Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
South State Bank (SSB)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$106.65+0.66%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
10.30 → 10.25 EPS · FY ending Dec 31, 2027 · 11 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 11 to 11; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for SSB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Dividend per share increases to at least $0.60 next quarter | Dividends increased from $0.54 to $0.60 per share. | Intact | Dividend per share falls below $0.60 next quarter | Dividend per share: $0.66 per share FY2026-Q3; GAAP. Published target: >= $0.60. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 30, 20260.66 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
SSB is a financial-sector business with a growth and capital-return story, rather than a clear turnaround. Its long-term thesis is currently intact, supported by recent results and delivery on loan, deposit, and dividend priorities, though earnings quality is fragile.
The valuation is tagged as stretched, while the peer comparison describes SSB as cheap relative to peers, so the valuation picture is mixed. The expectations gap is small, and the valuation measure has recently fallen; the evidence does not point to a large cushion against execution problems.
Near term, loans and deposits grew at a 9% annualized rate in the latest quarter, and the dividend increase was implemented. However, SSB has missed earnings across recent quarters, despite a low stated miss probability, and that weak execution history makes earnings quality fragile. Over the multi-year view, results depend on whether balance-sheet growth can continue alongside steadier earnings.
A shift to rate cuts from the current 3.88% is a stated risk for SSB and the wider Financials sector. Continued earnings strength and higher guidance from sector bellwethers HDB, IBN, and USB would support sector momentum, while misses or lower guidance could weaken it. SSB’s own ability to address its repeated earnings misses remains a key company-specific swing factor.
For the next one to three years, SSB combines strong recent financial performance and demonstrated growth with fragile earnings quality, repeated misses, and a stretched valuation tag. The thesis remains intact, but its durability depends on execution and the sector backdrop. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| South State Bank grows net income steadily. |
| Intact |
| Net income falls below $225.8 million next quarter |
Net income: $223.798M FY2026-Q3; GAAP. Published target: >= $225.8 million. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 30, 2026223,798,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Operating income grows to at least $291.4 million next quarter | Operating income rose to $291 million. | Intact | Operating income falls below $291.4 million next quarter | Operating income: $290.321M FY2026-Q3; GAAP. Published target: >= $291.4 million. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 30, 2026290,321,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$10.34 → $10.25 · observed estimates
$2.91B → $2.92B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $10.34 | $2,909,973,230 | 14 / 11 |
| 2026-07-25 | $10.34 | $2,909,973,230 | 14 / 11 |
| 2026-07-26 | $10.34 | $2,911,459,607 | 11 / 8 |
| 2026-07-27 | $10.33 | $2,906,291,410 | 14 / 11 |
| 2026-07-28 | $10.34 | $2,911,459,607 | 11 / 8 |
| 2026-07-29 | $10.34 | $2,911,459,607 | 11 / 8 |
| 2026-07-30 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-07-31 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-01 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-02 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-03 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-04 | $10.38 | $2,906,598,340 | 14 / 12 |
| 2026-08-05 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-06 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-08 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-09 | $10.38 | $2,906,598,340 | 14 / 12 |
| 2026-08-10 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-12 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-13 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-14 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-15 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-16 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-17 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-18 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-19 | $10.30 | $2,906,617,356 | 11 / 9 |
| 2026-08-20 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-21 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-22 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-23 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-24 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-25 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-26 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-27 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-28 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-29 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-30 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-08-31 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-09-01 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-09-02 | $10.30 | $2,906,619,089 | 11 / 9 |
| 2026-09-03 | $10.28 | $2,906,619,089 | 11 / 9 |
| 2026-09-04 | $10.28 | $2,906,619,089 | 11 / 9 |
| 2026-09-05 | $10.28 | $2,906,619,089 | 11 / 9 |
| 2026-09-06 | $10.28 | $2,906,619,089 | 11 / 9 |
| 2026-09-07 | $10.28 | $2,906,619,089 | 11 / 9 |
| 2026-09-08 | $10.28 | $2,907,313,347 | 11 / 9 |
| 2026-09-09 | $10.27 | $2,907,313,347 | 11 / 9 |
| 2026-09-10 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-11 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-12 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-13 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-14 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-15 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-16 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-17 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-18 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-19 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-20 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-21 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-22 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-23 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-24 | $10.27 | $2,907,317,356 | 11 / 9 |
| 2026-09-25 | $10.27 | $2,907,562,772 | 10 / 8 |
| 2026-09-26 | $10.27 | $2,907,562,772 | 11 / 9 |
| 2026-09-27 | $10.27 | $2,907,562,772 | 11 / 9 |
| 2026-09-28 | $10.27 | $2,907,562,772 | 11 / 9 |
| 2026-09-29 | $10.27 | $2,907,562,772 | 11 / 9 |
| 2026-09-30 | $10.27 | $2,907,562,772 | 11 / 9 |
| 2026-10-01 | $10.27 | $2,907,562,772 | 11 / 9 |
| 2026-10-02 | $10.27 | $2,907,562,772 | 11 / 9 |
| 2026-10-03 | $10.31 | $2,912,128,249 | 11 / 9 |
| 2026-10-04 | $10.31 | $2,912,128,249 | 11 / 9 |
| 2026-10-05 | $10.30 | $2,912,128,249 | 11 / 9 |
| 2026-10-06 | $10.31 | $2,910,687,994 | 11 / 9 |
| 2026-10-07 | $10.31 | $2,910,687,994 | 11 / 9 |
| 2026-10-08 | $10.30 | $2,910,717,318 | 11 / 9 |
| 2026-10-09 | $10.30 | $2,910,721,327 | 11 / 8 |
| 2026-10-10 | $10.30 | $2,910,721,327 | 11 / 8 |
| 2026-10-11 | $10.30 | $2,911,134,194 | 11 / 8 |
| 2026-10-12 | $10.30 | $2,911,134,194 | 11 / 8 |
| 2026-10-13 | $10.30 | $2,911,134,194 | 11 / 8 |
| 2026-10-14 | $10.30 | $2,911,134,194 | 11 / 8 |
| 2026-10-15 | $10.30 | $2,911,134,194 | 11 / 8 |
| 2026-10-16 | $10.30 | $2,911,134,194 | 11 / 8 |
| 2026-10-17 | $10.30 | $2,911,134,194 | 11 / 8 |
| 2026-10-18 | $10.30 | $2,911,134,194 | 11 / 9 |
| 2026-10-19 | $10.30 | $2,911,134,194 | 11 / 9 |
| 2026-10-20 | $10.30 | $2,911,134,194 | 11 / 9 |
| 2026-10-21 | $10.30 | $2,911,134,194 | 11 / 9 |
| 2026-10-22 | $10.30 | $2,911,175,153 | 11 / 9 |
| 2026-10-23 | $10.26 | $2,914,184,677 | 11 / 9 |
| 2026-10-24 | $10.27 | $2,916,118,010 | 11 / 9 |
| 2026-10-25 | $10.27 | $2,916,118,010 | 11 / 9 |
| 2026-10-26 | $10.27 | $2,916,118,010 | 11 / 9 |
| 2026-10-27 | $10.27 | $2,916,118,010 | 11 / 9 |
| 2026-10-28 | $10.26 | $2,917,526,644 | 11 / 9 |
| 2026-10-29 | $10.26 | $2,917,526,644 | 11 / 9 |
| 2026-10-30 | $10.26 | $2,917,526,644 | 11 / 9 |
| 2026-10-31 | $10.26 | $2,917,526,644 | 11 / 9 |
| 2026-11-01 | $10.26 | $2,917,526,644 | 11 / 9 |
| 2026-11-02 | $10.26 | $2,917,526,644 | 11 / 9 |
| 2026-11-03 | $10.26 | $2,916,154,719 | 11 / 9 |
| 2026-11-04 | $10.25 | $2,916,154,719 | 11 / 9 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 12 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 5 recorded
1 raises · 1 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.