SouthState Bank Reports Strong Q4 Earnings and Growth Strategy
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 4d ago
0mins
Should l Buy SSB?
Source: seekingalpha
SouthState Bank Corp (SSB) has seen its stock rise by 3.53% as it reaches a 20-day high, reflecting positive market sentiment following its recent announcements.
The bank reported a Q4 Non-GAAP EPS of $2.47, exceeding estimates by $0.19, alongside a remarkable 52.1% year-over-year revenue growth, reaching $686 million. This strong performance highlights the bank's operational efficiency and robust customer demand. However, analysts have expressed caution regarding the bank's Q1 2025 earnings forecast, leading to a rating downgrade that may affect investor confidence moving forward.
The addition of 32 seasoned producers is expected to enhance SouthState's capabilities in commercial, mortgage, and wealth management sectors, positioning the bank for further growth in high-potential markets. This strategic move, combined with the strong earnings report, suggests a solid foundation for sustainable growth in the coming years.
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Analyst Views on SSB
Wall Street analysts forecast SSB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SSB is 115.64 USD with a low forecast of 109.00 USD and a high forecast of 122.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Analyst Rating
11 Buy
0 Hold
0 Sell
Strong Buy
Current: 106.560
Low
109.00
Averages
115.64
High
122.00
Current: 106.560
Low
109.00
Averages
115.64
High
122.00
About SSB
SouthState Bank Corporation is a financial services company. SouthState Bank, N.A. (the Bank), the Company’s nationally chartered bank subsidiary, provides consumer, commercial, mortgage and wealth management solutions throughout Florida, Texas, the Carolinas, Georgia, Colorado, Alabama, Virginia and Tennessee. The Bank also serves clients nationwide through its correspondent banking division. The Bank’s solutions include personal, mortgage, small business, commercial and wealth. The Bank’s personal solutions include banking, borrowing, investing, and opening accounts. The Bank’s mortgage solutions include mortgage loans, refinancing, and HomeBuying 101. The Bank’s small business solutions include banking, borrowing, managing cash flow, and small business resources. Its commercial solutions include banking, financing, capital markets, employee services, international services and institutional asset management. Its wealth solutions include investment services and private wealth.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
SouthState Bank (SSB) Reports Over 30% EPS Growth in Q4 2025 and 11% Dividend Increase
- Successful Acquisition Integration: SouthState Bank has successfully completed the integration of Independent Financial, with CEO John Corbett highlighting the transition through high risks and system conversions, now reaping the rewards of enhanced operational capabilities post-merger.
- Earnings and Dividend Growth: The bank reported over 30% growth in earnings per share (EPS) for 2025 and an 11% increase in dividends, reflecting strengthened profitability and providing higher returns to shareholders, thereby reinforcing investor confidence.
- Loan and Deposit Growth: In Q4 2025, both loans and deposits achieved an annualized growth of 8%, demonstrating the bank's competitive position and strong customer demand, with expectations of continued mid- to upper single-digit loan growth in 2026.
- Strong Capital and Efficiency Ratios: CFO William Matthews reported net interest income of $581 million for 2025, with robust capital ratios, including a TCE ratio of 8.8%, indicating solid performance in capital management and operational efficiency, laying a strong foundation for future growth.
See More
South State Bank Q4 Non-GAAP EPS of $2.47 Beats Estimates with 52.1% Revenue Growth
- Earnings Beat: South State Bank reported a Q4 Non-GAAP EPS of $2.47, exceeding estimates by $0.19, indicating robust profitability and operational efficiency.
- Significant Revenue Growth: The bank's revenue reached $686 million in Q4, reflecting a 52.1% year-over-year increase, surpassing expectations by $18.29 million, showcasing strong market performance and heightened customer demand.
- Cautious Future Outlook: Despite the impressive results, analysts express caution regarding the bank's Q1 2025 earnings forecast, which may impact investor confidence moving forward.
- Rating Downgrade: South State's rating has been downgraded, highlighting concerns over the sustainability of its current growth trajectory, which could lead to stock price volatility.
See More
South State (SSB) Expected to Report 6% EPS Growth to $2.28 in Q1 Earnings
- Earnings Expectations: South State is set to announce its Q1 earnings on January 22, with a consensus EPS estimate of $2.28, reflecting a 6% year-over-year growth, indicating sustained profitability potential for the bank.
- Revenue Forecast: The revenue estimate for Q1 stands at $667.71 million, representing a 5.9% year-over-year increase, showcasing the bank's robust performance in loan and deposit activities despite market disruptions.
- Historical Performance: Over the past two years, South State has beaten EPS estimates 100% of the time and revenue estimates 88% of the time, underscoring the bank's reliability in financial forecasting and bolstering market confidence.
- Estimate Revisions: In the last three months, both EPS and revenue estimates have seen six upward revisions and four downward adjustments, reflecting analysts' mixed views on the bank's future performance, which could influence investor decisions.
See More
SouthState (NYSE:SSB) Adds 32 Seasoned Producers to Drive Growth in 2026
- Talent Acquisition Strategy: SouthState's addition of 32 seasoned producers significantly enhances its operational capabilities in key markets, demonstrating the company's strong commitment to expanding market share and deepening client relationships, thereby laying a solid foundation for sustainable growth in 2026 and beyond.
- Diverse Executive Backgrounds: The new hires come from various respected financial institutions, covering commercial, mortgage, and wealth management sectors, and are expected to enhance the company's strategic execution capabilities through their extensive industry experience and expertise, driving growth in commercial and wealth management.
- Market Opportunity Capture: The backgrounds of these new executives in high-growth regions will enable SouthState to better capitalize on market opportunities, strengthening its position in the competitive financial services industry and creating long-term value for shareholders.
- Balanced Risk Management and Growth: While attracting top talent, SouthState emphasizes maintaining disciplined risk management to ensure that it can effectively control potential risks while pursuing growth, safeguarding the company's financial health and sustainable development.
See More
SouthState Bank Adds 32 Seasoned Producers to Drive Growth in 2026
- Talent Acquisition: SouthState Bank's addition of 32 seasoned producers in Q1 2026 underscores its commitment to expanding market share and deepening client relationships, which is expected to drive revenue growth.
- Strategic Investment: President Richard Murray stated that these new hires will enhance the bank's execution capabilities in commercial, mortgage, and wealth management sectors, positioning the company to capitalize on opportunities in high-growth regions and increase long-term shareholder value.
- Diverse Backgrounds: The new team members include professionals from respected institutions like BOK Financial, Truist, and JPMorganChase, covering various fields such as commercial banking, mortgage lending, and middle-market expertise, which is anticipated to bring valuable industry experience and client resources to the bank.
- Market Expansion: With these new talents, SouthState Bank aims to further solidify its market position in Florida, Texas, and the Carolinas, enhancing its competitiveness nationwide and driving sustainable growth in the future.
See More
FNB Launches Payment Switch to Enhance Clicks-to-Bricks Approach
FNB's Payment Switch Launch: F.N.B. Corp has introduced Payment Switch, a service that allows clients to automate their recurring ACH and debit card payments through the FNB Direct Mobile Banking App, enhancing customer onboarding and simplifying the account-switching process.
Digital Payment Enhancements: The new service complements FNB's existing Direct Deposit Switch and reflects the bank's commitment to improving digital onboarding and payment capabilities, including instant payments and temporary digital debit cards.
Market Position and Growth: FNB's shares have increased by 26.9% over the past six months, outperforming the industry average of 11.8%, and the bank currently holds a Zacks Rank #2 (Buy).
Competitive Landscape: Competitors like Hancock Whitney and SouthState Corp are also expanding their market presence through acquisitions and strategic growth plans, indicating a competitive environment in the banking sector.
See More
SouthState Bank (SSB) Reports Over 30% EPS Growth in Q4 2025 and 11% Dividend Increase
- Successful Acquisition Integration: SouthState Bank has successfully completed the integration of Independent Financial, with CEO John Corbett highlighting the transition through high risks and system conversions, now reaping the rewards of enhanced operational capabilities post-merger.
- Earnings and Dividend Growth: The bank reported over 30% growth in earnings per share (EPS) for 2025 and an 11% increase in dividends, reflecting strengthened profitability and providing higher returns to shareholders, thereby reinforcing investor confidence.
- Loan and Deposit Growth: In Q4 2025, both loans and deposits achieved an annualized growth of 8%, demonstrating the bank's competitive position and strong customer demand, with expectations of continued mid- to upper single-digit loan growth in 2026.
- Strong Capital and Efficiency Ratios: CFO William Matthews reported net interest income of $581 million for 2025, with robust capital ratios, including a TCE ratio of 8.8%, indicating solid performance in capital management and operational efficiency, laying a strong foundation for future growth.
See More
South State Bank Q4 Non-GAAP EPS of $2.47 Beats Estimates with 52.1% Revenue Growth
- Earnings Beat: South State Bank reported a Q4 Non-GAAP EPS of $2.47, exceeding estimates by $0.19, indicating robust profitability and operational efficiency.
- Significant Revenue Growth: The bank's revenue reached $686 million in Q4, reflecting a 52.1% year-over-year increase, surpassing expectations by $18.29 million, showcasing strong market performance and heightened customer demand.
- Cautious Future Outlook: Despite the impressive results, analysts express caution regarding the bank's Q1 2025 earnings forecast, which may impact investor confidence moving forward.
- Rating Downgrade: South State's rating has been downgraded, highlighting concerns over the sustainability of its current growth trajectory, which could lead to stock price volatility.
See More
South State (SSB) Expected to Report 6% EPS Growth to $2.28 in Q1 Earnings
- Earnings Expectations: South State is set to announce its Q1 earnings on January 22, with a consensus EPS estimate of $2.28, reflecting a 6% year-over-year growth, indicating sustained profitability potential for the bank.
- Revenue Forecast: The revenue estimate for Q1 stands at $667.71 million, representing a 5.9% year-over-year increase, showcasing the bank's robust performance in loan and deposit activities despite market disruptions.
- Historical Performance: Over the past two years, South State has beaten EPS estimates 100% of the time and revenue estimates 88% of the time, underscoring the bank's reliability in financial forecasting and bolstering market confidence.
- Estimate Revisions: In the last three months, both EPS and revenue estimates have seen six upward revisions and four downward adjustments, reflecting analysts' mixed views on the bank's future performance, which could influence investor decisions.
See More
SouthState (NYSE:SSB) Adds 32 Seasoned Producers to Drive Growth in 2026
- Talent Acquisition Strategy: SouthState's addition of 32 seasoned producers significantly enhances its operational capabilities in key markets, demonstrating the company's strong commitment to expanding market share and deepening client relationships, thereby laying a solid foundation for sustainable growth in 2026 and beyond.
- Diverse Executive Backgrounds: The new hires come from various respected financial institutions, covering commercial, mortgage, and wealth management sectors, and are expected to enhance the company's strategic execution capabilities through their extensive industry experience and expertise, driving growth in commercial and wealth management.
- Market Opportunity Capture: The backgrounds of these new executives in high-growth regions will enable SouthState to better capitalize on market opportunities, strengthening its position in the competitive financial services industry and creating long-term value for shareholders.
- Balanced Risk Management and Growth: While attracting top talent, SouthState emphasizes maintaining disciplined risk management to ensure that it can effectively control potential risks while pursuing growth, safeguarding the company's financial health and sustainable development.
See More
SouthState Bank Adds 32 Seasoned Producers to Drive Growth in 2026
- Talent Acquisition: SouthState Bank's addition of 32 seasoned producers in Q1 2026 underscores its commitment to expanding market share and deepening client relationships, which is expected to drive revenue growth.
- Strategic Investment: President Richard Murray stated that these new hires will enhance the bank's execution capabilities in commercial, mortgage, and wealth management sectors, positioning the company to capitalize on opportunities in high-growth regions and increase long-term shareholder value.
- Diverse Backgrounds: The new team members include professionals from respected institutions like BOK Financial, Truist, and JPMorganChase, covering various fields such as commercial banking, mortgage lending, and middle-market expertise, which is anticipated to bring valuable industry experience and client resources to the bank.
- Market Expansion: With these new talents, SouthState Bank aims to further solidify its market position in Florida, Texas, and the Carolinas, enhancing its competitiveness nationwide and driving sustainable growth in the future.
See More
FNB Launches Payment Switch to Enhance Clicks-to-Bricks Approach
FNB's Payment Switch Launch: F.N.B. Corp has introduced Payment Switch, a service that allows clients to automate their recurring ACH and debit card payments through the FNB Direct Mobile Banking App, enhancing customer onboarding and simplifying the account-switching process.
Digital Payment Enhancements: The new service complements FNB's existing Direct Deposit Switch and reflects the bank's commitment to improving digital onboarding and payment capabilities, including instant payments and temporary digital debit cards.
Market Position and Growth: FNB's shares have increased by 26.9% over the past six months, outperforming the industry average of 11.8%, and the bank currently holds a Zacks Rank #2 (Buy).
Competitive Landscape: Competitors like Hancock Whitney and SouthState Corp are also expanding their market presence through acquisitions and strategic growth plans, indicating a competitive environment in the banking sector.
See More
