SouthState (SSB) Q3 Earnings Review: Analyzing Key Metrics Against Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 22 2025
0mins
Source: NASDAQ.COM
Quarterly Performance: SouthState (SSB) reported $698.78 million in revenue for Q3 2025, a 63.9% increase year-over-year, with an EPS of $2.58 compared to $1.90 a year ago.
Earnings Surprises: The revenue exceeded the Zacks Consensus Estimate of $654.7 million by 6.73%, and the EPS surpassed the consensus estimate of $2.20 by 17.27%.
Investor Insights: Key metrics beyond headline numbers are crucial for understanding a company's performance and guiding investors in projecting stock price movements.
AI Investment Opportunities: The article suggests that lesser-known AI firms addressing significant global challenges may offer more lucrative investment opportunities than well-known stocks in the sector.
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Analyst Views on SSB
Wall Street analysts forecast SSB stock price to rise
10 Analyst Rating
10 Buy
0 Hold
0 Sell
Strong Buy
Current: 100.840
Low
118.00
Averages
120.63
High
126.00
Current: 100.840
Low
118.00
Averages
120.63
High
126.00
About SSB
SouthState Bank Corporation is a financial services company. SouthState Bank, N.A. (the Bank), the Company’s nationally chartered bank subsidiary, provides consumer, commercial, mortgage and wealth management solutions throughout Florida, Texas, the Carolinas, Georgia, Colorado, Alabama, Virginia and Tennessee. The Bank also serves clients nationwide through its correspondent banking division. The Bank’s solutions include personal, mortgage, small business, commercial and wealth. The Bank’s personal solutions include banking, borrowing, investing, and opening accounts. The Bank’s mortgage solutions include mortgage loans, refinancing, and HomeBuying 101. The Bank’s small business solutions include banking, borrowing, managing cash flow, and small business resources. Its commercial solutions include banking, financing, capital markets, employee services, international services and institutional asset management. Its wealth solutions include investment services and private wealth.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
SouthState Bank to Release Q2 2026 Earnings Results on July 23
- Earnings Release Schedule: SouthState Bank plans to release its Q2 2026 earnings results on July 23, 2026, after market close, allowing investors to access information via the company website, ensuring transparency and timely information dissemination.
- Conference Call Timing: The company will host a conference call on July 24, 2026, at 9:00 a.m. (ET) to discuss the earnings results, providing a direct communication opportunity with CFO Will Matthews, which enhances investor confidence.
- International Access: SouthState Bank has provided dial-in numbers for international participants, ensuring that global investors can join the call, reflecting the company's commitment to serving its international investor base.
- Webcast Replay Availability: The live webcast of the presentation will be available on the company website, with a replay expected to be accessible by the evening of July 24, further enhancing information accessibility and transparency.
See More
SouthState Bank to Release Q2 2026 Earnings Results on July 23
- Earnings Release Schedule: SouthState Bank plans to release its Q2 2026 earnings results on July 23, 2026, after market close, emphasizing the company's commitment to transparency in financial reporting.
- Conference Call Timing: The company will host a conference call on July 24, 2026, at 9:00 a.m. ET to discuss the earnings results, providing a convenient communication channel to enhance investor engagement.
- International Access: SouthState Bank has provided dial-in numbers for international participants, ensuring that global investors can join the discussion, reflecting the company's focus on the global market.
- Webcast Replay Availability: Following the earnings release, investors can listen to the conference call replay on the company's website, further enhancing information accessibility and investor participation.
See More
SOUTHSTATE BANK CORPORATION: BARCLAYS LOWERS TARGET PRICE FROM $126 TO $123
- Target Price Adjustment: Barclays has reduced the target price for SouthState Bank Corporation from $126 to $123.
- Market Impact: This adjustment reflects Barclays' updated outlook on SouthState Bank's performance in the financial market.
See More
SOUTHSTATE BANK CORP: PIPER SANDLER INCREASES TARGET PRICE FROM $118 TO $120
Target Price Increase: Piper Sandler has raised the target price for SouthState Bank Corp. to $120 from $118.
Market Implications: This adjustment reflects a positive outlook on the bank's performance and potential growth in the financial sector.
See More
SouthState Reports Weak Q1 2026 Results, Shares Drop
- Earnings Highlights: SouthState's Q1 adjusted earnings per share of $2.28 surpassed the $2.21 analyst estimate; however, its revenue of $661.7 million fell short of the expected $666.4 million, indicating pressure on profitability.
- Profitability Decline: A significant 30.5% year-over-year drop in net interest income suggests rising deposit costs are likely weighing on the bank's earnings, prompting a negative market reaction that led to the stock's decline.
- Market Reaction Analysis: Although SouthState's shares have shown little volatility over the past year, the 3.7% drop indicates that the market considers the earnings report significant, which may influence investors' long-term perception of the company.
- Investor Returns: SouthState's stock has remained flat since the beginning of the year, trading at $94.90, which is 12% below its 52-week high of $107.82 from February 2026, with investors who bought $1,000 worth of shares five years ago now seeing their investment worth $1,140.
See More
SouthState Bank Q1 2026 Earnings Call Insights
- Profitability Metrics: SouthState Bank reported a return on assets of 1.37% and a return on tangible common equity of 17.6% for Q1 2026, indicating stable profitability despite pressures from deposit competition.
- Loan Growth Outlook: The bank achieved loan growth of $896 million, reflecting a 7.5% annualized growth rate, while the loan pipeline surged by 33% to $6.4 billion, showcasing the company's proactive stance and market opportunities in expanding its commercial banking operations.
- Share Repurchase Strategy: Since the beginning of the third quarter, SouthState has repurchased nearly 4% of its outstanding shares at an average price of $95.28, demonstrating confidence in its valuation and aiming to enhance shareholder returns.
- Net Interest Margin Guidance Adjustment: Management adjusted the 2026 net interest margin guidance to a range of 3.75% to 3.80%, reflecting a strategic response to rising deposit costs while maintaining an optimistic outlook for future income growth.
See More
SouthState Bank to Release Q2 2026 Earnings Results on July 23
- Earnings Release Schedule: SouthState Bank plans to release its Q2 2026 earnings results on July 23, 2026, after market close, allowing investors to access information via the company website, ensuring transparency and timely information dissemination.
- Conference Call Timing: The company will host a conference call on July 24, 2026, at 9:00 a.m. (ET) to discuss the earnings results, providing a direct communication opportunity with CFO Will Matthews, which enhances investor confidence.
- International Access: SouthState Bank has provided dial-in numbers for international participants, ensuring that global investors can join the call, reflecting the company's commitment to serving its international investor base.
- Webcast Replay Availability: The live webcast of the presentation will be available on the company website, with a replay expected to be accessible by the evening of July 24, further enhancing information accessibility and transparency.
See More
SouthState Bank to Release Q2 2026 Earnings Results on July 23
- Earnings Release Schedule: SouthState Bank plans to release its Q2 2026 earnings results on July 23, 2026, after market close, emphasizing the company's commitment to transparency in financial reporting.
- Conference Call Timing: The company will host a conference call on July 24, 2026, at 9:00 a.m. ET to discuss the earnings results, providing a convenient communication channel to enhance investor engagement.
- International Access: SouthState Bank has provided dial-in numbers for international participants, ensuring that global investors can join the discussion, reflecting the company's focus on the global market.
- Webcast Replay Availability: Following the earnings release, investors can listen to the conference call replay on the company's website, further enhancing information accessibility and investor participation.
See More
SOUTHSTATE BANK CORPORATION: BARCLAYS LOWERS TARGET PRICE FROM $126 TO $123
- Target Price Adjustment: Barclays has reduced the target price for SouthState Bank Corporation from $126 to $123.
- Market Impact: This adjustment reflects Barclays' updated outlook on SouthState Bank's performance in the financial market.
See More
SOUTHSTATE BANK CORP: PIPER SANDLER INCREASES TARGET PRICE FROM $118 TO $120
Target Price Increase: Piper Sandler has raised the target price for SouthState Bank Corp. to $120 from $118.
Market Implications: This adjustment reflects a positive outlook on the bank's performance and potential growth in the financial sector.
See More
SouthState Reports Weak Q1 2026 Results, Shares Drop
- Earnings Highlights: SouthState's Q1 adjusted earnings per share of $2.28 surpassed the $2.21 analyst estimate; however, its revenue of $661.7 million fell short of the expected $666.4 million, indicating pressure on profitability.
- Profitability Decline: A significant 30.5% year-over-year drop in net interest income suggests rising deposit costs are likely weighing on the bank's earnings, prompting a negative market reaction that led to the stock's decline.
- Market Reaction Analysis: Although SouthState's shares have shown little volatility over the past year, the 3.7% drop indicates that the market considers the earnings report significant, which may influence investors' long-term perception of the company.
- Investor Returns: SouthState's stock has remained flat since the beginning of the year, trading at $94.90, which is 12% below its 52-week high of $107.82 from February 2026, with investors who bought $1,000 worth of shares five years ago now seeing their investment worth $1,140.
See More
SouthState Bank Q1 2026 Earnings Call Insights
- Profitability Metrics: SouthState Bank reported a return on assets of 1.37% and a return on tangible common equity of 17.6% for Q1 2026, indicating stable profitability despite pressures from deposit competition.
- Loan Growth Outlook: The bank achieved loan growth of $896 million, reflecting a 7.5% annualized growth rate, while the loan pipeline surged by 33% to $6.4 billion, showcasing the company's proactive stance and market opportunities in expanding its commercial banking operations.
- Share Repurchase Strategy: Since the beginning of the third quarter, SouthState has repurchased nearly 4% of its outstanding shares at an average price of $95.28, demonstrating confidence in its valuation and aiming to enhance shareholder returns.
- Net Interest Margin Guidance Adjustment: Management adjusted the 2026 net interest margin guidance to a range of 3.75% to 3.80%, reflecting a strategic response to rising deposit costs while maintaining an optimistic outlook for future income growth.
See More
