SouthState Bank Corporation Common Stock (SSB)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

SouthState is a plain-vanilla regional bank: deposits, loans, and related services. That simplicity can be a virtue, but it is not a wide-moat business. The filed numbers show steady earnings: FY2023 net income of $494.3M and diluted EPS of $6.46; FY2024 net income of $534.8M and diluted EPS of $6.97; FY2025 net income of $798.7M and diluted EPS of $7.87. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $230.0M and diluted EPS were $2.35, up from $215.2M and $2.11 in fiscal Q2 2025. That is respectable, though the data set's reported 153.5% profit growth and FairStock's Lynch label of STALWART—based on 45.9% yearly profit growth over five years—deserve skepticism because banks are cyclical and credit costs can turn. At the 2026-10-13 close of $99.85, FairStock calculations show a P/E of 10.49, P/B of 1.06, ROE of 10.60%, ROCE of 1.41%, and dividend yield of 2.64%. A bank earning about 10.6% on equity and selling near book value is not obviously overpriced; it is roughly fair-to-cheap if credit stays benign. The balance-sheet details I would want—CET1 capital, net interest margin, nonperforming loans, reserves, and efficiency ratio—are not in the data. Piotroski 6/9 and beta 0.78 suggest moderate quality and lower volatility, but regional banks live or die by underwriting. I would call this a solid, unexciting candidate for careful bank investors, not a bargain requiring no further work.

In plain English: SouthState Bank is a regional bank that takes deposits and makes loans to people and businesses. Its profits have grown steadily in recent years, and it earns a moderate return on shareholders' money. At the recent price near $100, the shares look roughly fair to modestly cheap compared with those profits and accounting value, but banks carry credit risk that the available data does not fully show.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer