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Southeastern US regional bank offering consumer and commercial banking, built through a series of in-market bank mergers.
Southeastern US regional bank offering consumer and commercial banking, built through a series of in-market bank mergers.
Earns mostly the spread between interest on loans and what it pays on deposits, with smaller fee income from mortgages, wealth management and correspondent services provided to other banks. The 2020 merger with CenterState created its current footprint across the Carolinas, Georgia and Florida.
Moat: narrow (scale, distribution). Growing Southeastern branch franchise built via in-market bank mergers.
Headquarters: Winter Haven, Florida, USA · Founded: 1933 · Employees: 6,190
Size SouthState Bank (SSB) is a United States Financials company (Major Banks) with a market value of $10.1B, the 772nd largest of 3,117 United States companies the cockpit tracks. Shares closed at $104.11 on 6 Nov 2026.
Performance Over six months the shares gained 8.1%, against +2.2% for the median peer and -1.1% for the United States market (cap-weighted) — 6th highest of 21 in its peer set.
Growth Revenue grew 17.9% over the last twelve months (peer median +3.3%); the operating margin is 44.1% (peer median 40.7%).
Valuation It trades at 1.11× book value against a peer median of 1.17× (10th cheapest of 21).
Price implies The share price implies a return on equity of about 9.3%; SouthState Bank delivers 10.3%, so the price asks less than the business earns today.
Short interest Short interest is 3.8% of the free float (15 Oct 2026).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $3.78B | $3.52B | $2.45B | $2.23B | $1.70B |
| Revenue growth | — | +44% | +10% | +31% | — |
| Net income | $927M | $799M | $535M | $494M | $496M |
| Free cash flow | $429M | -$542M | $183M | $470M | $1.46B |
| Capital expenditure | $67.4M | $70.3M | $35.8M | $44.9M | $104M |
| Total debt | $2.02B | $1.84B | $1.01B | $1.09B | $1.06B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| SouthState Bank SSB | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% |
| Truist Financial TFC | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% |
| Ameris Bancorp ABCB | $5.49B | -5% | +3% | 9% | 1.33× | 12.1% |
| Regions Financial RF | $24.1B | +2% | +1% | 12% | 1.46× | 13.2% |
| First Citizens BancShares FCNCA | $25.2B | +16% | 0% | 11% | 1.29× | 9.3% |
| United Community Banks UCB | $4.43B | +11% | -18% | 4% | 1.26× | 10.9% |
| Seacoast Banking Corporation of Florida SBCF | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SSB | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.5% | +2.3% | 7th highest of 21 |
| 6-month return | +8.1% | +2.2% | 6th highest of 21 |
| Return on equity | 10.3% | 10.5% | 10th lowest of 21 |
| Price / book | 1.11× | 1.17× | 10th cheapest of 21 |
| Trailing P/E | 11.1× | 11.4× | 10th cheapest of 21 |
| ROE the price implies | 9.3% | 10.4% | 10th least demanding of 21 |
| ROE delivered | 10.3% | 10.5% | 11th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| SouthState Bank SSB | United States | $10.1B | +8% | +18% | 10% | 1.11× | 9.3% | 10.3% |
| UMB Financial UMBF | United States | $10.2B | +2% | +17% | 14% | 1.34× | 11.2% | 13.5% |
| Shinkin Central Bank Pfd Subs Cert 8421.T | Japan | $10.3B | -1% | +47% | 3% | 1.02× | 4.4% | 3.0% |
| Zions Bancorporation NA Depositary Shs Repr 1/40th Int Ser A Flt Rt Non Cum Perp Pfd ZIONP | United States | $9.72B | -16% | +4% | 16% | 0.31× | 4.0% | 16.5% |
| Unicaja Banco UNI.MC | Spain | $9.53B | +20% | -3% | 10% | 1.34× | 12.2% | 10.1% |
| Old National Bancorp ONB | United States | $9.43B | +3% | +18% | 12% | 1.17× | 10.3% | 11.5% |
| AL Sydbank A/S ALSYDB.CO | Denmark | $9.20B | +37% | +27% | 10% | 1.78× | 6.3% | 9.6% |
| IDBI Bank IDBI.NS | India | $9.04B | +5% | +3% | 12% | 1.18× | 26.1% | 11.8% |
| China Zheshang Bank 601916.SS | China | $11.2B | -2% | -4% | 7% | 0.44× | 2.0% | 7.2% |
| Jyske Bank A/S JYSK.CO | Denmark | $9.02B | +25% | +3% | 10% | 1.32× | 5.3% | 10.3% |
| Federal Bank Ltd. (India) FEDERALBNK.NS | India | $8.81B | +14% | +11% | 13% | 1.97× | 27.7% | 13.1% |
| Canara Bank CANBK.NS | India | $11.8B | -10% | -7% | 17% | 0.87× | 17.1% | 16.8% |
| Huishang Bank 3698.HK | Hong Kong | $8.31B | -8% | +1% | 11% | 0.36× | 3.8% | 10.7% |
| Indian Bank INDIANB.NS | India | $12.9B | +5% | +12% | 16% | 1.40× | 18.5% | 16.1% |
| BOK Financial BOKF | United States | $7.87B | -2% | +3% | 11% | 1.33× | 10.6% | 11.2% |
| Fukuoka Financial 8354.T | Japan | $7.75B | 0% | +22% | 9% | 1.08× | 7.0% | 8.7% |
| Valley National Bancorp VLY | United States | $7.75B | +5% | +3% | 9% | 1.03× | 10.6% | 9.4% |
| Shanghai Rural Commercial Bank 601825.SS | China | $13.1B | +1% | -8% | 10% | 0.65× | 2.5% | 9.6% |
| Mebuki Financial 7167.T | Japan | $7.57B | +6% | +25% | 9% | 1.16× | 6.2% | 9.2% |
| IndusInd Bank INDUSINDBK.NS | India | $7.48B | -4% | -2% | 5% | 1.04× | 17.8% | 4.5% |
| Credito Emiliano CE.MI | Italy | $7.48B | +26% | -2% | 12% | 1.41× | 13.1% | 12.3% |