Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
SSB 
SouthState Corporation (SSB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/14/2025: SSB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $115.25
1 Year Target Price $115.25
| 6 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.59% | Avg. Invested days 53 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.87B USD | Price to earnings Ratio 14.49 | 1Y Target Price 115.25 |
Price to earnings Ratio 14.49 | 1Y Target Price 115.25 | ||
Volume (30-day avg) 11 | Beta 0.78 | 52 Weeks Range 76.77 - 112.27 | Updated Date 08/15/2025 |
52 Weeks Range 76.77 - 112.27 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 2.21% | Basic EPS (TTM) 6.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 1.85 | Actual 2.3 |
Profitability
Profit Margin 28.66% | Operating Margin (TTM) 52.4% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 8.19% |
Valuation
Trailing PE 14.49 | Forward PE 11.83 | Enterprise Value 9179213824 | Price to Sales(TTM) 4.78 |
Enterprise Value 9179213824 | Price to Sales(TTM) 4.78 | ||
Enterprise Value to Revenue 5.17 | Enterprise Value to EBITDA - | Shares Outstanding 101209000 | Shares Floating 99823437 |
Shares Outstanding 101209000 | Shares Floating 99823437 | ||
Percent Insiders 1.17 | Percent Institutions 84.47 |
Upturn AI SWOT
SouthState Corporation
Company Overview
History and Background
SouthState Corporation was founded in 1933 as South Carolina Bankshares, Inc. It has grown through numerous acquisitions to become a leading regional bank in the Southeast.
Core Business Areas
- Commercial Banking: Provides a range of lending, deposit, and treasury management services to businesses of all sizes.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and other loans.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team includes Robert R. Hill, Jr. (CEO) and John C. Corbett (President). The company operates with a regional management structure.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers various commercial loan products, including term loans, lines of credit, and real estate financing. Specific market share data is difficult to ascertain, but they compete with other regional and national banks such as Truist (TFC), Bank of America (BAC) and Wells Fargo (WFC). Revenue generation is a significant part of their core business.
- Competitors: Truist (TFC),Bank of America (BAC),Wells Fargo (WFC)
- Competitors: Rocket Mortgage,UWM,Wells Fargo (WFC),Truist (TFC)
- Mortgage Lending: Provides mortgage loans for home purchases and refinances. The mortgage market is highly competitive. Competitors include Rocket Mortgage, UWM and numerous other regional and national banks. Revenue numbers are not reported as stand alone.
- Competitors: Bank of America (BAC),Truist (TFC),Wells Fargo (WFC),PNC (PNC)
- Deposit Accounts: Offers various deposit account options for retail and commercial clients. Competitors include most banks, but SouthState competes on service and local presence. No revenue details.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, regulatory scrutiny, and changing customer preferences with the rise of fintech.
Positioning
SouthState Corporation is a strong regional bank in the Southeast, known for its customer service and community involvement. They compete with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is estimated to be several hundred billion dollars. SouthState is positioned to capture a portion of this market through its regional presence and comprehensive service offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Customer-focused service model
- Diversified revenue streams
- Experienced management team
Weaknesses
- Smaller scale compared to national banks
- Exposure to regional economic fluctuations
- Limited international presence
- Higher efficiency ratio vs. peers
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Acquisition of smaller community banks
- Growing wealth management business
Threats
- Increased competition from national banks and fintech companies
- Rising interest rates
- Economic downturn in the Southeast
- Regulatory changes
Competitors and Market Share
Key Competitors
- TFC
- FITB
- PBCT
- CMA
Competitive Landscape
SouthState Corporation benefits from its regional focus and customer service, but faces competition from larger national banks with more resources.
Major Acquisitions
Atlantic Capital Bancshares
- Year: 2021
- Acquisition Price (USD millions): 542
- Strategic Rationale: Expanded SouthState's presence in the Atlanta market.
Growth Trajectory and Initiatives
Historical Growth: SouthState Corporation has experienced consistent growth through acquisitions and organic expansion.
Future Projections: Future growth is expected to be driven by continued expansion in the Southeast and increased adoption of digital banking services. Analyst estimates vary.
Recent Initiatives: Recent initiatives include the acquisition of smaller banks and investments in digital banking technology.
Summary
SouthState is a financially stable regional bank with a good track record. It excels at customer service and has shown great growth over the years. However, it's small scale compared to national banks might limit its potential. Southstate will need to be careful about its economic exposure to the southeast region.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SouthState Corporation Investor Relations
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Real time data would be required to properly represent current numbers.
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 6306 | Website https://www.southstatebank.com |
Full time employees 6306 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.