SouthState Bank Corp(SSB)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
SouthState Bank Corp (SSB) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores SSB at 77.0/100 on a 32-signal composite quality model, placing it at rank #77 of 2,960 stocks — the top 5% of the AI-ranked universe. SSB scores in the top quartile across profitability (95.3), institutional flow (95.0), revenue growth (85.4). Areas of concern include earnings quality (31.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 48.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), SouthState Bank Corp reports quarterly revenue of $672.7M, net income of $230.0M, an operating margin of 44.5%. Top institutional holders of SSB by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. SSB trades on the NYSE exchange and files with the SEC under CIK 764038. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SSB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SouthState Bank Corp directly from SEC EDGAR.
AI Quality Score
77.0/100
AI Rank
#77
Revenue
$672.7M
Net Income
$230.0M
Free Cash Flow
$260.3M
Operating Margin
44.5%
SSB key financials by period
SouthState Bank Corp reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$2.7B
$798.7M
38.8%
FY 2024
10-K
$1.7B
$534.8M
40.8%
FY 2023
10-K
$1.7B
$494.3M
36.3%
FY 2022
10-K
$1.6B
$496.0M
38.5%
FY 2021
10-K
$1.4B
$475.5M
43.5%
FY 2019
10-K
$647.8M
$186.5M
35.6%
Institutions holding SSB
Institutional investors reporting a position in SouthState Bank Corp on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-31 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
SouthState reported Q2 2026 net income of $230.0M (+6.9% YoY) with diluted EPS of $2.35 (+11.4% YoY), driven by $9.9M higher noninterest income and $17.3M lower noninterest expense despite 24bp NIM compression.
Biggest Revenue Drivers
Net Interest Income$575.9M-0.3% YoY
Lower yields on acquired loans (-63bps) and lower rates on deposits partially offset by higher deposit volumes
Noninterest Income$96.7M+11.4% YoY
Increases in deposit service charges (+$2.2M), correspondent banking income (+$7.0M) from swap hedging, and mortgage servicing gains partially offset by lower SBA income
Biggest Revenue Drivers
Net Interest Income$575.9M-0.3% YoY
Lower yields on acquired loans (-63bps) and lower rates on deposits partially offset by higher deposit volumes
Noninterest Income$96.7M+11.4% YoY
Increases in deposit service charges (+$2.2M), correspondent banking income (+$7.0M) from swap hedging, and mortgage servicing gains partially offset by lower SBA income
Largest Expense Items
Salaries and Employee Benefits$205.4M+2.6% YoY
Higher commission expense of $4.9M from sales force expansion initiatives
Occupancy Expense$43.9M+5.7% YoY
Increases in furniture, equipment depreciation, and lease expenses of $1.5M and $1.0M respectively
Amortization of Intangibles$21.0M-12.5% YoY
Lower amortization from core deposit intangibles subject to accelerated amortization from Independent acquisition
Merger, Branch Consolidation and Other$0.0MN/A
No charges in Q2 2026 compared to $24.4M in Q2 2025 related to Independent integration
Margins: Net interest margin compressed 24bps to 3.78% YoY due to lower yields on acquired loans (down 63bps from continued paydowns and 30.5M decline in accretion) and lower rates on deposits, partially offset by lower funding costs declining 10bps and balance sheet mix improvements. The Company maintains a disciplined deposit pricing strategy.
Watch Items from the Filing
Commercial non-owner-occupied loans ($17.5B, 34.4% of portfolio) concentrated in office segment ($1.8B, 4% of total loans), with 95% located in company footprint; office exposure represents key monitoring area
Net interest margin declined 24bps YoY to 3.78% and 15bps YTD; loan accretion declined $30.5M Q2-to-Q2, driven by Independent acquired loan paydowns and runoff
Uninsured deposits at 37.8% of total deposits ($21.3B); total primary liquidity sources ($22.1B) provide only 103.7% coverage of uninsured/uncollateralized deposits ($16.5B)
ACL as % of loans at 1.15% vs. nonperforming loans coverage of 2.14x; credit quality stable with net charge-offs only 0.06% annualized, but ACL methodology highly sensitive to economic scenarios (±$176M-$122M swing)
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
