SOUTHSTATE BANK CORP (SSB) Fundamental Analysis & Valuation

NYSE:SSB • US84472E1029

Current stock price

90.43 USD
-0.02 (-0.02%)
At close:
90.43 USD
0 (0%)
After Hours:

This SSB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SSB Profitability Analysis

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.
SSB Yearly Net Income VS EBIT VS OCF VS FCFSSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

1.2 Ratios

  • With a decent Return On Assets value of 1.19%, SSB is doing good in the industry, outperforming 75.07% of the companies in the same industry.
  • SSB has a Return On Equity (8.82%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.19%
ROE 8.82%
ROIC N/A
ROA(3y)1.15%
ROA(5y)1.14%
ROE(3y)8.94%
ROE(5y)9.3%
ROIC(3y)N/A
ROIC(5y)N/A
SSB Yearly ROA, ROE, ROICSSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • SSB's Profit Margin of 29.79% is fine compared to the rest of the industry. SSB outperforms 75.59% of its industry peers.
  • In the last couple of years the Profit Margin of SSB has grown nicely.
  • SSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.79%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.4%
PM growth 5Y22.95%
GM growth 3YN/A
GM growth 5YN/A
SSB Yearly Profit, Operating, Gross MarginsSSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. SSB Health Analysis

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
  • Compared to 1 year ago, SSB has about the same debt to assets ratio.
SSB Yearly Shares OutstandingSSB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
SSB Yearly Total Debt VS Total AssetsSSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B

2.2 Solvency

  • SSB has a debt to FCF ratio of 5.70. This is a neutral value as SSB would need 5.70 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 5.70, SSB is doing worse than 71.92% of the companies in the same industry.
  • SSB has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.15, SSB is in line with its industry, outperforming 54.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 5.7
Altman-Z N/A
ROIC/WACCN/A
WACC16.41%
SSB Yearly LT Debt VS Equity VS FCFSSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SSB Yearly Current Assets VS Current LiabilitesSSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SSB Growth Analysis

3.1 Past

  • SSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.94%, which is quite impressive.
  • The Earnings Per Share has been growing by 14.97% on average over the past years. This is quite good.
  • The Revenue has grown by 56.08% in the past year. This is a very strong growth!
  • SSB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.70% yearly.
EPS 1Y (TTM)31.94%
EPS 3Y10.3%
EPS 5Y14.97%
EPS Q2Q%27.98%
Revenue 1Y (TTM)56.08%
Revenue growth 3Y17.69%
Revenue growth 5Y18.7%
Sales Q2Q%52.53%

3.2 Future

  • Based on estimates for the next years, SSB will show a small growth in Earnings Per Share. The EPS will grow by 6.20% on average per year.
  • Based on estimates for the next years, SSB will show a small growth in Revenue. The Revenue will grow by 4.88% on average per year.
EPS Next Y1.17%
EPS Next 2Y5.81%
EPS Next 3Y6.2%
EPS Next 5YN/A
Revenue Next Year4.54%
Revenue Next 2Y5.45%
Revenue Next 3Y4.88%
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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SSB Yearly Revenue VS EstimatesSSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
SSB Yearly EPS VS EstimatesSSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8 10

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4

4. SSB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.52 indicates a reasonable valuation of SSB.
  • 80.58% of the companies in the same industry are more expensive than SSB, based on the Price/Earnings ratio.
  • SSB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
  • The Price/Forward Earnings ratio is 9.41, which indicates a very decent valuation of SSB.
  • SSB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SSB is cheaper than 60.63% of the companies in the same industry.
  • SSB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.52
Fwd PE 9.41
SSB Price Earnings VS Forward Price EarningsSSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • SSB's Price/Free Cash Flow ratio is rather expensive when compared to the industry. SSB is more expensive than 80.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 38.46
EV/EBITDA N/A
SSB Per share dataSSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)8.12
PEG (5Y)0.64
EPS Next 2Y5.81%
EPS Next 3Y6.2%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. SSB Dividend Analysis

5.1 Amount

  • SSB has a Yearly Dividend Yield of 2.65%.
  • Compared to an average industry Dividend Yield of 2.90, SSB has a dividend in line with its industry peers.
  • SSB's Dividend Yield is a higher than the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 2.65%

5.2 History

  • On average, the dividend of SSB grows each year by 7.08%, which is quite nice.
  • SSB has paid a dividend for at least 10 years, which is 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)7.08%
Div Incr Years13
Div Non Decr Years27
SSB Yearly Dividends per shareSSB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • 28.96% of the earnings are spent on dividend by SSB. This is a low number and sustainable payout ratio.
  • SSB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP28.96%
EPS Next 2Y5.81%
EPS Next 3Y6.2%
SSB Yearly Income VS Free CF VS DividendSSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B
SSB Dividend Payout.SSB Dividend Payout, showing the Payout Ratio.SSB Dividend Payout.PayoutRetained Earnings

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SSB Fundamentals: All Metrics, Ratios and Statistics

SOUTHSTATE BANK CORP

NYSE:SSB (3/13/2026, 8:04:00 PM)

After market: 90.43 0 (0%)

90.43

-0.02 (-0.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-24
Inst Owners84.63%
Inst Owner Change-5.29%
Ins Owners1.01%
Ins Owner Change3.21%
Market Cap8.87B
Revenue(TTM)2.68B
Net Income(TTM)798.67M
Analysts83.53
Price Target122.4 (35.35%)
Short Float %2.6%
Short Ratio3.1
Dividend
Industry RankSector Rank
Dividend Yield 2.65%
Yearly Dividend2.64
Dividend Growth(5Y)7.08%
DP28.96%
Div Incr Years13
Div Non Decr Years27
Ex-Date02-06
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.76%
Min EPS beat(2)7.45%
Max EPS beat(2)16.07%
EPS beat(4)4
Avg EPS beat(4)18.7%
Min EPS beat(4)7.45%
Max EPS beat(4)37.71%
EPS beat(8)8
Avg EPS beat(8)14.68%
EPS beat(12)9
Avg EPS beat(12)9.05%
EPS beat(16)12
Avg EPS beat(16)8.45%
Revenue beat(2)2
Avg Revenue beat(2)3.42%
Min Revenue beat(2)2.05%
Max Revenue beat(2)4.79%
Revenue beat(4)4
Avg Revenue beat(4)2.69%
Min Revenue beat(4)1.91%
Max Revenue beat(4)4.79%
Revenue beat(8)6
Avg Revenue beat(8)1.47%
Revenue beat(12)8
Avg Revenue beat(12)0.95%
Revenue beat(16)11
Avg Revenue beat(16)0.89%
PT rev (1m)0.98%
PT rev (3m)5.23%
EPS NQ rev (1m)0.15%
EPS NQ rev (3m)0.69%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.66%
Revenue NQ rev (1m)0.26%
Revenue NQ rev (3m)1.01%
Revenue NY rev (1m)0.21%
Revenue NY rev (3m)1.08%
Valuation
Industry RankSector Rank
PE 9.52
Fwd PE 9.41
P/S 3.31
P/FCF 38.46
P/OCF 29.48
P/B 0.98
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)9.5
EY10.51%
EPS(NY)9.61
Fwd EY10.63%
FCF(TTM)2.35
FCFY2.6%
OCF(TTM)3.07
OCFY3.39%
SpS27.34
BVpS92.37
TBVpS56.03
PEG (NY)8.12
PEG (5Y)0.64
Graham Number140.52
Profitability
Industry RankSector Rank
ROA 1.19%
ROE 8.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.79%
GM N/A
FCFM 8.6%
ROA(3y)1.15%
ROA(5y)1.14%
ROE(3y)8.94%
ROE(5y)9.3%
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-0.4%
PM growth 5Y22.95%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.15
Debt/FCF 5.7
Debt/EBITDA N/A
Cap/Depr 44.58%
Cap/Sales 2.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 28.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC16.41%
ROIC/WACCN/A
Cap/Depr(3y)57.95%
Cap/Depr(5y)49.25%
Cap/Sales(3y)2.31%
Cap/Sales(5y)2.01%
Profit Quality(3y)73.55%
Profit Quality(5y)129.5%
High Growth Momentum
Growth
EPS 1Y (TTM)31.94%
EPS 3Y10.3%
EPS 5Y14.97%
EPS Q2Q%27.98%
EPS Next Y1.17%
EPS Next 2Y5.81%
EPS Next 3Y6.2%
EPS Next 5YN/A
Revenue 1Y (TTM)56.08%
Revenue growth 3Y17.69%
Revenue growth 5Y18.7%
Sales Q2Q%52.53%
Revenue Next Year4.54%
Revenue Next 2Y5.45%
Revenue Next 3Y4.88%
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-51.57%
FCF growth 3Y-48.75%
FCF growth 5Y-15.01%
OCF growth 1Y-41.24%
OCF growth 3Y-44.19%
OCF growth 5Y-10.94%

SOUTHSTATE BANK CORP / SSB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SOUTHSTATE BANK CORP (SSB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to SSB.


What is the valuation status of SOUTHSTATE BANK CORP (SSB) stock?

ChartMill assigns a valuation rating of 4 / 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 1.17% in the next year.


How sustainable is the dividend of SOUTHSTATE BANK CORP (SSB) stock?

The dividend rating of SOUTHSTATE BANK CORP (SSB) is 6 / 10 and the dividend payout ratio is 28.96%.