SouthState Financials

SSB Stock  USD 100.97  0.06  0.06%   
Based on the measurements of operating efficiency obtained from SouthState's historical financial statements, SouthState may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, SouthState's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 1.1 B, whereas Net Debt is forecasted to decline to about 103.1 M.
 
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SouthState Balance Sheet Chart

At present, SouthState's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 1.1 B, whereas Net Debt is forecasted to decline to about 103.1 M.
Key indicators impacting SouthState's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.140.2126
Way Down
Slightly volatile
Return On Assets0.01070.0133
Significantly Down
Slightly volatile
Return On Equity0.10.0908
Significantly Up
Slightly volatile
Debt Equity Ratio0.170.1521
Moderately Up
Slightly volatile
Operating Income1.1 BB
Sufficiently Up
Slightly volatile
Current Ratio0.01990.021
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for SouthState includes many different criteria found on its balance sheet. An individual investor should monitor SouthState's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in SouthState.

Net Income

838.6 Million

  
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Please note, the presentation of SouthState's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, SouthState's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of SouthState's management manipulating its earnings.

SouthState Stock Summary

SouthState competes with Comerica Incorporated, Webster Financial, First Horizon, UMB Financial, and Old National. SouthState Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and products to individuals and companies. SouthState Corporation was founded in 1933 and is headquartered in Winter Haven, Florida. Southstate Corp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 4929 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS84472E1029
Business Address1101 First Street
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitesouthstatecorporation.q4ir.com
Phone863 293 4710
CurrencyUSD - US Dollar

SouthState Key Financial Ratios

SouthState Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets41.8B43.9B44.9B46.4B53.3B56.0B
Other Current Liab35.1B36.4B37.0B38.1B43.8B46.0B
Net Debt395.3M206.3M208.3M97.8M112.5M103.1M
Retained Earnings997.7M1.3B1.7B2.0B2.4B2.5B
Cash702.7M732.1M762.4M798.3M918.0M963.9M
Other Assets26.7B35.3B29.4B38.9B44.7B46.9B
Total Liab37.0B38.8B39.4B40.5B46.6B48.9B
Total Current Assets5.9B6.1B5.5B898.7M1.0B981.8M
Short Term Debt781.2M556.4M589.2M514.9M592.1M621.8M
Common Stock173.3M189.3M190.1M190.8M219.4M230.4M
Other Current Assets9.9B26.6B26.7B364.0M418.6M397.7M
Other Liab137.0M1.3B994.0M392.0M450.8M473.3M
Accounts Payable12.2B30.7B35.1B36.4B41.8B43.9B
Long Term Debt327.1M392.3M381.6M381.2M438.4M460.3M
Inventory6.9M12.3M3.5M1.2M1.1M997.8K
Intangible Assets193.7M203.1M173.9M156.3M179.7M91.2M
Net Tangible Assets1.3B2.9B3.1B3.0B3.5B3.7B
Long Term Debt Total410.1M1.0B391.9M391.5M450.3M348.6M
Capital Surpluse3.7B4.2B4.2B4.3B4.9B5.1B

SouthState Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense51.6M61.4M491.8M725.9M1.1B1.1B
Total Revenue1.4B1.7B2.2B2.4B3.8B3.9B
Gross Profit1.5B1.5B1.6B1.7B2.6B2.7B
Operating Income604.3M633.4M630.9M700.2M1.0B1.1B
Ebit604.3M633.4M630.9M700.2M1.0B1.1B
Ebitda667.4M698.0M689.7M756.9M1.2B1.2B
Cost Of Revenue(113.6M)143.2M605.9M741.9M1.2B1.2B
Income Before Tax604.3M633.4M630.9M700.2M1.0B1.1B
Net Income475.5M496.0M494.3M534.8M798.7M838.6M
Income Tax Expense128.7M137.3M136.5M165.5M241.5M253.6M
Tax Provision128.7M137.3M146.0M165.5M190.3M199.8M
Net Interest Income1.0B1.3B1.5B1.4B1.6B900.3M
Interest Income1.1B1.4B1.9B2.1B2.5B2.6B

SouthState Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash2.2B(5.4B)(313.7M)393.2M452.2M474.8M
Free Cash Flow508.8M1.7B507.9M476.2M547.6M575.0M
Depreciation63.1M64.6M58.8M56.7M65.2M68.5M
Other Non Cash Items(64.2M)211.1M66.2M(627.9M)(565.1M)(536.8M)
Dividends Paid135.3M146.7M(156.2M)(162.9M)(187.3M)(178.0M)
Capital Expenditures28.4M17.7M38.9M35.8M41.2M43.2M
Net Income475.5M496.0M494.3M534.8M615.0M645.8M
End Period Cash Flow6.8B1.3B998.9M1.4B1.6B1.7B
Change To Netincome(25.3M)410.8M16.3M1.3B1.5B1.6B
Investments(2.1B)(5.0B)(2.4B)(886.2M)(797.6M)(837.4M)
Net Borrowings(74.3M)(237.8M)100M(100M)(90M)(94.5M)

SouthState Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining SouthState's current stock value. Our valuation model uses many indicators to compare SouthState value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across SouthState competition to find correlations between indicators driving SouthState's intrinsic value. More Info.
SouthState is rated below average in return on equity category among its peers. It is currently regarded as top stock in return on asset category among its peers reporting about  0.13  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for SouthState is roughly  7.58 . At present, SouthState's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the SouthState's earnings, one of the primary drivers of an investment's value.
Most indicators from SouthState's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into SouthState current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SouthState. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators.
For information on how to trade SouthState Stock refer to our How to Trade SouthState Stock guide.At present, SouthState's Selling General Administrative is projected to increase significantly based on the last few years of reporting. The current year's Tax Provision is expected to grow to about 199.8 M, whereas Issuance Of Capital Stock is forecasted to decline to about 2.4 M.
 2023 2024 2025 2026 (projected)
Interest Expense491.8M725.9M1.1B1.1B
Depreciation And Amortization58.8M56.7M124.3M130.6M

SouthState fundamental ratios Correlations

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Click cells to compare fundamentals

SouthState Account Relationship Matchups

SouthState fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets41.8B43.9B44.9B46.4B53.3B56.0B
Other Current Liab35.1B36.4B37.0B38.1B43.8B46.0B
Net Debt395.3M206.3M208.3M97.8M112.5M103.1M
Retained Earnings997.7M1.3B1.7B2.0B2.4B2.5B
Cash702.7M732.1M762.4M798.3M918.0M963.9M
Other Assets26.7B35.3B29.4B38.9B44.7B46.9B
Total Liab37.0B38.8B39.4B40.5B46.6B48.9B
Total Current Assets5.9B6.1B5.5B898.7M1.0B981.8M
Short Term Debt781.2M556.4M589.2M514.9M592.1M621.8M
Common Stock173.3M189.3M190.1M190.8M219.4M230.4M
Other Current Assets9.9B26.6B26.7B364.0M418.6M397.7M
Other Liab137.0M1.3B994.0M392.0M450.8M473.3M
Accounts Payable12.2B30.7B35.1B36.4B41.8B43.9B
Long Term Debt327.1M392.3M381.6M381.2M438.4M460.3M
Inventory6.9M12.3M3.5M1.2M1.1M997.8K
Intangible Assets193.7M203.1M173.9M156.3M179.7M91.2M
Net Tangible Assets1.3B2.9B3.1B3.0B3.5B3.7B
Long Term Debt Total410.1M1.0B391.9M391.5M450.3M348.6M
Capital Surpluse3.7B4.2B4.2B4.3B4.9B5.1B
Today, most investors in SouthState Stock are looking for potential investment opportunities by analyzing not only static indicators but also various SouthState's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of SouthState growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.95

At present, SouthState's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

SouthState January 29, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of SouthState help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of SouthState. We use our internally-developed statistical techniques to arrive at the intrinsic value of SouthState based on widely used predictive technical indicators. In general, we focus on analyzing SouthState Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build SouthState's daily price indicators and compare them against related drivers.

Complementary Tools for SouthState Stock analysis

When running SouthState's price analysis, check to measure SouthState's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy SouthState is operating at the current time. Most of SouthState's value examination focuses on studying past and present price action to predict the probability of SouthState's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move SouthState's price. Additionally, you may evaluate how the addition of SouthState to your portfolios can decrease your overall portfolio volatility.
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