SOUTHSTATE BANK CORP (SSB) Stock Fundamental Analysis
USA - NYSE:SSB - US8404411097 - Common Stock
98.72 USD
-0.83 (-0.83%)
We assign a fundamental rating of 4 out of 10 to SSB. SSB was compared to 392 industry peers in the Banks industry. SSB has a bad profitability rating. Also its financial health evaluation is rather negative. SSB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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.
In the past 5 years SSB has always been profitable.
SSB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
SSB has a Return On Assets (0.90%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 6.72%, SSB is doing worse than 66.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 6.72% | ||
| 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
With a decent Profit Margin value of 27.24%, SSB is doing good in the industry, outperforming 70.41% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.24% | ||
| 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.
SSB has more shares outstanding than it did 1 year ago.
SSB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SSB has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SSB is 19662.10, which is on the high side as it means it would take SSB, 19662.10 years of fcf income to pay off all of its debts.
SSB has a Debt to FCF ratio of 19662.10. This is amonst the worse of the industry: SSB underperforms 86.99% of its industry peers.
SSB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of SSB (0.20) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 19662.1 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 24.32% over the past year.
SSB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.04% yearly.
Looking at the last year, SSB shows a very strong growth in Revenue. The Revenue has grown by 28.61%.
SSB shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 21.53% yearly.
EPS 1Y (TTM)24.32%
EPS 3Y-1.66%
EPS 5Y5.04%
EPS Q2Q%28.49%
Revenue 1Y (TTM)28.61%
Revenue growth 3Y7.38%
Revenue growth 5Y21.53%
Sales Q2Q%56.24%
3.2 Future
Based on estimates for the next years, SSB will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.39% on average per year.
Based on estimates for the next years, SSB will show a quite strong growth in Revenue. The Revenue will grow by 19.39% on average per year.
EPS Next Y24.72%
EPS Next 2Y14.77%
EPS Next 3Y13.39%
EPS Next 5YN/A
Revenue Next Year54.07%
Revenue Next 2Y27.2%
Revenue Next 3Y19.39%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.92 indicates a reasonable valuation of SSB.
Compared to the rest of the industry, the Price/Earnings ratio of SSB is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.91. SSB is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.41, which indicates a very decent valuation of SSB.
SSB's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.30. SSB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 10.41 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SSB indicates a rather expensive valuation: SSB more expensive than 84.95% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 113539.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SSB's earnings are expected to grow with 13.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)2.36
EPS Next 2Y14.77%
EPS Next 3Y13.39%
5. Dividend
5.1 Amount
SSB has a Yearly Dividend Yield of 2.45%. Purely for dividend investing, there may be better candidates out there.
SSB's Dividend Yield is slightly below the industry average, which is at 3.59.
SSB's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.34%
Div Incr Years13
Div Non Decr Years27
5.3 Sustainability
32.64% of the earnings are spent on dividend by SSB. This is a low number and sustainable payout ratio.
The dividend of SSB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.64%
EPS Next 2Y14.77%
EPS Next 3Y13.39%
NYSE:SSB (10/9/2025, 2:48:38 PM)
98.72
-0.83 (-0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners87.27%
Inst Owner Change0%
Ins Owners0.95%
Ins Owner Change-3.37%
Market Cap9.99B
Analysts82.35
Price Target119.26 (20.81%)
Short Float %2.95%
Short Ratio3.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.45% |
Yearly Dividend2.14
Dividend Growth(5Y)5.34%
DP32.64%
Div Incr Years13
Div Non Decr Years27
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)25.63%
Min EPS beat(2)13.56%
Max EPS beat(2)37.71%
EPS beat(4)4
Avg EPS beat(4)19.42%
Min EPS beat(4)11.85%
Max EPS beat(4)37.71%
EPS beat(8)7
Avg EPS beat(8)12.42%
EPS beat(12)8
Avg EPS beat(12)6.76%
EPS beat(16)12
Avg EPS beat(16)9%
Revenue beat(2)2
Avg Revenue beat(2)1.95%
Min Revenue beat(2)1.91%
Max Revenue beat(2)1.99%
Revenue beat(4)3
Avg Revenue beat(4)1.21%
Min Revenue beat(4)-1.66%
Max Revenue beat(4)2.6%
Revenue beat(8)4
Avg Revenue beat(8)0.42%
Revenue beat(12)8
Avg Revenue beat(12)0.64%
Revenue beat(16)10
Avg Revenue beat(16)0.53%
PT rev (1m)1.45%
PT rev (3m)3.78%
EPS NQ rev (1m)0.41%
EPS NQ rev (3m)5.07%
EPS NY rev (1m)0%
EPS NY rev (3m)4.23%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.92 | ||
| Fwd PE | 10.41 | ||
| P/S | 4.6 | ||
| P/FCF | 113539.26 | ||
| P/OCF | 185.61 | ||
| P/B | 1.14 | ||
| P/tB | 1.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.28
EY8.39%
EPS(NY)9.48
Fwd EY9.61%
FCF(TTM)0
FCFY0%
OCF(TTM)0.53
OCFY0.54%
SpS21.46
BVpS86.96
TBVpS51.26
PEG (NY)0.48
PEG (5Y)2.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.9% | ||
| ROE | 6.72% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 27.24% | ||
| GM | N/A | ||
| FCFM | 0% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | 19662.1 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.74% | ||
| Cap/Sales | 2.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 0.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC13.24%
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)24.32%
EPS 3Y-1.66%
EPS 5Y5.04%
EPS Q2Q%28.49%
EPS Next Y24.72%
EPS Next 2Y14.77%
EPS Next 3Y13.39%
EPS Next 5YN/A
Revenue 1Y (TTM)28.61%
Revenue growth 3Y7.38%
Revenue growth 5Y21.53%
Sales Q2Q%56.24%
Revenue Next Year54.07%
Revenue Next 2Y27.2%
Revenue Next 3Y19.39%
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-99.99%
FCF growth 3Y7.13%
FCF growth 5Y23.58%
OCF growth 1Y-95.26%
OCF growth 3Y7.19%
OCF growth 5Y23.12%