SOUTHSTATE BANK CORP (SSB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SSB - US84472E1029 - Common Stock
96.78 USD
+1.23 (+1.29%)
Overall SSB gets a fundamental rating of 5 out of 10. We evaluated SSB against 387 industry peers in the Banks industry. While SSB is still in line with the averages on profitability rating, there are concerns on its financial health. SSB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! SSB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SSB was profitable.
In the past year SSB had a positive cash flow from operations.
Each year in the past 5 years SSB has been profitable.
Each year in the past 5 years SSB had a positive operating cash flow.
1.2 Ratios
SSB has a Return On Assets of 1.05%. This is in the better half of the industry: SSB outperforms 65.37% of its industry peers.
With a Return On Equity value of 7.71%, SSB is not doing good in the industry: 60.72% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 7.71% | ||
| ROIC | N/A |
ROA(3y)1.13%
ROA(5y)0.97%
ROE(3y)9.26%
ROE(5y)8.06%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SSB has a Profit Margin of 28.44%. This is in the better half of the industry: SSB outperforms 71.06% of its industry peers.
SSB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for SSB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.44% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.15%
PM growth 5Y1.58%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SSB has been increased compared to 1 year ago.
Compared to 5 years ago, SSB has more shares outstanding
SSB has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SSB is 3.62, which is a good value as it means it would take SSB, 3.62 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.62, SSB is not doing good in the industry: 64.60% of the companies in the same industry are doing better.
SSB has a Debt/Equity ratio of 0.14. This is a healthy value indicating a solid balance between debt and equity.
SSB has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: SSB outperforms 56.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 3.62 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.11%, which is quite impressive.
Measured over the past 5 years, SSB shows a small growth in Earnings Per Share. The EPS has been growing by 5.04% on average per year.
SSB shows a strong growth in Revenue. In the last year, the Revenue has grown by 44.89%.
SSB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.53% yearly.
EPS 1Y (TTM)29.11%
EPS 3Y-1.66%
EPS 5Y5.04%
EPS Q2Q%35.79%
Revenue 1Y (TTM)44.89%
Revenue growth 3Y7.38%
Revenue growth 5Y21.53%
Sales Q2Q%63.87%
3.2 Future
The Earnings Per Share is expected to grow by 12.73% on average over the next years. This is quite good.
The Revenue is expected to grow by 19.82% on average over the next years. This is quite good.
EPS Next Y30.48%
EPS Next 2Y14.49%
EPS Next 3Y12.73%
EPS Next 5YN/A
Revenue Next Year56.16%
Revenue Next 2Y27.09%
Revenue Next 3Y19.82%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.80, the valuation of SSB can be described as very reasonable.
Based on the Price/Earnings ratio, SSB is valued a bit cheaper than the industry average as 73.13% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SSB to the average of the S&P500 Index (26.87), we can say SSB is valued rather cheaply.
A Price/Forward Earnings ratio of 10.25 indicates a reasonable valuation of SSB.
SSB's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.46, SSB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 10.25 |
4.2 Price Multiples
SSB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. SSB is more expensive than 78.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 27.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SSB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SSB's earnings are expected to grow with 12.73% in the coming years.
PEG (NY)0.35
PEG (5Y)2.14
EPS Next 2Y14.49%
EPS Next 3Y12.73%
5. Dividend
5.1 Amount
SSB has a Yearly Dividend Yield of 2.55%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.78, SSB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, SSB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
5.2 History
The dividend of SSB has a limited annual growth rate of 5.34%.
SSB has been paying a dividend for at least 10 years, so it has a reliable track record.
SSB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.34%
Div Incr Years13
Div Non Decr Years27
5.3 Sustainability
SSB pays out 30.58% of its income as dividend. This is a sustainable payout ratio.
SSB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP30.58%
EPS Next 2Y14.49%
EPS Next 3Y12.73%
NYSE:SSB (1/6/2026, 1:29:02 PM)
96.78
+1.23 (+1.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners84.61%
Inst Owner Change0%
Ins Owners0.95%
Ins Owner Change-1.82%
Market Cap9.73B
Revenue(TTM)2.44B
Net Income(TTM)695.12M
Analysts82.35
Price Target116.9 (20.79%)
Short Float %2.59%
Short Ratio3.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
Yearly Dividend2.14
Dividend Growth(5Y)5.34%
DP30.58%
Div Incr Years13
Div Non Decr Years27
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.81%
Min EPS beat(2)13.56%
Max EPS beat(2)16.07%
EPS beat(4)4
Avg EPS beat(4)19.8%
Min EPS beat(4)11.85%
Max EPS beat(4)37.71%
EPS beat(8)8
Avg EPS beat(8)14.66%
EPS beat(12)8
Avg EPS beat(12)7.94%
EPS beat(16)12
Avg EPS beat(16)8.22%
Revenue beat(2)2
Avg Revenue beat(2)3.35%
Min Revenue beat(2)1.91%
Max Revenue beat(2)4.79%
Revenue beat(4)4
Avg Revenue beat(4)2.82%
Min Revenue beat(4)1.91%
Max Revenue beat(4)4.79%
Revenue beat(8)5
Avg Revenue beat(8)1.15%
Revenue beat(12)8
Avg Revenue beat(12)0.92%
Revenue beat(16)11
Avg Revenue beat(16)0.85%
PT rev (1m)0.5%
PT rev (3m)-1.98%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)0.94%
EPS NY rev (1m)0.08%
EPS NY rev (3m)4.62%
Revenue NQ rev (1m)-0.09%
Revenue NQ rev (3m)0.09%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)1.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.8 | ||
| Fwd PE | 10.25 | ||
| P/S | 3.98 | ||
| P/FCF | 27.33 | ||
| P/OCF | 22.99 | ||
| P/B | 1.08 | ||
| P/tB | 1.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.96
EY9.26%
EPS(NY)9.44
Fwd EY9.75%
FCF(TTM)3.54
FCFY3.66%
OCF(TTM)4.21
OCFY4.35%
SpS24.32
BVpS89.65
TBVpS53.95
PEG (NY)0.35
PEG (5Y)2.14
Graham Number134.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 7.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.44% | ||
| GM | N/A | ||
| FCFM | 14.56% |
ROA(3y)1.13%
ROA(5y)0.97%
ROE(3y)9.26%
ROE(5y)8.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.15%
PM growth 5Y1.58%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | 3.62 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.08% | ||
| Cap/Sales | 2.74% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 51.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.48%
ROIC/WACCN/A
Cap/Depr(3y)52.22%
Cap/Depr(5y)47.62%
Cap/Sales(3y)1.8%
Cap/Sales(5y)1.79%
Profit Quality(3y)179.06%
Profit Quality(5y)209.96%
High Growth Momentum
Growth
EPS 1Y (TTM)29.11%
EPS 3Y-1.66%
EPS 5Y5.04%
EPS Q2Q%35.79%
EPS Next Y30.48%
EPS Next 2Y14.49%
EPS Next 3Y12.73%
EPS Next 5YN/A
Revenue 1Y (TTM)44.89%
Revenue growth 3Y7.38%
Revenue growth 5Y21.53%
Sales Q2Q%63.87%
Revenue Next Year56.16%
Revenue Next 2Y27.09%
Revenue Next 3Y19.82%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-62.33%
FCF growth 3Y7.13%
FCF growth 5Y23.58%
OCF growth 1Y-56.63%
OCF growth 3Y7.19%
OCF growth 5Y23.12%
SOUTHSTATE BANK CORP / SSB FAQ
What is the ChartMill fundamental rating of SOUTHSTATE BANK CORP (SSB) stock?
ChartMill assigns a fundamental rating of 5 / 10 to SSB.
What is the valuation status of SOUTHSTATE BANK CORP (SSB) stock?
ChartMill assigns a valuation rating of 5 / 10 to SOUTHSTATE BANK CORP (SSB). This can be considered as Fairly Valued.
How profitable is SOUTHSTATE BANK CORP (SSB) stock?
SOUTHSTATE BANK CORP (SSB) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for SSB stock?
The Earnings per Share (EPS) of SOUTHSTATE BANK CORP (SSB) is expected to grow by 30.48% in the next year.
How sustainable is the dividend of SOUTHSTATE BANK CORP (SSB) stock?
The dividend rating of SOUTHSTATE BANK CORP (SSB) is 7 / 10 and the dividend payout ratio is 30.58%.