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: 94.690
Low
118.00
Averages
120.63
High
126.00
Current: 94.690
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 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
South State Bank Q1 Earnings Announcement Scheduled
- Earnings Release Date: South State Bank (SSB) is set to announce its Q1 earnings on April 23rd after market close, with a consensus EPS estimate of $2.21, reflecting a 2.8% year-over-year growth, indicating stable profitability.
- Revenue Expectations: The anticipated revenue for Q1 is $669.69 million, representing a 6.2% year-over-year increase, which highlights the company's strong market performance and ongoing customer demand, potentially boosting investor confidence.
- Historical Performance: Over the past two years, SSB has beaten EPS estimates 100% of the time and revenue estimates 88% of the time, showcasing the company's reliability in financial forecasting, which may attract more investor interest.
- Estimate Revisions: In the last three months, EPS estimates have seen 6 upward and 6 downward revisions, while revenue estimates have experienced 9 upward revisions with none downward, indicating growing market confidence in South State's future performance, which could influence stock price movements.
See More
SouthState Bank to Release Q1 2026 Earnings on April 23
- Earnings Release Schedule: SouthState Bank plans to release its Q1 2026 earnings results on April 23, 2026, after market close, allowing investors to access this information via the company's website, ensuring transparency and timely communication.
- Conference Call Timing: The company will host a conference call on April 24, 2026, at 9:00 a.m. (ET) to discuss its Q1 earnings, providing a direct communication opportunity with CFO Will Matthews, thereby enhancing investor relations.
- Dial-in Information: U.S. investors can call 888-350-3899, while international participants can dial 646-960-0343, ensuring all investors can participate in the discussion, promoting information sharing and engagement.
- Webcast and Replay: Investors can listen to the live webcast of the presentation on SouthState's website, with a replay expected to be available post-event, further enhancing accessibility and transparency of information.
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
South State Bank Q1 Earnings Announcement Scheduled
- Earnings Release Date: South State Bank (SSB) is set to announce its Q1 earnings on April 23rd after market close, with a consensus EPS estimate of $2.21, reflecting a 2.8% year-over-year growth, indicating stable profitability.
- Revenue Expectations: The anticipated revenue for Q1 is $669.69 million, representing a 6.2% year-over-year increase, which highlights the company's strong market performance and ongoing customer demand, potentially boosting investor confidence.
- Historical Performance: Over the past two years, SSB has beaten EPS estimates 100% of the time and revenue estimates 88% of the time, showcasing the company's reliability in financial forecasting, which may attract more investor interest.
- Estimate Revisions: In the last three months, EPS estimates have seen 6 upward and 6 downward revisions, while revenue estimates have experienced 9 upward revisions with none downward, indicating growing market confidence in South State's future performance, which could influence stock price movements.
See More
SouthState Bank to Release Q1 2026 Earnings on April 23
- Earnings Release Schedule: SouthState Bank plans to release its Q1 2026 earnings results on April 23, 2026, after market close, allowing investors to access this information via the company's website, ensuring transparency and timely communication.
- Conference Call Timing: The company will host a conference call on April 24, 2026, at 9:00 a.m. (ET) to discuss its Q1 earnings, providing a direct communication opportunity with CFO Will Matthews, thereby enhancing investor relations.
- Dial-in Information: U.S. investors can call 888-350-3899, while international participants can dial 646-960-0343, ensuring all investors can participate in the discussion, promoting information sharing and engagement.
- Webcast and Replay: Investors can listen to the live webcast of the presentation on SouthState's website, with a replay expected to be available post-event, further enhancing accessibility and transparency of information.
See More
