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
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 is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.5% |
| Our one-year growth estimate | diamond | -11.7% |
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 2026-11-04.
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 11.2 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
SSB — earnings miss
Dated 2026-10-21
Results of Operations and Financial Condition. On October 21, 2026, SouthState Bank Corporation (“SouthState” or the “Company”) issued a press release announcing its financial results for the three- and nine-month periods ended September 30, 2026, along with certain other financial information. Copies of the Company’s press release and presentation are attached as Exhibit 99.1 and 99.2, respectively, to this report and incorporated herein by reference. SouthState will host a conference call o…
Why it matters: Loans and deposits each grew at a 9% annual rate in Q3. Growth near that pace would support the bank’s stated growth plan.
Supportive ifIn the next reported quarter, loans and deposits each grow at an annual rate of 8% or more.
Worry ifEither loans or deposits grow at an annual rate below 4%, or either balance falls from the prior quarter.
Why it matters: SouthState bought 250,000 shares in Q3 and nearly 5% of its shares over the past year. Continued buybacks would show that this capital plan remains active.
Supportive ifThe next results release reports another share repurchase, with the share count lower than the prior quarter.
Worry ifThe next results release reports no buybacks and a flat or higher share count.
Why it matters: Q3 net charge-offs were low, but the credit loss provision rose to $20 million from $16 million in Q2. Higher losses could weaken results.
Worry ifIn a later quarter, net charge-offs top 0.15% of average loans, or the credit loss provision tops $20 million.
Less concerning ifNet charge-offs stay at or below 0.10% of average loans and the provision falls below $20 million.
Why it matters: The Q3 margin was stable, while deposit costs rose to 1.80%. A steady margin would show that funding costs are not outpacing loan income.
Watch forQ4 net interest margin is 3.77% or higher, and deposit costs stay at or below 1.80%.
Also watch forQ4 net interest margin falls below 3.65%, or deposit costs rise above 1.90%.
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 | ±$76 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $200 loss on $10,000 · 2.0% | 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.