,932 20,983 - 23,182 26,400 27,869 41,770
Federal Funds Purchased and Securities Sold		 288 314 287 271 57 385 381 214 248 260 307
Short-Term Debt		 55 55 216 266 942 395 400 343 341 255 311
Long-Term Debt		 - - - - 116 390 - 392 392 392 697
Other Long-Term Liabilities		 54 62 122 126 257 1,278 553 1,544 1,339 1,523 1,678
Total Equity & Noncontrolling Interests		 1,059 1,135 2,309 2,366 2,373 4,648 4,803 5,075 5,533 5,890 9,059
Total Preferred & Common Equity		 1,059 1,135 2,309 2,366 2,373 4,648 4,803 5,075 5,533 5,890 9,059
Total Common Equity		 1,059 1,135 2,309 2,366 2,373 4,648 4,803 5,075 5,533 5,890 9,059
Common Stock		 764 772 1,900 1,840 1,692 3,943 3,826 4,405 4,430 4,451 6,728
Retained Earnings		 299 371 420 551 680 657 998 1,347 1,685 2,047 2,614
Accumulated Other Comprehensive Income / (Loss)		 -3.87 -8.21 -10 -25 1.02 48 -21 -677 -583 -607 -283

Quarterly Balance Sheets for SouthState Bank

This table presents SouthState Bank's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 44,924 44,940 44,989 45,145 45,494 46,083 65,135 65,893 66,048 67,979 68,910
Cash and Due from Banks		 558 553 515 478 507 564 688 756 583 598 649
Federal Funds Sold		 - 695 588 493 339 385 2,349 2,465 2,286 1,973 1,375
Interest Bearing Deposits at Other Banks		 223 266 227 238 271 264 263 243 276 296 326
Trading Account Securities		 7,824 7,634 7,299 7,168 7,039 7,240 8,515 8,488 8,594 8,983 9,150
Loans and Leases, Net of Allowance		 -371 31,109 31,569 32,198 32,762 33,080 46,143 46,646 47,078 48,911 50,260
Loans and Leases		 - 31,537 32,017 32,667 33,235 33,548 46,767 47,267 47,668 49,497 50,847
Allowance for Loan and Lease Losses		 371 427 448 470 472 468 624 621 590 586 587
Premises and Equipment, Net		 517 518 517 513 517 507 946 965 962 994 993
Goodwill		 1,923 1,923 1,923 1,923 1,923 1,923 3,088 3,094 3,094 3,094 3,094
Intangible Assets		 110 102 95 83 77 72 455 433 410 365 343
Other Assets		 63,428 2,139 2,258 2,051 2,058 2,048 2,688 2,802 2,767 2,766 2,719
Total Liabilities & Shareholders' Equity		 44,924 44,940 44,989 45,145 45,494 46,083 65,135 65,893 66,048 67,979 68,910
Total Liabilities		 37,491 39,650 39,758 39,598 39,844 40,178 56,511 57,092 57,037 58,948 59,779
Non-Interest Bearing Deposits		 12,423 11,489 11,158 10,546 10,374 10,377 13,757 13,719 13,430 13,651 13,451
Interest Bearing Deposits		 23,979 25,252 25,777 26,632 26,724 27,262 39,580 39,978 40,643 42,225 42,899
Federal Funds Purchased and Securities Sold		 233 247 253 273 288 290 399 364 337 344 286
Short-Term Debt		 311 735 260 281 554 548 281 267 257 300 283
Long-Term Debt		 - 392 392 392 392 392 753 1,100 696 697 997
Other Long-Term Liabilities		 545 1,535 1,918 1,473 1,511 1,310 1,741 1,665 1,673 1,733 1,863
Total Equity & Noncontrolling Interests		 5,249 5,290 5,231 5,547 5,650 5,905 8,624 8,801 9,011 9,031 9,131
Total Preferred & Common Equity		 5,249 5,290 5,231 5,547 5,650 5,905 8,624 8,801 9,011 9,031 9,131
Total Common Equity		 5,249 5,290 5,231 5,547 5,650 5,905 8,624 8,801 9,011 9,031 9,131
Common Stock		 4,414 4,419 4,429 4,421 4,429 4,440 6,921 6,933 6,901 6,577 6,490
Retained Earnings		 1,449 1,534 1,618 1,749 1,842 1,944 2,080 2,240 2,426 2,780 2,952
Accumulated Other Comprehensive Income / (Loss)		 -614 -662 -816 -623 -620 -480 -377 -372 -316 -326 -310

Annual Metrics And Ratios for SouthState Bank

This table displays calculated financial ratios and metrics derived from SouthState Bank's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $4.15 $4.22 $2.95 $4.90 $5.40 $2.20 $6.76 $6.65 $6.50 $7.01 $7.90
Adjusted Weighted Average Basic Shares Outstanding		 23.97M 24.00M 29.69M 36.53M 34.56M 54.76M 70.39M 74.55M 76.05M 76.30M 101.04M
Adjusted Diluted Earnings per Share		 $4.11 $4.18 $2.93 $4.86 $5.36 $2.19 $6.71 $6.60 $6.46 $6.97 $7.87
Adjusted Weighted Average Diluted Shares Outstanding		 24.22M 24.22M 29.92M 36.78M 34.80M 55.06M 70.89M 75.18M 76.48M 76.76M 101.50M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 24.18M 29.23M 36.79M 35.37M 33.60M 71.03M 68.85M 75.85M 0.00 101.36M 98.07M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for SouthState Bank

This table displays calculated financial ratios and metrics derived from SouthState Bank's official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - - - - - 98,068,647.00 97,668,043.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 98,068,647.00 97,668,043.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 2.30 2.36
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.64% -8.20% -3.07% -0.42% 7.29% 51.78% 56.24% 63.87% - 4.93% 1.19%
EBITDA Growth		 -23.66% -13.53% 7.81% 16.01% 32.87% -7.81% 69.67% 78.10% - 109.25% 4.36%
EBIT Growth		 -25.26% -14.25% 9.44% 18.58% 37.16% -21.02% 63.26% 72.27% - 140.31% 5.96%
NOPAT Growth		 -25.58% -17.77% 7.23% 15.33% 35.01% -22.58% 62.59% 72.26% - 153.50% 6.88%
Net Income Growth		 -25.58% -17.77% 7.23% 15.33% 35.01% -22.58% 62.59% 72.26% - 153.50% 6.88%
EPS Growth		 -26.46% -18.03% 6.79% 14.81% 35.25% -42.00% 21.97% 30.11% - 162.07% 11.37%
Operating Cash Flow Growth		 -277.70% 367.59% -59.39% -154.92% 229.15% -145.47% -42.75% 149.61% - 336.83% 277.55%
Free Cash Flow Firm Growth		 -101.47% 202.59% 89.99% 85.79% 63.79% -304.37% -6,957.56% -251.24% - 95.71% 99.58%
Invested Capital Growth		 7.85% -19.67% 2.80% 16.34% 4.32% 55.27% 54.13% 45.59% - 3.82% 2.40%
Revenue Q/Q Growth		 -1.98% -1.01% 2.40% 0.22% 5.61% 40.04% 5.41% 5.12% - -3.66% 1.66%
EBITDA Q/Q Growth		 -11.76% 10.52% 11.08% 7.09% 1.07% -23.32% 104.44% 12.41% - -7.54% 1.96%
EBIT Q/Q Growth		 -13.17% 12.40% 12.59% 7.92% 0.43% -35.28% 132.75% 13.88% - -7.62% 2.62%
NOPAT Q/Q Growth		 -13.98% 7.74% 15.05% 8.17% 0.70% -38.22% 141.61% 14.60% - -8.84% 1.86%
Net Income Q/Q Growth		 -13.98% 7.74% 15.05% 8.17% 0.70% -38.22% 141.61% 14.60% - -8.84% 1.86%
EPS Q/Q Growth		 -14.20% 7.91% 15.33% 7.51% 1.08% -53.72% 142.53% 14.69% - -7.69% 3.07%
Operating Cash Flow Q/Q Growth		 -161.04% 201.22% -54.32% -294.61% 243.55% -135.64% 157.51% 68.63% - 28.86% -8.32%
Free Cash Flow Firm Q/Q Growth		 93.94% 569.20% -102.90% -1,620.69% 84.54% -2,547.80% -0.21% 14.37% - 95.63% 90.24%
Invested Capital Q/Q Growth		 6.51% -0.73% 6.05% 3.75% -4.49% 47.75% 5.28% -2.00% - -0.40% 3.83%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.17% 41.50% 45.01% 48.10% 46.03% 25.20% 48.88% 52.27% - 50.26% 50.41%
EBIT Margin		 32.54% 36.95% 40.62% 43.75% 41.60% 19.23% 42.45% 45.99% - 44.03% 44.45%
Profit (Net Income) Margin		 25.44% 27.69% 31.11% 33.58% 32.02% 14.13% 32.38% 35.30% - 34.13% 34.20%
Tax Burden Percent		 78.19% 74.95% 76.58% 76.76% 76.96% 73.47% 76.27% 76.75% - 77.50% 76.93%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00% 100.00%
Effective Tax Rate		 21.81% 25.05% 23.42% 23.24% 23.04% 26.53% 23.73% 23.25% - 22.50% 23.07%
Return on Invested Capital (ROIC)		 7.33% 6.75% 8.08% 8.90% 8.59% 3.44% 8.39% 10.27% - 9.40% 9.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.33% 6.75% 8.08% 8.90% 8.59% 3.44% 8.39% 10.27% - 9.40% 9.04%
Return on Net Nonoperating Assets (RNNOA)		 1.01% 1.98% 1.53% 1.27% 1.04% 0.41% 1.34% 1.30% - 1.08% 1.33%
Return on Equity (ROE)		 8.34% 8.73% 9.61% 10.17% 9.63% 3.85% 9.73% 11.57% - 10.48% 10.37%
Cash Return on Invested Capital (CROIC)		 0.63% 28.54% 4.59% -7.29% 4.13% -36.89% -35.54% -28.86% - 5.75% 6.86%
Operating Return on Assets (OROA)		 1.27% 1.40% 1.52% 1.62% 1.57% 0.67% 1.66% 2.01% - 1.79% 1.79%
Return on Assets (ROA)		 1.00% 1.05% 1.16% 1.24% 1.20% 0.50% 1.26% 1.54% - 1.39% 1.38%
Return on Common Equity (ROCE)		 8.34% 8.73% 9.61% 10.17% 9.63% 3.85% 9.73% 11.57% - 10.48% 10.37%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.46% 8.47% 8.42% 0.00% 5.90% 6.72% 7.71% - 10.36% 10.41%
Net Operating Profit after Tax (NOPAT)		 107 115 132 143 144 89 215 247 - 226 230
NOPAT Margin		 25.44% 27.69% 31.11% 33.58% 32.02% 14.13% 32.38% 35.30% - 34.13% 34.20%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
SG&A Expenses to Revenue		 46.08% 47.50% 46.92% 46.59% 45.00% 42.01% 41.34% 38.92% - 42.46% 41.96%
Operating Expenses to Revenue		 65.10% 60.00% 58.46% 57.89% 56.98% 64.83% 56.42% 53.28% - 54.33% 53.18%
Earnings before Interest and Taxes (EBIT)		 137 154 173 187 187 121 282 321 - 291 299
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 156 172 192 205 207 159 325 365 - 333 339
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.13 1.14 1.01 1.24 1.28 1.09 1.06 1.10 - 1.00 1.07
Price to Tangible Book Value (P/TBV)		 1.77 1.79 1.57 1.88 1.94 1.85 1.77 1.80 - 1.63 1.71
Price to Revenue (P/Rev)		 3.59 3.71 3.39 4.35 4.40 4.87 4.30 4.07 - 3.35 3.59
Price to Earnings (P/E)		 12.62 13.47 11.98 14.75 14.12 18.49 15.79 14.30 - 9.70 10.27
Dividend Yield		 2.49% 2.48% 2.77% 2.18% 2.14% 2.31% 2.35% 2.26% - 2.53% 2.40%
Earnings Yield		 7.92% 7.42% 8.35% 6.78% 7.08% 5.41% 6.33% 6.99% - 10.31% 9.74%
Enterprise Value to Invested Capital (EV/IC)		 0.95 0.93 0.84 1.03 1.04 0.74 0.71 0.78 - 0.72 0.83
Enterprise Value to Revenue (EV/Rev)		 3.43 3.40 3.29 4.19 3.96 3.70 3.33 3.17 - 2.66 3.19
Enterprise Value to EBITDA (EV/EBITDA)		 8.42 8.48 7.98 9.74 8.77 9.36 8.08 7.33 - 5.21 6.22
Enterprise Value to EBIT (EV/EBIT)		 9.47 9.56 8.96 10.87 9.72 10.69 9.32 8.49 - 5.95 7.08
Enterprise Value to NOPAT (EV/NOPAT)		 12.09 12.33 11.62 14.20 12.73 14.04 12.24 11.14 - 7.70 9.14
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.93 7.56 9.59 0.00 13.29 66.11 134.55 18.31 - 9.92 9.36
Enterprise Value to Free Cash Flow (EV/FCFF)		 155.95 2.90 18.62 0.00 25.77 0.00 0.00 0.00 - 12.72 12.30
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.13 0.12 0.17 0.16 0.11 0.12 0.16 0.11 - 0.11 0.14
Long-Term Debt to Equity		 0.07 0.07 0.07 0.07 0.07 0.09 0.13 0.08 - 0.08 0.11
Financial Leverage		 0.14 0.29 0.19 0.14 0.12 0.12 0.16 0.13 - 0.12 0.15
Leverage Ratio		 8.37 8.34 8.27 8.18 7.99 7.78 7.71 7.52 - 7.54 7.52
Compound Leverage Factor		 8.37 8.34 8.27 8.18 7.99 7.78 7.71 7.52 - 7.54 7.52
Debt to Total Capital		 11.70% 10.82% 14.34% 13.73% 9.89% 10.70% 13.44% 9.57% - 9.94% 12.29%
Short-Term Debt to Total Capital		 5.44% 4.52% 8.40% 8.01% 3.90% 2.91% 2.62% 2.58% - 2.99% 2.72%
Long-Term Debt to Total Capital		 6.25% 6.30% 5.94% 5.72% 5.99% 7.79% 10.82% 6.99% - 6.95% 9.57%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Common Equity to Total Capital		 88.30% 89.18% 85.66% 86.27% 90.11% 89.30% 86.56% 90.43% - 90.06% 87.71%
Debt to EBITDA		 1.03 0.99 1.36 1.30 0.83 1.35 1.52 0.90 - 0.72 0.92
Net Debt to EBITDA		 -0.37 -0.79 -0.25 -0.38 -0.96 -2.97 -2.34 -2.07 - -1.35 -0.77
Long-Term Debt to EBITDA		 0.55 0.57 0.56 0.54 0.50 0.99 1.23 0.66 - 0.50 0.71
Debt to NOPAT		 1.48 1.43 1.98 1.89 1.21 2.03 2.31 1.37 - 1.07 1.35
Net Debt to NOPAT		 -0.54 -1.14 -0.36 -0.55 -1.39 -4.45 -3.55 -3.15 - -2.00 -1.13
Long-Term Debt to NOPAT		 0.79 0.83 0.82 0.79 0.73 1.48 1.86 1.00 - 0.74 1.05
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -349 1,639 -48 -818 -126 -3,349 -3,356 -2,874 - -144 -14
Operating Cash Flow to CapEx		 -70.08% 96.11% 21.74% -75.50% 93.96% 0.00% 14.37% 32.07% - 32.68% 20.32%
Free Cash Flow to Firm to Interest Expense		 -2.17 9.45 -0.26 -4.25 -0.71 -12.68 -12.78 -10.19 - -0.56 -0.05
Operating Cash Flow to Interest Expense		 -1.70 1.60 0.70 -1.28 1.98 -0.48 0.28 0.43 - 1.17 1.05
Operating Cash Flow Less CapEx to Interest Expense		 -4.13 -0.06 -2.52 -2.98 -0.13 0.52 -1.65 -0.92 - -2.41 -4.10
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 - 0.04 0.04
Fixed Asset Turnover		 3.35 3.31 3.26 3.30 3.36 2.65 2.93 3.33 - 2.80 2.78
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 6,266 6,220 6,597 6,844 6,537 9,658 10,167 9,964 - 10,027 10,411
Invested Capital Turnover		 0.29 0.24 0.26 0.27 0.27 0.24 0.26 0.29 - 0.28 0.26
Increase / (Decrease) in Invested Capital		 456 -1,523 180 961 271 3,438 3,571 3,120 - 369 244
Enterprise Value (EV)		 5,974 5,787 5,558 7,062 6,806 7,142 7,243 7,747 - 7,202 8,687
Market Capitalization		 6,240 6,323 5,729 7,336 7,552 9,409 9,340 9,938 - 9,073 9,757
Book Value per Share		 $72.74 $72.70 $74.16 $77.44 $77.21 $85.08 $86.72 $89.03 - $92.09 $93.49
Tangible Book Value per Share		 $46.29 $46.40 $47.91 $51.28 $51.13 $50.12 $51.96 $54.41 - $56.82 $58.30
Total Capital		 6,266 6,220 6,597 6,844 6,537 9,658 10,167 9,964 - 10,027 10,411
Total Debt		 733 673 946 940 646 1,033 1,366 953 - 996 1,280
Total Long-Term Debt		 392 392 392 392 392 753 1,100 696 - 697 997
Net Debt		 -266 -536 -171 -273 -746 -2,266 -2,098 -2,191 - -1,871 -1,070
Capital Expenditures (CapEx)		 391 289 583 327 377 -263 505 382 - 915 1,349
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Net Nonoperating Obligations (NNO)		 733 673 946 940 646 1,033 1,366 953 - 996 1,280
Total Depreciation and Amortization (D&A)		 19 19 19 19 20 38 43 44 - 41 40
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.41 $1.51 $1.74 $1.88 $1.88 $0.88 $2.12 $2.44 $2.46 $2.29 $2.36
Adjusted Weighted Average Basic Shares Outstanding		 76.05M 76.30M 76.25M 76.30M 76.30M 101.41M 101.50M 101.22M 101.04M 98.54M 97.30M
Adjusted Diluted Earnings per Share		 $1.39 $1.50 $1.73 $1.86 $1.88 $0.87 $2.11 $2.42 $2.47 $2.28 $2.35
Adjusted Weighted Average Diluted Shares Outstanding		 76.48M 76.66M 76.61M 76.81M 76.76M 101.83M 101.85M 101.74M 101.50M 98.92M 97.68M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 76.19M 76.25M 76.29M 101.36M 101.49M 101.21M 100.52M 98.07M 97.67M 96.97M
Normalized Net Operating Profit after Tax (NOPAT)		 128 121 137 146 149 139 234 263 - 226 230
Normalized NOPAT Margin		 30.56% 29.20% 32.26% 34.17% 33.03% 22.05% 35.17% 37.59% - 34.13% 34.20%
Pre Tax Income Margin		 32.54% 36.95% 40.62% 43.75% 41.60% 19.23% 42.45% 45.99% - 44.03% 44.45%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.85 0.89 0.96 0.97 1.05 0.46 1.07 1.14 - 1.14 1.14
NOPAT to Interest Expense		 0.66 0.66 0.73 0.74 0.81 0.34 0.82 0.87 - 0.88 0.88
EBIT Less CapEx to Interest Expense		 -1.58 -0.78 -2.27 -0.73 -1.06 1.46 -0.85 -0.21 - -2.44 -4.00
NOPAT Less CapEx to Interest Expense		 -1.77 -1.00 -2.49 -0.95 -1.30 1.34 -1.10 -0.48 - -2.70 -4.27
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.60% 33.79% 33.38% 32.44% 30.46% 34.98% 32.64% 30.58% - 25.18% 25.15%
Augmented Payout Ratio		 34.85% 39.88% 38.63% 37.53% 33.59% 37.34% 34.66% 38.40% - 66.35% 75.98%

Financials Breakdown Chart

Key Financial Trends

SouthState Bank’s latest results show continued balance-sheet expansion alongside improving profitability. As of June 30, 2026, total assets were $68.9 billion, up 4.6% from $65.9 billion a year earlier and 1.4% from the first quarter. Net loans increased 7.7% year over year to $50.3 billion, while total deposits rose 4.9% to approximately $56.3 billion. This indicates continued growth in the bank’s core earning assets and funding base.

Profitability also improved in the second quarter. Net income rose to $230.0 million, up 6.9% from the restated Q2 2025 result and 1.9% from Q1 2026. Diluted EPS increased to $2.35 from $2.11 a year earlier, helped by both higher earnings and a reduction in diluted weighted-average shares to 97.7 million from 101.8 million in Q2 2025. Net interest income was relatively stable at $575.9 million, while total revenue increased 1.2% year over year.

The cash-flow picture was mixed but stronger operationally. Operating cash flow reached $274.1 million in Q2 2026, compared with $72.6 million in Q2 2025. However, substantial investing outflows and shareholder distributions led to a $516.8 million decline in cash and equivalents during the quarter. Investors should also note that the financial data includes restated periods and appears to reflect significant balance-sheet expansion, including a rise in goodwill from roughly $1.9 billion in 2024 to $3.1 billion in 2026, which may be associated with acquisition activity.

  • Loan growth remains strong: Net loans increased from $31.1 billion in Q2 2023 to $50.3 billion in Q2 2026, expanding SouthState’s primary earning-asset base.
  • Deposits have generally expanded: Total deposits grew from approximately $36.7 billion in Q2 2023 to $56.3 billion in Q2 2026, providing a larger funding base for lending.
  • Quarterly profitability is improving: Q2 2026 net income of $230.0 million was the highest among the reported 2026 quarters and was above the restated Q2 2025 result.
  • Expense control supported earnings: Total non-interest expense declined 4.6% year over year to $357.7 million, despite higher occupancy, equipment and marketing costs in some categories.
  • Share repurchases are supporting EPS: Diluted weighted-average shares fell from 101.5 million in Q4 2025 to 97.7 million in Q2 2026, while the company repurchased $97.0 million of common stock during Q2.
  • Capital levels have grown: Total common equity increased to $9.1 billion in Q2 2026 from $8.8 billion a year earlier and $5.3 billion in Q2 2023.
  • Operating cash flow improved: Cash generated from operating activities was $274.1 million in Q2 2026, substantially above the $72.6 million reported in Q2 2025.
  • Net interest income is stable but not accelerating: Q2 2026 net interest income rose 2.6% sequentially but was slightly below the restated Q2 2025 level, suggesting limited near-term margin momentum.
  • Dividend payments remain consistent: The quarterly dividend was $0.60 per share in Q1 and Q2 2026, compared with $0.54 in early 2025 and $0.50 in 2023.
  • Cash balances declined during the quarter: Net cash and equivalents fell $516.8 million in Q2 2026 because investing outflows of $1.34 billion exceeded operating cash generation and positive financing cash flow.
  • Credit-loss provisions increased: The provision for credit losses rose to $15.9 million in Q2 2026 from $7.5 million in the restated year-earlier quarter, warranting monitoring as the loan portfolio expands.
  • Debt increased: Long-term debt rose to $996.7 million in Q2 2026 from $696.6 million in Q1, while the company issued $600 million of debt during the quarter.
  • Goodwill remains substantial: Goodwill of $3.1 billion represented roughly 4.5% of total assets in Q2 2026, increasing the importance of future acquisition performance and impairment risk.
09/09/26 11:05 AM ETAI Generated. May Contain Errors.

SouthState Bank Financials - Frequently Asked Questions

According to the most recent income statement we have on file, SouthState Bank's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

SouthState Bank's net income appears to be on an upward trend, with a most recent value of $798.67 million in 2025, rising from $99.47 million in 2015. The previous period was $534.78 million in 2024. View SouthState Bank's forecast to see where analysts expect SouthState Bank to go next.

Over the last 10 years, SouthState Bank's total revenue changed from $443.33 million in 2015 to $2.68 billion in 2025, a change of 504.8%.

SouthState Bank's total liabilities were at $58.14 billion at the end of 2025, a 43.6% increase from 2024, and a 675.4% increase since 2015.

In the past 10 years, SouthState Bank's cash and equivalents has ranged from $178.66 million in 2015 to $583.38 million in 2025, and is currently $583.38 million as of their latest financial filing in 2025.


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Financial statements for NYSE:SSB last updated on 7/31/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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