What is the 13F Pro Quality Score for SSB?

13F Pro ranks SouthState Bank Corp (SSB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SSB's current score at https://13fpro.ai/company/SSB (free sign-up required for the full ranking).

Where does 13F Pro source SSB data?

All SouthState Bank Corp fundamentals and ownership data come directly from SEC EDGAR. SouthState Bank Corp files with the SEC under CIK 764038. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SSB in?

SouthState Bank Corp (SSB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives SSB's revenue?

Per SouthState Bank Corp's latest 10-Q filed with the SEC on 2026-07-31, the biggest revenue drivers are: Net Interest Income ($575.9M, -0.3% YoY); Noninterest Income ($96.7M, +11.4% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/SSB.

What are SSB's largest expenses?

SouthState Bank Corp's latest 10-Q reports these as the largest expense items: Salaries and Employee Benefits ($205.4M, +2.6% YoY); Occupancy Expense ($43.9M, +5.7% YoY); Amortization of Intangibles ($21.0M, -12.5% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is SSB research updated on 13F Pro?

SSB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

SouthState Bank Corp(SSB)Stock Analysis

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13F Pro Quality Score

77.0/100

Rank #77 of 2,961 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

85.4/100

Profitability

95.3/100

Balance Sheet

48.5/100

Earnings Quality

31.2/100

Free Cash Flow

85.3/100

Institutional Flow

95.0/100

Revenue Scale

67.9/100

Dilution Risk

48.4/100

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Why SSB Scores 77/100

exact factor attribution · 2026-09-11

SSB's composite is driven by revenue growth and profitability, held back by earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+9.4 pts

85th pct

Profitability

+9.1 pts

95th pct

Free cash flow

+5.3 pts

85th pct

Scale

+3.6 pts

68th pct

Institutional flow

+3.0 pts

95th pct

Earnings growth

+2.3 pts

84th pct

Shareholder dilution

-0.1 pts

48th pct

Capital efficiency

-0.2 pts

49th pct

Earnings quality

-1.9 pts

31th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

SSB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for SouthState Bank Corp (SSB), 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 2,961 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. SouthState Bank Corp's 13F Pro composite quality score has ranged between 34 and 77 since 2026, currently 77.0 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

What's Driving SSB's Business? Latest 10-Q Breakdown

AI-extracted from SouthState Bank Corp's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$672.7M

Net Income

Q2 2026

$230.0M

Free Cash Flow

Q2 2026

$260.3M

Operating Margin

Q2 2026

44.5%

ROIC

Q2 2026

13.1%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+56.1% YoY

$2.68BFY 2025

FY22 $1.64BFY23 $1.74BFY24 $1.72BFY25 $2.68B

Net Income

+49.3% YoY

$798.7MFY 2025

FY22 $496.0MFY23 $494.3MFY24 $534.8MFY25 $798.7M

EPS (Diluted)

+12.9% YoY

$7.87FY 2025

FY22 $6.60FY23 $6.46FY24 $6.97FY25 $7.87

Total Assets

+44.9% YoY

$67.20BFY 2025

FY22 $43.92BFY23 $44.90BFY24 $46.38BFY25 $67.20B

Op. Cash Flow

-41.2% YoY

$300.8MFY 2025

FY22 $1.73BFY23 $546.8MFY24 $512.0MFY25 $300.8M

Free Cash Flow

-51.6% YoY

$230.6MFY 2025

FY22 $1.71BFY23 $507.9MFY24 $476.2MFY25 $230.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$2.68B +56.1%	$1.72B -1.3%	$1.74B +5.8%	$1.64B +18.6%	$1.39B	—
Net Income	$798.7M +49.3%	$534.8M +8.2%	$494.3M -0.4%	$496.0M +4.3%	$475.5M +294.2%	$120.6M
EPS (Diluted)	$7.87 +12.9%	$6.97 +7.9%	$6.46 -2.1%	$6.60 -1.6%	$6.71 +206.4%	$2.19
Total Assets	$67.20B +44.9%	$46.38B +3.3%	$44.90B +2.2%	$43.92B +4.7%	$41.96B +11.0%	$37.79B
Operating Cash Flow	$300.8M -41.2%	$512.0M -6.4%	$546.8M -68.4%	$1.73B +316.4%	$415.7M -22.6%	$536.9M
Free Cash Flow	$230.6M -51.6%	$476.2M -6.2%	$507.9M -70.4%	$1.71B +342.4%	$387.3M -25.5%	$520.0M

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Available Research

13F Pro tracks comprehensive data for SouthState Bank Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SSB

BlackRock, Inc.
$981.6M9,825,398 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$633.6M6,342,629 sh
DIMENSIONAL FUND ADVISORS LP
$510.0M5,104,685 sh
VANGUARD CAPITAL MANAGEMENT LLC
$441.3M4,417,078 sh
STATE STREET CORP
$385.4M3,858,127 sh
T. Rowe Price Investment Management, Inc.
$257.4M2,576,667 sh
Invesco Ltd.
$229.3M2,295,282 sh
AMERICAN CENTURY COMPANIES INC
$208.4M2,085,755 sh
FMR LLC
$208.2M2,084,342 sh
GEODE CAPITAL MANAGEMENT, LLC
$194.8M1,949,937 sh

Fund	Value	Shares
BlackRock, Inc.	$981.6M	9,825,398
VANGUARD PORTFOLIO MANAGEMENT LLC	$633.6M	6,342,629
DIMENSIONAL FUND ADVISORS LP	$510.0M	5,104,685
VANGUARD CAPITAL MANAGEMENT LLC	$441.3M	4,417,078
STATE STREET CORP	$385.4M	3,858,127
T. Rowe Price Investment Management, Inc.	$257.4M	2,576,667
Invesco Ltd.	$229.3M	2,295,282
AMERICAN CENTURY COMPANIES INC	$208.4M	2,085,755
FMR LLC	$208.2M	2,084,342
GEODE CAPITAL MANAGEMENT, LLC	$194.8M	1,949,937

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Is SSB a good stock to buy?

13F Pro's AI-powered analysis of SouthState Bank Corp (SSB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SSB are available on the SSB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. SSB is classified as a large company.

Which hedge funds own SSB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SSB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SouthState Bank Corp's investment landscape.