SouthState Bank Q1 2026 Earnings Call Insights
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 hour ago
0mins
Should l Buy SSB?
Source: seekingalpha
- 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.
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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: 98.090
Low
118.00
Averages
120.63
High
126.00
Current: 98.090
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 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 to Release Q1 2026 Earnings Results
- Earnings Release Schedule: SouthState Bank is set to announce its Q1 2026 earnings results on April 23, 2026, after market close, allowing investors to access the information via the company's website, ensuring transparency and timely information dissemination.
- Conference Call Details: The company will host a conference call on April 24, 2026, at 9:00 a.m. (ET) to discuss the earnings report, enabling investor engagement through a dedicated call-in number, enhancing communication with stakeholders.
- International Access: SouthState Bank provides specific dialing information for international investors, ensuring global participation in the discussion, which reflects the company's commitment to the international market.
- Webcast and Replay: Investors can listen to the live webcast of the earnings presentation on the company's website, with an audio replay expected to be available after the meeting, further improving information accessibility.
See More
Iran and the Federal Reserve Remain Concerns: These Stocks May Alleviate Investor Anxiety.
- Impact of War on Monetary Policy: Federal Reserve rate cuts are being influenced by the ongoing war with Iran, leading to rising oil prices.
- Investment Strategy: Investors are advised to seek stocks that can perform well even if the Federal Reserve maintains current interest rates.
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7 Stocks, Including Airbnb, to Consider Buying That Can Succeed Even if Interest Rates Remain High
Impact of War on Monetary Policy: The ongoing conflict with Iran has influenced the Federal Reserve's decision-making, leading to a halt in rate cuts.
Rising Oil Prices: The war has contributed to an increase in oil prices, affecting economic conditions and investor sentiment.
Investment Strategy: Investors are advised to seek stocks that can perform well even in a stable interest rate environment.
Market Outlook: The current economic climate suggests a need for strategic investment choices amidst geopolitical tensions and fluctuating oil prices.
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 to Release Q1 2026 Earnings Results
- Earnings Release Schedule: SouthState Bank is set to announce its Q1 2026 earnings results on April 23, 2026, after market close, allowing investors to access the information via the company's website, ensuring transparency and timely information dissemination.
- Conference Call Details: The company will host a conference call on April 24, 2026, at 9:00 a.m. (ET) to discuss the earnings report, enabling investor engagement through a dedicated call-in number, enhancing communication with stakeholders.
- International Access: SouthState Bank provides specific dialing information for international investors, ensuring global participation in the discussion, which reflects the company's commitment to the international market.
- Webcast and Replay: Investors can listen to the live webcast of the earnings presentation on the company's website, with an audio replay expected to be available after the meeting, further improving information accessibility.
See More
Iran and the Federal Reserve Remain Concerns: These Stocks May Alleviate Investor Anxiety.
- Impact of War on Monetary Policy: Federal Reserve rate cuts are being influenced by the ongoing war with Iran, leading to rising oil prices.
- Investment Strategy: Investors are advised to seek stocks that can perform well even if the Federal Reserve maintains current interest rates.
See More
7 Stocks, Including Airbnb, to Consider Buying That Can Succeed Even if Interest Rates Remain High
Impact of War on Monetary Policy: The ongoing conflict with Iran has influenced the Federal Reserve's decision-making, leading to a halt in rate cuts.
Rising Oil Prices: The war has contributed to an increase in oil prices, affecting economic conditions and investor sentiment.
Investment Strategy: Investors are advised to seek stocks that can perform well even in a stable interest rate environment.
Market Outlook: The current economic climate suggests a need for strategic investment choices amidst geopolitical tensions and fluctuating oil prices.
See More
