South State Bank
SSB NYSE· Regional Banks
Last close · Oct 27, 2026
$105.68
KIRA · Stoqly’s AI analyst, in plain words
- South State Bank had $2.7B of revenue in fiscal 2025, up 56.1% on the year before. Over five years, revenue changed +18.7% a year on average.
- South State Bank made $799M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.3% a year.
- South State Bank returned $467M to shareholders in fiscal 2025. The diluted share count rose 32.2%.
- It earned 10.7% on shareholders’ money. Running costs took 56.7% of revenue (the efficiency ratio; lower is better).
Market cap
$10.7B
P/E
11.1x
Revenue
$2.7B
Net income
$799M
Return on equity
10.7%
Efficiency ratio
56.7%
South State Bank in 30 seconds · fiscal 2025
Are sales growing?
+56.1%
Yes. Sales grew 56.1% last year.
Does it make a profit?
29.8%
Yes. It keeps 29.8% of every sale as profit.
How lean are its costs?
56.7%
Average. Running costs take 56.7% of revenue.
How much does it earn on its capital?
10.7%
Fair. It earns 10.7% a year on shareholders’ money.
How is the share priced?
11.1x
One share costs 11.1 times its yearly profit per share. Typical for its sector: 13.7x.
What South State Bank does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 20, 2026
- Legal name
- SOUTHSTATE BANK CORP
- CIK
- 0000764038
South State Bank · SSB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.4B | $1.6B | $1.7B | $1.7B | $2.7B |
| Revenue growth | 22.0% | 18.6% | 5.8% | −1.3% | 56.1% |
| Net interest income | $1.0B | $1.3B | $1.5B | $1.4B | $2.3B |
| Net income | $476M | $496M | $494M | $535M | $799M |
| Net margin | 34.3% | 30.2% | 28.4% | 31.1% | 29.8% |
| Diluted EPS | $6.71 | $6.60 | $6.46 | $6.97 | $7.87 |
| Cash | |||||
| Dividends paid | $135M | $147M | $156M | $163M | $231M |
| Share buybacks | $147M | $119M | $16.1M | $16.8M | $236M |
| Share count change | 28.7% | 6.1% | 1.7% | 0.4% | 32.2% |
| Debt and strength | |||||
| Loans, net | $23.6B | $29.8B | $31.9B | $33.4B | $48.0B |
| Deposits | $35.1B | $36.4B | $37.0B | $38.1B | $55.1B |
| Shareholders' equity | $4.8B | $5.1B | $5.5B | $5.9B | $9.1B |
| Returns and quality | |||||
| Return on equity | 10.1% | 10.0% | 9.3% | 9.4% | 10.7% |
| Return on tangible equity | 15.8% | 16.2% | 15.1% | 14.4% | 16.9% |
| Efficiency ratio | 68.4% | 56.5% | 57.2% | 58.3% | 56.7% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$6.3M
3 insiders
Of sales under plans
43%
$2.7M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
South State Bank · SSB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
Similar companies
Each company’s latest fiscal year. Fiscal years end in different months, so periods don’t line up exactly.
| Company | Market cap | Growth | Net margin | ROE | P/E | F-score |
|---|---|---|---|---|---|---|
| South State Bank SSB | $10.7B | 56.1% | 29.8% | 10.7% | 11.1x | — |
| UMB Financial UMBF | $9.9B | 62.8% | 26.5% | 12.6% | 11.1x | — |
| Wintrust Financial WTFC | $10.2B | 11.2% | 30.2% | 12.1% | 12.1x | — |
| Old National Bank ONB | $9.1B | 33.9% | 26.5% | 9.0% | 12.8x | — |
| East West Bancorp EWBC | $18.3B | 12.2% | 45.2% | 15.9% | 12.6x | — |
Price compared with profit (P/E)
How many times its yearly profit per share one share costs. Higher means investors pay more for each unit of profit.
KIRA
At $105.68 a share, the company is worth $10.7B: 11.1 times its earnings of the last four quarters.
South State Bank grew sales faster than 3 of its 4 similar companies. Its P/E is higher than 0 of 4.
Source: SEC EDGAR XBRL filings (CIK 0000764038). Data updated October 18, 2026. For information only — not investment advice. Check the original filings before relying on any figure.