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Upturn AI Summary - About
SouthState Corporation(SSB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SSB
11/06/2026: SSB (3-star) is a STRONG-BUY. BUY for 7 days. Simulated Profits (-1.25%). Updated daily EoD!
SouthState Corporation is a prominent regional banking institution with a strong operational presence across the growing Southeastern United States. The company has built a reputation for disciplined credit management and successful M&A integration, particularly following its transformative merger with CenterState Bank. Its primary growth story revolves around capturing demographic-driven loan demand in the Southeast and expanding its fee-based wealth management services. Key risks include intense competitive pressure from larger banks, geographic concentration, and interest rate sensitivity. Suited for value and dividend-oriented investors, stakeholders should monitor the bank's net interest margins and successful integration of any future strategic acquisitions to ensure continued financial health.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to regional expansion and M&A cycles rather than aggressive organic disruption. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may find opportunity during phases of rising interest rates or positive sector sentiment. |
| Value investor | Strong fit | The stock often trades at valuations reflective of fundamental regional banking metrics, appealing to value-oriented investors. |
| Dividend investor | Strong fit | SouthState offers a reliable dividend yield that suits income-focused investment portfolios. |
| Low-risk investor | Mixed fit | While established, regional banking carries inherent sensitivity to credit and interest rate risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on interest rate sentiment and macroeconomic headlines. |
| Valuation risk | Medium | Overpayment for acquisitions or excessive valuation multiples can limit future upside for shareholders. |
| Competition risk (Regional Banking) | Medium / high | Intense competition from both large money-center banks and aggressive regional peers limits pricing power. |
| Business quality | Strong | The company has a well-regarded franchise and a history of maintaining decent credit standards. |
| Dividend income | Medium | Sustainability depends on the bank's ability to maintain capital ratios and regulatory compliance. |
| Execution risk | Medium | Success is largely predicated on the ability to integrate acquisitions effectively and manage costs. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 29.86% | Avg. Invested days 58 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.07B USD | Price to earnings Ratio 11.09 | 1Y Target Price 119.64 |
Price to earnings Ratio 11.09 | 1Y Target Price 119.64 | ||
Volume (30-day avg) 790.4K shares | Beta 0.77 | 52 Weeks Range 82.46 - 111.49 | Updated Date 11/08/2026 |
52 Weeks Range 82.46 - 111.49 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.36% | Basic EPS (TTM) 9.39 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (commercial, mortgage, consumer) minus interest paid on deposits. | This is the core profit driver, effectively the spread between what they earn on loans and what they pay customers for deposits. |
| Non-Interest Income | Fees from trust services, deposit service charges, and mortgage banking activities. | This provides diversified revenue streams that are less sensitive to interest rate fluctuations. |
| Geographic Exposure | Concentrated in the Southeastern United States (Florida, Georgia, Carolinas, etc.). | Investors are exposed to the economic health and population growth trends of the Southeast US. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 2.39 | Actual 2.3 |
Profitability
Profit Margin 35.03% | Operating Margin (TTM) 48.86% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 10.27% |
Valuation
Trailing PE 11.09 | Forward PE 10.21 | Enterprise Value 10.17B | Price to Sales(TTM) 3.8 |
Enterprise Value 10.17B | Price to Sales(TTM) 3.8 | ||
Enterprise Value to Revenue 4.19 | Enterprise Value to EBITDA - | Shares Outstanding 96.68M | Shares Floating 95.37M |
Shares Outstanding 96.68M | Shares Floating 95.37M | ||
Percent Insiders 1.27 | Percent Institutions 91.94 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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