South State Bank (SSB)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$107.98+0.81%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · SSB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 5.0% |
| Our one-year growth estimate | diamond | -10.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 15.9 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
SSB — dividend update
Dated 2026-07-23
of this Current Report, including the information set forth in the Presentation filed as Exhibit 99.2 to, and incorporated in, this Current Report, is being "furnished" and shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act or the Exchange Act, except as shall be expressly set forth by…
Why it matters: A decline may show lower profits and less efficient use of assets.
Worry ifQ2 return on average assets drops below 1.30%.
Less concerning ifQ2 return on average assets remains above 1.30%.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector.
Worry ifRevenue growth falls below its median of 13% year over year.
Less concerning ifRevenue growth stays at or above the median of 13%.
Why it matters: Improved net income shows the bank is managing costs well and growing profits.
Supportive ifQ2 net income grows year over year by at least 10%.
Worry ifQ2 net income declines or grows less than 5% year over year.
Why it matters: Slower loan growth could signal a shift in demand or competitive pressures. This would impact revenue and profitability.
Worry ifQ3 loan growth reported below 8% year over year.
Less concerning ifLoan growth remains at or above 8% year over year.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$86 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $232 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,784 loss on $10,000 · 17.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: More noninterest income means better performance in fee services. This helps overall profits.
Supportive ifNoninterest income grows by more than 5% from Q2.
Worry ifNoninterest income falls or stays the same compared to Q2.
Why it matters: An increase means management wants to give money back to shareholders. It shows they trust their finances.
Supportive ifDividend per share is raised above $0.60. This shows a commitment to how money is spent.
Worry ifDividend stays at $0.60 or is cut. This may mean financial issues.
Why it matters: An increase shows strong capital management. It also shows a commitment to shareholder returns. This can boost investor confidence.
Supportive ifThe Board announces a dividend increase above $0.66 per share.
Worry ifThe dividend remains at $0.66 per share or decreases.
Why it matters: Growing net income shows good management and efficient operations. The bank is meeting its goals.
Supportive ifNet income for Q3 is over $230 million. This shows strong performance.
Worry ifNet income for Q3 is under $230 million. This suggests there are operational issues.
Why it matters: Earnings results will show if net income growth continues. This affects investor confidence.
Watch forNet income increases year over year by more than 5% in the next earnings report.
Also watch forNet income decreases or grows less than 5% year over year in the next earnings report.
Why it matters: Noninterest income is important for making money. A drop may show problems with fees.
Worry ifQ3 noninterest income was less than $97 million.
Less concerning ifQ3 noninterest income was more than $97 million.
Why it matters: Stability in loan growth is key for future earnings. Declines may signal issues.
Worry ifLoan growth stabilizes or declines by less than 5% in the next quarter.
Less concerning ifLoan growth increases by more than 5% in the next quarter.
Why it matters: Keeping net charge-offs low is key for asset quality. It shows good credit risk management.
Supportive ifNet charge-offs were below 0.10% of average loans. This confirms strong asset quality.
Worry ifNet charge-offs are over 0.15%. This raises worries about credit quality.
Why it matters: Higher operating income shows the bank is doing its job better.
Supportive ifOperating income increases year over year by at least 8%.
Worry ifOperating income stays flat or declines year over year.
Why it matters: The earnings report will give details about revenue growth and the company's financial health.
Watch forEarnings per share (EPS) exceeds analyst expectations by more than 5%.
Also watch forEPS falls short of analyst expectations by more than 5%.
Why it matters: A change in the dividend policy may show how management feels about future earnings and cash flow.
Watch forA press release announcing an increase in the dividend payout ratio.
Also watch forA press release announcing a decrease in the dividend payout ratio.
Why it matters: Better efficiency means lower costs and better operations. This is important for making more money.
Supportive ifEfficiency ratio drops below 50% in Q3.
Worry ifEfficiency ratio is still over 50% in Q3.
Why it matters: A big drop in net interest income may mean lower margins and profits.
Worry ifQ2 net interest income falls more than 5% compared to Q1.
Less concerning ifQ2 net interest income stays flat or grows compared to Q1.
Why it matters: Strong loan growth shows good management. It also shows demand for credit, which helps earnings.
Supportive ifLoans grow more than 10% year over year in the next quarter.
Worry ifLoan growth falls below 8% year over year.
Why it matters: Regular dividend increases show strong cash flow. They also show a commitment to shareholders.
Supportive ifThe dividend per share increases again in the next quarter.
Worry ifThe dividend per share remains unchanged or decreases.
Why it matters: Higher charge-offs may show weaker asset quality. This can hurt profits.
Worry ifNet charge-offs exceed 0.09% of average loans in the next quarter.
Less concerning ifNet charge-offs remain below 0.06% of average loans.
Why it matters: Updates on AI skills may show how competitive the company is. This can show future growth.
Watch forManagement shares details about their progress in AI skills.
Also watch forNo updates or metrics about AI skills are shared.