SouthState Bank Reports Strong Q4 Earnings and Growth Strategy
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 6 days ago
0mins
Should l Buy SSB?
Source: seekingalpha
SouthState Bank Corp (SSB) has seen its stock rise by 3.53% as it reaches a 20-day high, reflecting positive market sentiment following its recent announcements.
The bank reported a Q4 Non-GAAP EPS of $2.47, exceeding estimates by $0.19, alongside a remarkable 52.1% year-over-year revenue growth, reaching $686 million. This strong performance highlights the bank's operational efficiency and robust customer demand. However, analysts have expressed caution regarding the bank's Q1 2025 earnings forecast, leading to a rating downgrade that may affect investor confidence moving forward.
The addition of 32 seasoned producers is expected to enhance SouthState's capabilities in commercial, mortgage, and wealth management sectors, positioning the bank for further growth in high-potential markets. This strategic move, combined with the strong earnings report, suggests a solid foundation for sustainable growth in the coming years.
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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: 103.690
Low
118.00
Averages
120.63
High
126.00
Current: 103.690
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 Wins 29 Financial Awards, Leading in Middle Market and Small Business Banking
- Award Growth: SouthState Bank has received a total of 29 awards in Middle Market and Small Business Banking, an increase of six from last year, demonstrating its ongoing business momentum and strong client relationships.
- Market Leadership: The bank is tied for the highest number of awards in the Middle Market Banking category, indicating its strong reputation among companies with annual revenues between $10 million and $500 million.
- Commitment to Customer Experience: President Richard Murray highlighted that the bank's expansion into Texas, Colorado, and Tennessee has enabled it to provide high-quality financial solutions to more businesses, enhancing customer experience.
- Industry Evaluation Standards: Crisil Coalition Greenwich evaluated over 500 banks and interviewed executives from small and middle-market firms to ensure the fairness and authority of the awards, underscoring SouthState's excellence in commercial banking services.
See More
SouthState Bank Receives 29 Financial Awards
- Increased Award Count: SouthState Bank has received a total of 29 awards in Middle Market and Small Business Banking, an increase of six from last year, demonstrating its ongoing growth momentum and strong client relationships.
- Outstanding Middle Market Performance: The bank secured 16 awards in the Middle Market Banking category, indicating high customer satisfaction and trust among businesses with annual revenues between $10 million and $500 million.
- Recognition in Small Business Banking: SouthState earned 13 awards in the Small Business Banking category, further solidifying its leadership position among companies with annual revenues between $1 million and $10 million, reflecting a deep understanding of client needs.
- Long-Term Commitment: Since 2016, SouthState has accumulated a total of 111 Coalition Greenwich awards, showcasing its sustained commitment to delivering exceptional commercial banking services and establishing itself as a trusted partner for businesses of all sizes.
See More
SouthState Bank (SSB) Reports Over 30% EPS Growth in Q4 2025 and 11% Dividend Increase
- Successful Acquisition Integration: SouthState Bank has successfully completed the integration of Independent Financial, with CEO John Corbett highlighting the transition through high risks and system conversions, now reaping the rewards of enhanced operational capabilities post-merger.
- Earnings and Dividend Growth: The bank reported over 30% growth in earnings per share (EPS) for 2025 and an 11% increase in dividends, reflecting strengthened profitability and providing higher returns to shareholders, thereby reinforcing investor confidence.
- Loan and Deposit Growth: In Q4 2025, both loans and deposits achieved an annualized growth of 8%, demonstrating the bank's competitive position and strong customer demand, with expectations of continued mid- to upper single-digit loan growth in 2026.
- Strong Capital and Efficiency Ratios: CFO William Matthews reported net interest income of $581 million for 2025, with robust capital ratios, including a TCE ratio of 8.8%, indicating solid performance in capital management and operational efficiency, laying a strong foundation for future growth.
See More
South State Bank Q4 Non-GAAP EPS of $2.47 Beats Estimates with 52.1% Revenue Growth
- Earnings Beat: South State Bank reported a Q4 Non-GAAP EPS of $2.47, exceeding estimates by $0.19, indicating robust profitability and operational efficiency.
- Significant Revenue Growth: The bank's revenue reached $686 million in Q4, reflecting a 52.1% year-over-year increase, surpassing expectations by $18.29 million, showcasing strong market performance and heightened customer demand.
- Cautious Future Outlook: Despite the impressive results, analysts express caution regarding the bank's Q1 2025 earnings forecast, which may impact investor confidence moving forward.
- Rating Downgrade: South State's rating has been downgraded, highlighting concerns over the sustainability of its current growth trajectory, which could lead to stock price volatility.
See More
South State (SSB) Expected to Report 6% EPS Growth to $2.28 in Q1 Earnings
- Earnings Expectations: South State is set to announce its Q1 earnings on January 22, with a consensus EPS estimate of $2.28, reflecting a 6% year-over-year growth, indicating sustained profitability potential for the bank.
- Revenue Forecast: The revenue estimate for Q1 stands at $667.71 million, representing a 5.9% year-over-year increase, showcasing the bank's robust performance in loan and deposit activities despite market disruptions.
- Historical Performance: Over the past two years, South State has beaten EPS estimates 100% of the time and revenue estimates 88% of the time, underscoring the bank's reliability in financial forecasting and bolstering market confidence.
- Estimate Revisions: In the last three months, both EPS and revenue estimates have seen six upward revisions and four downward adjustments, reflecting analysts' mixed views on the bank's future performance, which could influence investor decisions.
See More
SouthState (NYSE:SSB) Adds 32 Seasoned Producers to Drive Growth in 2026
- Talent Acquisition Strategy: SouthState's addition of 32 seasoned producers significantly enhances its operational capabilities in key markets, demonstrating the company's strong commitment to expanding market share and deepening client relationships, thereby laying a solid foundation for sustainable growth in 2026 and beyond.
- Diverse Executive Backgrounds: The new hires come from various respected financial institutions, covering commercial, mortgage, and wealth management sectors, and are expected to enhance the company's strategic execution capabilities through their extensive industry experience and expertise, driving growth in commercial and wealth management.
- Market Opportunity Capture: The backgrounds of these new executives in high-growth regions will enable SouthState to better capitalize on market opportunities, strengthening its position in the competitive financial services industry and creating long-term value for shareholders.
- Balanced Risk Management and Growth: While attracting top talent, SouthState emphasizes maintaining disciplined risk management to ensure that it can effectively control potential risks while pursuing growth, safeguarding the company's financial health and sustainable development.
See More
SouthState Bank Wins 29 Financial Awards, Leading in Middle Market and Small Business Banking
- Award Growth: SouthState Bank has received a total of 29 awards in Middle Market and Small Business Banking, an increase of six from last year, demonstrating its ongoing business momentum and strong client relationships.
- Market Leadership: The bank is tied for the highest number of awards in the Middle Market Banking category, indicating its strong reputation among companies with annual revenues between $10 million and $500 million.
- Commitment to Customer Experience: President Richard Murray highlighted that the bank's expansion into Texas, Colorado, and Tennessee has enabled it to provide high-quality financial solutions to more businesses, enhancing customer experience.
- Industry Evaluation Standards: Crisil Coalition Greenwich evaluated over 500 banks and interviewed executives from small and middle-market firms to ensure the fairness and authority of the awards, underscoring SouthState's excellence in commercial banking services.
See More
SouthState Bank Receives 29 Financial Awards
- Increased Award Count: SouthState Bank has received a total of 29 awards in Middle Market and Small Business Banking, an increase of six from last year, demonstrating its ongoing growth momentum and strong client relationships.
- Outstanding Middle Market Performance: The bank secured 16 awards in the Middle Market Banking category, indicating high customer satisfaction and trust among businesses with annual revenues between $10 million and $500 million.
- Recognition in Small Business Banking: SouthState earned 13 awards in the Small Business Banking category, further solidifying its leadership position among companies with annual revenues between $1 million and $10 million, reflecting a deep understanding of client needs.
- Long-Term Commitment: Since 2016, SouthState has accumulated a total of 111 Coalition Greenwich awards, showcasing its sustained commitment to delivering exceptional commercial banking services and establishing itself as a trusted partner for businesses of all sizes.
See More
SouthState Bank (SSB) Reports Over 30% EPS Growth in Q4 2025 and 11% Dividend Increase
- Successful Acquisition Integration: SouthState Bank has successfully completed the integration of Independent Financial, with CEO John Corbett highlighting the transition through high risks and system conversions, now reaping the rewards of enhanced operational capabilities post-merger.
- Earnings and Dividend Growth: The bank reported over 30% growth in earnings per share (EPS) for 2025 and an 11% increase in dividends, reflecting strengthened profitability and providing higher returns to shareholders, thereby reinforcing investor confidence.
- Loan and Deposit Growth: In Q4 2025, both loans and deposits achieved an annualized growth of 8%, demonstrating the bank's competitive position and strong customer demand, with expectations of continued mid- to upper single-digit loan growth in 2026.
- Strong Capital and Efficiency Ratios: CFO William Matthews reported net interest income of $581 million for 2025, with robust capital ratios, including a TCE ratio of 8.8%, indicating solid performance in capital management and operational efficiency, laying a strong foundation for future growth.
See More
South State Bank Q4 Non-GAAP EPS of $2.47 Beats Estimates with 52.1% Revenue Growth
- Earnings Beat: South State Bank reported a Q4 Non-GAAP EPS of $2.47, exceeding estimates by $0.19, indicating robust profitability and operational efficiency.
- Significant Revenue Growth: The bank's revenue reached $686 million in Q4, reflecting a 52.1% year-over-year increase, surpassing expectations by $18.29 million, showcasing strong market performance and heightened customer demand.
- Cautious Future Outlook: Despite the impressive results, analysts express caution regarding the bank's Q1 2025 earnings forecast, which may impact investor confidence moving forward.
- Rating Downgrade: South State's rating has been downgraded, highlighting concerns over the sustainability of its current growth trajectory, which could lead to stock price volatility.
See More
South State (SSB) Expected to Report 6% EPS Growth to $2.28 in Q1 Earnings
- Earnings Expectations: South State is set to announce its Q1 earnings on January 22, with a consensus EPS estimate of $2.28, reflecting a 6% year-over-year growth, indicating sustained profitability potential for the bank.
- Revenue Forecast: The revenue estimate for Q1 stands at $667.71 million, representing a 5.9% year-over-year increase, showcasing the bank's robust performance in loan and deposit activities despite market disruptions.
- Historical Performance: Over the past two years, South State has beaten EPS estimates 100% of the time and revenue estimates 88% of the time, underscoring the bank's reliability in financial forecasting and bolstering market confidence.
- Estimate Revisions: In the last three months, both EPS and revenue estimates have seen six upward revisions and four downward adjustments, reflecting analysts' mixed views on the bank's future performance, which could influence investor decisions.
See More
SouthState (NYSE:SSB) Adds 32 Seasoned Producers to Drive Growth in 2026
- Talent Acquisition Strategy: SouthState's addition of 32 seasoned producers significantly enhances its operational capabilities in key markets, demonstrating the company's strong commitment to expanding market share and deepening client relationships, thereby laying a solid foundation for sustainable growth in 2026 and beyond.
- Diverse Executive Backgrounds: The new hires come from various respected financial institutions, covering commercial, mortgage, and wealth management sectors, and are expected to enhance the company's strategic execution capabilities through their extensive industry experience and expertise, driving growth in commercial and wealth management.
- Market Opportunity Capture: The backgrounds of these new executives in high-growth regions will enable SouthState to better capitalize on market opportunities, strengthening its position in the competitive financial services industry and creating long-term value for shareholders.
- Balanced Risk Management and Growth: While attracting top talent, SouthState emphasizes maintaining disciplined risk management to ensure that it can effectively control potential risks while pursuing growth, safeguarding the company's financial health and sustainable development.
See More
