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Upturn AI SWOT - About
SSB 
SouthState Corporation (SSB)
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Upturn Advisory Summary
06/27/2025: SSB (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
11 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $112.91
Year Target Price $112.91
| 6 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.29% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.23B USD | Price to earnings Ratio 14.35 | 1Y Target Price 112.25 |
Price to earnings Ratio 14.35 | 1Y Target Price 112.25 | ||
Volume (30-day avg) - | Beta 0.76 | 52 Weeks Range 73.05 - 113.01 | Updated Date 06/29/2025 |
52 Weeks Range 73.05 - 113.01 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.37% | Basic EPS (TTM) 6.34 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 27.82% | Operating Margin (TTM) 42.66% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 7.18% |
Valuation
Trailing PE 14.35 | Forward PE 11.2 | Enterprise Value 8531569664 | Price to Sales(TTM) 5.05 |
Enterprise Value 8531569664 | Price to Sales(TTM) 5.05 | ||
Enterprise Value to Revenue 5.31 | Enterprise Value to EBITDA - | Shares Outstanding 101493000 | Shares Floating 100116105 |
Shares Outstanding 101493000 | Shares Floating 100116105 | ||
Percent Insiders 1.19 | Percent Institutions 89.24 |
Analyst Ratings
Rating 4.36 | Target Price 112.91 | Buy 3 | Strong Buy 6 |
Buy 3 | Strong Buy 6 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
SouthState Corporation
Company Overview
History and Background
SouthState Corporation was founded in 1933 as South Carolina Bankshares. It has grown through numerous acquisitions to become a major regional bank in the Southeast.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including lending, treasury management, and deposit accounts, to businesses of all sizes.
- Retail Banking: Offers retail banking services, including checking and savings accounts, mortgages, credit cards, and other consumer loans, to individuals and families.
- Wealth Management: Provides wealth management services, including financial planning, investment management, and trust services, to high-net-worth individuals and families.
Leadership and Structure
Robert R. Hill, Jr. is the CEO. The organizational structure is typical of a regional bank, with divisions for retail, commercial, and wealth management, supported by central functions like risk management and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver for SouthState. They compete with other regional and national banks in the Southeast. Precise market share data is difficult to obtain but SouthState holds a meaningful portion.
- Mortgages: SouthState originates residential mortgages. Competitors include national mortgage lenders like Rocket Mortgage and local banks. Specific market share data is not readily available, but they compete on service and local market knowledge.
- Deposit Accounts: A core banking product. Competitors include all banks and credit unions. SouthState seeks competitive rates and services.
Market Dynamics
Industry Overview
The banking industry is facing increasing regulatory scrutiny, technological disruption, and competition from fintech companies. Interest rate changes significantly impact profitability.
Positioning
SouthState is a leading regional bank in the Southeast, known for its strong customer relationships and community involvement. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is estimated to be in the hundreds of billions of dollars. SouthState is well-positioned to capture a significant share of this market through organic growth and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Diversified revenue streams
- Solid financial performance
- Strong customer relationships
Weaknesses
- Exposure to interest rate risk
- Competition from larger national banks
- Dependence on economic conditions in the Southeast
- Cybersecurity threats
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in wealth management services
- Increase in population and economic activity in the Southeast
Threats
- Economic downturn
- Increased regulatory scrutiny
- Competition from fintech companies
- Rising interest rates
- Cybersecurity breaches
Competitors and Market Share
Key Competitors
- Truist Financial Corporation (TFC)
- Regions Financial Corporation (RF)
- PNC Financial Services Group (PNC)
Competitive Landscape
SouthState competes with larger national banks and smaller regional banks. Its competitive advantage lies in its local market knowledge and personalized service, but it must innovate in technology to keep up with competitors.
Major Acquisitions
Atlantic Capital Bancshares
- Year: 2020
- Acquisition Price (USD millions): 1400
- Strategic Rationale: Expanded SouthState's presence in the Atlanta market.
Growth Trajectory and Initiatives
Historical Growth: SouthState has experienced consistent growth in recent years, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for SouthState, with revenue expected to increase by 5-7% per year over the next few years.
Recent Initiatives: Recent initiatives include investments in digital banking technologies, expansion into new markets, and strategic acquisitions.
Summary
SouthState Corporation is a financially sound regional bank with a strong presence in the Southeast. Its diversified revenue streams and strategic acquisitions have fueled consistent growth. However, it faces increasing competition from larger national banks and fintech companies and needs to invest in technology to stay ahead. The company's success is tied to the economic health of the Southeast region.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SouthState Corporation Investor Relations
- SEC Filings
- MarketWatch
- Yahoo Finance
- Company's Annual Reports
- Nasdaq
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share figures are estimates and may vary depending on the source. Financial data is based on the most recently available information.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SouthState Corporation
Exchange NASDAQ | Headquaters Winter Haven, FL, United States | ||
IPO Launch date 1997-01-28 | CEO & Director Mr. John C. Corbett | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 6405 | Website https://www.southstatebank.com |
Full time employees 6405 | Website https://www.southstatebank.com | ||
SouthState Corporation operates as the bank holding company for SouthState Bank, National Association that provides a range of banking services and products to individuals and companies in the United States. The company offers checking accounts, savings accounts, money market accounts, and time deposit accounts; interest-bearing deposits, certificates of deposits, and other time deposits; and interest-bearing transaction accounts. It also provides bond accounting services for correspondents, asset/liability consulting related activities, international wires, and other clearing and corporate checking account services. In addition, the company offers commercial real estate, residential real estate, and commercial and industrial loans, as well as consumer loans, including auto, boat, and personal installment, as well as business, agriculture, real estate-secured (mortgage), home improvement, and manufactured housing loans. Further, it provides debit and credit card, mobile services, funds transfer products and services, and treasury management services comprising merchant, automated clearing house, lock-box, remote deposit capture, and other treasury services, as well as asset and wealth management, and other fiduciary and private banking services. Additionally, the company offers safe deposit boxes, bank money orders, wire transfer and ACH services, brokerage services, and alternative investment products, such as annuities and mutual funds, trust and asset management services; letters of credit and home equity lines of credit; and online, mobile, and telephone banking platforms. The company was formerly known as First Financial Holdings, Inc. and changed its name to SouthState Corporation in July 2013. SouthState Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.
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