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Southstate Bank Corp (SSB) stock

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NYSE: SSB NYSE Regional Banks Next results ~January 21, 2027

C Fundamentals grade

Southstate Bank Corp is a US-listed company in the regional banks industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$110

Valuation models combined (6)

Base case. Range ~$75–$120. Weighted average of 6 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), price-to-book vs peers, forward price-to-earnings vs peers, dividend discount (two-stage)), the residual income counting double.

Price vs value

Modestly overvalued

The price is inside our value range, 1% above our base value.

Price used: $107.01, November 2, 2026

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 3 selling0 purchases and 11 sales by directors and officers, last 12 monthsInsider trades
  • Funds281 adding, 215 cuttingOf 65 active managers that changed their stake, 38 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Southstate Bank files

10-Q filed October 30: Southstate Bank

Model value +2.8%

Revenue for the twelve months to September 2026 was $2.71bn, up 10.7% on a year earlier, slower than the 25.2% growth a quarter earlier. The diluted share count is up 3.2% on a year earlier, which dilutes existing holders. Our model value rises from $103 to $106 a share, against a share price of $105. The rating stays Hold.

Source: 10-Q filed October 30, 2026 on SEC EDGAR · Financials · Valuation

Earlier notes (2)

10-Q filed July 31: Southstate Bank

Southstate Bank Corp generated revenue of $2.71bn in the twelve months to June 2026, a 10.7% rise on the year before. That pace has cooled markedly from the 25.2% growth recorded a quarter earlier. Meanwhile, the diluted share count has grown 3.2% year on year, a dilution that works against existing holders. Our model value, at $103 a share, is little changed from before. Against a share price of $106, this leaves the stock trading above our estimate of fair value. Given the slowing top-line growth and the gap between price and model value, we keep the rating at Hold.

10-Q on SEC EDGAR

Where Southstate Bank stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $2.72bn, up 25.2% on a year earlier, slower than 40.3% a quarter earlier. That growth ranks 2 of 9 among the state commercial banks companies we cover. The diluted share count is up 11.6% on a year earlier, which dilutes existing holders. Our valuation models combined value is $106 a share, against a share price of $102.

10-Q on SEC EDGAR

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 21, 2027 (estimated)

Southstate Bank Corp's trailing-twelve-month revenue grew 10.7% year on year, with a free-cash-flow margin of 55.3%. Where it lags: change in growth rate of -14.5pp ranks 230 of 244 regional banks companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 320.7% while net income grew 33.4%: a 287pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Strengths

  • Strong cash generation. 55.3% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $3.0bn.

Things to watch

  • Growth slowing. The growth rate is 14.5 points lower than a quarter earlier.
  • Share dilution. Diluted shares rose 3.2% in a year.

Latest results: FY2026 Q3

Filed October 30, 2026
Earnings per share
$2.30 against an average estimate of $2.40: missed by 4.2%
Revenue
$685m, down 1.9% on a year earlier
Share reaction
+2.5% in the first session after the results on October 21, 2026, against -0.7% for the S&P 500
Next report
January 21, 2027; average EPS estimate $2.41

Southstate Bank's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+1.7%
  • 1 week+1.5%
  • 1 month+5.0%
  • This year+15.8%
  • 1 year+23.7%
  • 5 years+48.0%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

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Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$2.7B
Net margin
34.3%
EPS (TTM, diluted)
$9.40

Growth

Revenue growth
+10.7%
Change in growth rate
−14.5 pts
Share count change
+3.2%

Earnings

Last results
October 21, 2026
Next results (est.)
January 21, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Announcement
  3. Insider trade
  4. Results
  5. Leadership
  6. Announcement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Fundamentalytics rating

model v1.6 · 2026-11-03
Hold12-month view
12-month price target
~$110
Price used
$106.28close November 3, 2026
Implied change
▲ +0%
Uncertainty
Low

How we got here: the combined value of 6 valuation models built for a business like Southstate Bank Corp (see the models table below and how they are combined) , with a 8.57% cost of equity. The models span ~$75–~$120; that spread sets a 15% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Southstate Bank Corp as a bank or lender, with every model that fits that kind of business. Cost of equity 8.6%: the 10-year Treasury yield (4.9%) plus a beta of 0.81 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$110 ~$75–$160 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$110 ~$95–$140 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$120 ~$72–$170 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$75 ~$98–$150 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$100 ~$95–$120 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$120 ~$96–$140 Included
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$110 ~$75–$120 6 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Southstate Bank Corp with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

56 /100

Moderate moat

How hard Southstate Bank's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 13 / 20

    Net income has been a median 1.1% of total assets over 10 years.

  • Durability 14 / 20

    Net margin has been a median 29.1%; its worst year was 8.9%.

  • Discipline 10 / 20

    The diluted share count rose 38.2% over five years; stock-based pay has been a median 1.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (61 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 21, 2027, after the close. Analysts expect revenue of $703m and EPS of $2.41 (range $2.37 to $2.46) for the quarter.

Analysts' consensus

Southstate Bank Corp: consensus estimates
Fiscal yearEPSGrowthRevenueGrowth
Current $9.35 −2% $2.7bn +2%
Next $10.33 +11% $2.9bn +7%

Next year's EPS estimate has moved −0.5% in 90 days, across 14 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is −1.4% on 90 days ago. In the last 30 days, 5 analysts raised Southstate Bank Corp's forecast and 3 cut it.

Consensus EPS forecast Southstate Bank Corp, last 90 days
$9.00 $9.50 $10.00 $10.50 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $9.48 Current fiscal year, 60 days ago: $9.48 Current fiscal year, 30 days ago: $9.47 Current fiscal year, 7 days ago: $9.48 Current fiscal year, Now: $9.35 $9.35 Next fiscal year, 90 days ago: $10.38 Next fiscal year, 60 days ago: $10.38 Next fiscal year, 30 days ago: $10.37 Next fiscal year, 7 days ago: $10.38 Next fiscal year, Now: $10.33 $10.33

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $9.48$10.38
60 days ago $9.48$10.38
30 days ago $9.47$10.37
7 days ago $9.48$10.38
Now $9.35$10.33

Earnings against estimates

Southstate Bank Corp: reported EPS against the consensus estimate
Quarter toEstimateActualSurprise
Sept 2026 $2.40 $2.30 −4.2%
Jun 2026 $2.29 $2.35 +2.4%
Mar 2026 $2.21 $2.28 +3.0%
Dec 2025 $2.28 $2.47 +8.2%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 21, 2026

No numeric guidance in Southstate Bank Corp's latest earnings release (filed October 21, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

14 analysts, Oct 2026
Buy1286%
Hold214%
Sell00%

Monthly trend

  1. Oct 202648214
  2. Sep 202648214
  3. Aug 202648214
  4. Jul 202648214

Counts of recommendations published by analysts covering Southstate Bank Corp, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
4.2%
of tradable shares
Days to cover
5.15
at average volume
Short interest, 1 month
+21%
to October 15, 2026
Held by institutions
90%
of shares
Held by insiders
1.3%
of shares
Employees
6,000
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

Recent prices are available. Older price history and the statistics that need it are being loaded in the background.

What moved the share price

Last 12 months +23.7%

$86.48 on October 31, 2025 to $107.01

Southstate Bank Corp: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $2.2bn $2.7bn +25.2%
Net margin 27.2% 34.9% +28.3%
P/E multiple 13.1x 11.2x −14.0%
Share count 89m 100m −10.4%

Biggest factor: net margin.

Last 3 years +58.1%

$67.69 on November 3, 2023 to $107.01

Southstate Bank Corp: share-price change split into its parts
PartThenNowEffect
Revenue (last 12 months) $1.8bn $2.7bn +52.3%
Net margin 30.2% 34.9% +15.6%
P/E multiple 9.6x 11.2x +17.4%
Share count 76m 100m −23.5%

Biggest factor: revenue.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Southstate Bank Corp: yearly return, monthly win rate and worst fall against the S&P 500
Calendar year 202120222023202420252026 to date
Return
SSB+14%−2%+14%+21%−3%+16%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
SSB67%50%50%58%58%64%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
SSB−30%−20%−26%−17%−25%−18%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since October 29, 2015: 52% from June 6, 2018 to May 13, 2020. Getting back needed a 107% gain, reached on March 8, 2021, 299 days after the low.

Price behaviour

52-week range
$83.79 – $111.59
From 52-week high
−4.1%
vs 50-day average
+3.3%
vs 200-day average
+7.5%
Volatility (1 year)
22%
Beta vs S&P 500
0.56

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
7 up, 5 down
typical move ±2.6%
After a week
7 up, 5 down
typical move ±3.1%
After a month
5 up, 6 down
typical move ±3.3%
Southstate Bank Corp: share-price change after each results release
Results releasedNext dayS&P 500 next day5 days21 days
October 21, 2026 +2.5% −0.7% +2.3% —
July 23, 2026 +3.7% −1.1% +3.0% +5.2%
April 23, 2026 −2.8% +0.4% +0.1% −2.4%
January 22, 2026 −0.4% +0.6% +2.2% +0.6%
October 22, 2025 −4.9% +0.1% −6.6% −8.7%
July 24, 2025 +1.3% +0.5% −3.1% +4.0%
April 24, 2025 −1.5% +2.8% −1.1% −0.6%
January 23, 2025 +4.2% +0.3% +6.5% −0.2%
October 23, 2024 +0.9% −0.7% +2.7% +10.5%
July 24, 2024 +4.3% −2.8% +6.1% −1.0%
April 25, 2024 −2.7% +0.6% −2.4% −3.1%
January 25, 2024 +2.4% +0.4% −1.7% +0.4%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Options strategies

All options ideas

How Southstate Bank Corp’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.

Cash-secured put

Not offered: fundamentals grade C (needs B+ or better).

We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.

Covered call

Not offered: no liquid call at or above our price target — the model says the upside is worth more than any listed strike.

For holders: sell a call at a strike at or above our fair value, so the shares are only sold at a price the model calls full value.

Collar

Not offered: the shares trade below our fair value: a collar caps upside the model expects.

For holders of a stock trading at or above our fair value: buy a put for a floor and sell a call to pay for it.

General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.

Southstate Bank Corp in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Southstate Bank Corp
$1.5B $2B $2.5B $3B FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $1.7B Revenue (TTM), FY24 Q1: $1.7B Revenue (TTM), FY24 Q2: $1.7B Revenue (TTM), FY24 Q3: $1.7B Revenue (TTM), FY24 Q4: $1.7B Revenue (TTM), FY25 Q1: $1.9B Revenue (TTM), FY25 Q2: $2.2B Revenue (TTM), FY25 Q3: $2.4B Revenue (TTM), FY25 Q4: $2.7B Revenue (TTM), FY26 Q1: $2.7B Revenue (TTM), FY26 Q2: $2.7B Revenue (TTM), FY26 Q3: $2.7B $2.7B

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $1.7B
FY24 Q1 $1.7B
FY24 Q2 $1.7B
FY24 Q3 $1.7B
FY24 Q4 $1.7B
FY25 Q1 $1.9B
FY25 Q2 $2.2B
FY25 Q3 $2.4B
FY25 Q4 $2.7B
FY26 Q1 $2.7B
FY26 Q2 $2.7B
FY26 Q3 $2.7B
Revenue growth, TTM YoY Southstate Bank Corp
-20% 0% 20% 40% 60% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: 5.8% Revenue growth, TTM YoY, FY24 Q1: -2.7% Revenue growth, TTM YoY, FY24 Q2: -5.5% Revenue growth, TTM YoY, FY24 Q3: -5.2% Revenue growth, TTM YoY, FY24 Q4: -1.3% Revenue growth, TTM YoY, FY25 Q1: 13.5% Revenue growth, TTM YoY, FY25 Q2: 28.6% Revenue growth, TTM YoY, FY25 Q3: 44.9% Revenue growth, TTM YoY, FY25 Q4: 56.1% Revenue growth, TTM YoY, FY26 Q1: 40.3% Revenue growth, TTM YoY, FY26 Q2: 25.2% Revenue growth, TTM YoY, FY26 Q3: 10.7% 10.7%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 5.8%
FY24 Q1 -2.7%
FY24 Q2 -5.5%
FY24 Q3 -5.2%
FY24 Q4 -1.3%
FY25 Q1 13.5%
FY25 Q2 28.6%
FY25 Q3 44.9%
FY25 Q4 56.1%
FY26 Q1 40.3%
FY26 Q2 25.2%
FY26 Q3 10.7%
FCF margin (TTM) Southstate Bank Corp
-20% 0% 20% 40% 60% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 29.2% FCF margin (TTM), FY24 Q1: 42.8% FCF margin (TTM), FY24 Q2: 32.0% FCF margin (TTM), FY24 Q3: -9.0% FCF margin (TTM), FY24 Q4: 27.7% FCF margin (TTM), FY25 Q1: 3.4% FCF margin (TTM), FY25 Q2: 0.0% FCF margin (TTM), FY25 Q3: 14.6% FCF margin (TTM), FY25 Q4: 8.6% FCF margin (TTM), FY26 Q1: 24.1% FCF margin (TTM), FY26 Q2: 31.6% FCF margin (TTM), FY26 Q3: 55.3% 55.3%

Source: SEC EDGAR filings. Retrieved October 30, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 29.2%
FY24 Q1 42.8%
FY24 Q2 32.0%
FY24 Q3 -9.0%
FY24 Q4 27.7%
FY25 Q1 3.4%
FY25 Q2 0.0%
FY25 Q3 14.6%
FY25 Q4 8.6%
FY26 Q1 24.1%
FY26 Q2 31.6%
FY26 Q3 55.3%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Southstate Bank earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $3.4B
  2. Fee and other income $378M · 14.1%
  3. Interest paid $1.1B
  4. Net interest income $2.3B · 85.9%
  5. Revenue $2.7B
  6. Non-interest expense $1.5B · 56.7%
  7. Credit-loss provisions $120M · 4.5%
  8. Pre-tax profit $1B · 38.8%
  9. Income tax $242M · 9.0%
  10. Net income $799M · 29.8%
Where Southstate Bank's revenue went, FY2025
Interest income $3.4B
Fee and other income $378M 14.1% of revenue
Interest paid $1.1B
Net interest income $2.3B 85.9% of revenue
Revenue $2.7B
Non-interest expense $1.5B 56.7% of revenue
Credit-loss provisions $120M 4.5% of revenue
Pre-tax profit $1B 38.8% of revenue
Income tax $242M 9.0% of revenue
Net income $799M 29.8% of revenue

Shares of revenue. Source: Southstate Bank's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Southstate Bank Corp: annual financial statements
Fiscal year 2009 Dec 2009 2010 Dec 2010 2011 Dec 2011 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 131 260 207 218 327 421 443 446 549 659 648 1,138 1,387 1,645 1,740 1,718 2,681 2,707
Net income 14 52 23 30 49 75 99 101 88 179 186 121 476 496 494 535 799 927
Diluted EPS $0.74 $4.08 $1.63 $2.03 $2.38 $3.08 $4.11 $4.18 $2.93 $4.86 $5.36 $2.19 $6.71 $6.60 $6.46 $6.97 $7.87 $9.40
Growth (year on year)
Revenue — +99.0% −20.7% +5.4% +50.3% +28.7% +5.3% +0.6% +23.1% +20.0% −1.7% +75.6% +22.0% +18.6% +5.8% −1.3% +56.1% +10.7%
Net income — +281.6% −56.4% +32.9% +63.9% +53.3% +31.9% +1.8% −13.6% +104.3% +4.3% −35.3% +294.2% +4.3% −0.4% +8.2% +49.3% +33.4%
Diluted EPS — +451.4% −60.0% +24.5% +17.2% +29.4% +33.4% +1.7% −29.9% +65.9% +10.3% −59.1% +206.4% −1.6% −2.1% +7.9% +12.9% +29.3%
Margins
Net margin 10.4% 19.9% 10.9% 13.8% 15.0% 17.9% 22.4% 22.7% 15.9% 27.1% 28.8% 10.6% 34.3% 30.2% 28.4% 31.1% 29.8% 34.3%
Free-cash-flow margin 26.0% 30.4% 65.6% 74.5% 69.9% 24.4% 38.7% 25.2% 33.3% 40.8% 25.5% 45.7% 27.9% 104.2% 29.2% 27.7% 8.6% 55.3%
Cash flow
Cash from operations 40 103 155 171 242 119 187 138 198 284 181 537 416 1,731 547 512 301 1,565
Capital spending 6 24 19 8 14 16 15 26 15 15 16 17 28 18 39 36 70 67
Free cash flow 34 79 135 162 229 103 172 112 183 269 165 520 387 1,713 508 476 231 1,498
Stock-based pay 1 2 2 2 3 4 6 6 7 9 9 23 26 36 36 28 37 38
Free cash flow after stock pay 33 77 134 160 225 99 166 106 176 260 156 497 362 1,678 472 448 194 1,460
Balance sheet
Cash 105 237 171 381 479 418 696 374 378 409 689 4,609 6,722 1,313 999 1,392 3,172 2,975
Total debt 0 0 47 55 102 101 55 55 — 150 700 0 0 0 100 0 0 0
Net debt (negative = net cash) −105 −237 −125 −326 −377 −317 −641 −319 −378 −259 11 −4,609 −6,722 −1,313 −899 −1,392 −3,172 −2,975
Diluted shares 12m 13m 14m 15m 20m 24m 24m 24m 30m 37m 35m 55m 71m 75m 76m 77m 101m 99m
Returned to shareholders
Dividends 8 9 10 10 15 20 24 29 39 51 58 98 135 147 156 163 231 242
Buybacks 0 0 0 1 1 1 6 6 6 71 159 32 147 119 16 17 236 466
Total returned 9 9 10 11 16 21 29 35 44 121 217 131 283 266 172 180 467 709

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q3 TTM
Buybacks (TTM)
$466M
Dividends (TTM)
$242M
Returned to shareholders
47%
of free cash flow
Buybacks, last 3 fiscal years
$269M
Diluted share count
+3.2%
year over year
Total shareholder yield
6.8%
dividends 2.3% + buybacks 4.5% of market value
Dividend payout ratio
26%
of net income paid out

Competitors: side by side with peers

Closest by revenue in regional banks
Growth, margins and cash generation against peers
Last 12 months unless stated SSB COLB ONB WTFC UMBF EWBC Median
Revenue, last 12 months $2.7bn $2.7bn $2.8bn $2.9bn $3.0bn $3.1bn $255m
Revenue growth, last 12 months 10.7% 33.7% 21.8% 11.5% 27.3% 13.7% 12.5%
Revenue growth, 3-year average 15.0% 18.1% 13.7% 9.5% 27.2% 6.0% 6.0%
Revenue growth, latest quarter −1.9% 32.5% 1.1% 10.1% 13.9% 12.5% 10.7%
Net margin 34.3% 26.8% 33.8% 31.4% 34.3% 46.6% 28.7%
Cash from operations / revenue 57.8% 49.2% 36.2% 57.4% 39.4% 63.7% 34.3%
Free-cash-flow margin 55.3% 43.3% 34.6% 55.1% 37.9% 63.7% 31.4%
Free-cash-flow margin, 3-year average 20.3% 32.4% 29.6% 36.5% 31.8% 57.8% 29.9%
Stock pay / revenue 1.4% 1.4% 1.2% 1.5% 1.4% 2.8% 1.2%
Change in share count 3.2% 32.9% 10.8% 1.3% 14.4% −0.4% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measures ranked against peers
Measure Company Peer median Rank
Revenue growth Growth 10.7% 12.5% 145 of 245
Change in growth rate Growth -14.5pp +0.0pp 230 of 244
Net margin Profitability 34.3% 28.7% 50 of 245
Stock pay as % of revenue Cash generation 1.4% 1.3% 121 of 206
Change in share count Balance sheet 3.2% 0.4% 164 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Products and services
Line of business Revenue YoY
Banking $166M ▲ 16.9%
Deposit Account $158M ▲ 16.3%
Correspondent Banking and Capital Market Income $72M ▲ 120.7%
Fiduciary and Trust $58.2M ▲ 28.0%
Interchange and Debit Card Transaction Fees $48.6M ▲ 10.2%
Mortgage Banking $24.3M ▲ 21.2%
Small Business Administration Income $9.2M ▼ 43.3%

These categories overlap or exclude eliminations, so shares aren't shown.

From Southstate Bank Corp's 10-K filed February 20, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Reported value
$8.5B
Institutions reporting
550
Shares held vs prior quarter
▲ 3.2%
Positions opened / closed
86 / 43

Top buyers and sellers, Q2 2026: 281 institutions bought and 215 sold ; the biggest buyer was Qube Research & Technologies Ltd (+395K shares) and the biggest seller Capital Research Global Investors (−695K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $982M 9.8M 11.5% ▲ 3.7%
Vanguard Portfolio Management LLC $634M 6.3M 7.4% ▲ 2.2%
Dimensional Fund Advisors LP $510M 5.1M 6.0% ▲ 3.4%
Vanguard Capital Management LLC $441M 4.4M 5.2% ▲ 0.3%
State Street Corp $385M 3.9M 4.5% ▲ 3.3%
T. Rowe Price Investment Management, Inc. $257M 2.6M 3.0% ▼ 3.8%
Invesco Ltd. $229M 2.3M 2.7% ▲ 7.9%
American Century Companies Inc $208M 2.1M 2.4% ▼ 1.1%
FMR LLC $208M 2.1M 2.4% ▲ 19.9%
Geode Capital Management, LLC $195M 1.9M 2.3% ▼ 0.5%
Franklin Resources Inc $184M 1.8M 2.2% ▲ 3.4%
AQR Capital Management LLC $183M 1.8M 2.1% ▲ 23.8%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Southstate Bank Corp's complete shareholder register. Values are as reported by the filers ; 1 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Recent insider open-market transactions
Insider Date Trade Shares Price Value
Matthews William E V Chief Financial Officer August 19, 2026 Sell 4,000 $108.93 $435,720
Brooks David R Director August 5, 2026 Sell pre-set plan 3,750 $110.00 $412,500
Brooks David R Director August 5, 2026 Sell pre-set plan 1,100 $110.00 $121,000
Brooks David R Director August 5, 2026 Sell pre-set plan 18,000 $110.00 $2M
Brooks David R Director August 5, 2026 Sell pre-set plan 1,800 $110.00 $198,000
Brooks David R Director August 3, 2026 Sell 6,181 $107.92 $667,054
Brooks David R Director April 28, 2026 Sell 5,300 $98.39 $521,467
Brooks David R Director April 28, 2026 Sell 9,000 $98.39 $885,510
Brooks David R Director April 28, 2026 Sell pre-set plan 5,300 $98.39 $521,467
Brooks David R Director April 28, 2026 Sell pre-set plan 9,000 $98.39 $885,510
Murray Richard Iv President February 18, 2026 Sell 10,156 $104.76 $1.1M

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Trades by members of Congress

All 27 trades and filings

No trades in Southstate Bank Corp disclosed in the last 12 months; 27 earlier trades on record.

  • Rick W. Allen(R-GA 12):Sale (full), $100,001 - $250,000, traded March 27, 2023, filed June 2, 2023
  • Rick W. Allen(R-GA 12):Sale (partial), $50,001 - $100,000, traded March 9, 2023, filed August 10, 2023
  • Rick W. Allen(R-GA 12):Sale (partial), $50,001 - $100,000, traded January 13, 2023, filed August 10, 2023

Value ranges as filed; reports can arrive up to 45 days after a trade.

Earnings dates and SEC filings

Results announcements

Next expected around January 21, 2027 estimated from the company's past filing pattern, not announced

  • October 21, 2026
  • July 23, 2026
  • April 23, 2026
  • January 22, 2026
  • October 22, 2025
  • July 24, 2025

Recent SEC filings

Data status

When each part of this page on Southstate Bank Corp was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Southstate Bank Corp in brief

What does Southstate Bank Corp do?
Southstate Bank Corp is a US-listed company in the regional banks industry. Its financial year ends in December.
What is Southstate Bank Corp's stock ticker?
Southstate Bank Corp trades under the ticker SSB on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Southstate Bank Corp's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Southstate Bank Corp reported revenue of $2.7B, 10.7% higher than a year earlier, according to its SEC filings.
What is Southstate Bank Corp's free cash flow?
Southstate Bank Corp's free-cash-flow margin is 55.3% of revenue over the trailing twelve months.
Who are Southstate Bank Corp's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Vanguard Portfolio Management LLC and Dimensional Fund Advisors LP. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Southstate Bank Corp buying back stock, and does it pay a dividend?
Southstate Bank Corp spent $466M on share repurchases over the trailing twelve months, and its diluted share count still rose 3.2% over the year.
What is Southstate Bank Corp's market cap?
On November 2, 2026, Southstate Bank Corp's market capitalisation was about $10.6B, with a price-to-earnings ratio of 11.4 and net debt of -$3B. Market figures come from third-party market data and may be delayed.
Does Southstate Bank Corp pay a dividend?
Yes: Southstate Bank Corp paid $242M in dividends over the trailing twelve months, a dividend yield of 2.34% and a payout ratio of 26.1%.
Who are Southstate Bank Corp's competitors?
In our Regional Banks peer group, the companies closest to Southstate Bank Corp are Columbia Banking System, Inc., OLD National Bancorp, Wintrust Financial Corp, UMB Financial Corp and East West Bancorp Inc. The side-by-side comparison below sets their revenue, margins and growth against Southstate Bank Corp's.
Are insiders buying or selling Southstate Bank Corp stock?
Over the last 12 months, Southstate Bank Corp's directors and officers reported 0 open-market purchases and 11 sales on Form 4. The insider trading page charts every trade.
When is Southstate Bank Corp's next earnings date?
Around January 21, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Southstate Bank Corp announces its own schedule.