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Upturn AI SWOT - About
SSB 
SouthState Corporation (SSB)
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Upturn Advisory Summary
10/15/2025: SSB (2-star) is a SELL. SELL since 3 days. Simulated Profits (-1.09%). Updated daily EoD!
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 $118.35
1 Year Target Price $118.35
| 6 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 15% | Avg. Invested days 61 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.01B USD | Price to earnings Ratio 14.7 | 1Y Target Price 118.35 |
Price to earnings Ratio 14.7 | 1Y Target Price 118.35 | ||
Volume (30-day avg) 11 | Beta 0.67 | 52 Weeks Range 76.77 - 112.27 | Updated Date 10/15/2025 |
52 Weeks Range 76.77 - 112.27 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 2.25% | Basic EPS (TTM) 6.73 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 2.19 | Actual - |
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 14.7 | Forward PE 10.26 | Enterprise Value 9321918464 | Price to Sales(TTM) 4.85 |
Enterprise Value 9321918464 | Price to Sales(TTM) 4.85 | ||
Enterprise Value to Revenue 5.19 | Enterprise Value to EBITDA - | Shares Outstanding 101208988 | Shares Floating 99802183 |
Shares Outstanding 101208988 | Shares Floating 99802183 | ||
Percent Insiders 1.15 | Percent Institutions 86.33 |
Upturn AI SWOT
SouthState Corporation
Company Overview
History and Background
SouthState Corporation traces its roots back to 1933 with the founding of South Carolina Bank & Trust. Through a series of mergers and acquisitions, it has grown into a leading regional bank in the Southeast.
Core Business Areas
- Commercial Banking: Provides a range of financial services to businesses, including loans, deposit accounts, and treasury management.
- Retail Banking: Offers banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
John C. Corbett is the CEO. The organizational structure consists of various departments and regions, overseen by an executive management team and a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Competitors include Truist, Regions, and other regional banks. Data on specific loan market share is not publicly available.
- Mortgages: Residential mortgage loans for home purchases and refinancing. Competitors include Wells Fargo, Bank of America, and Quicken Loans. Data on specific mortgage market share is not publicly available.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include Chase, Bank of America, and local credit unions. Data on deposit market share is not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and growing competition from fintech companies.
Positioning
SouthState Corporation is positioned as a leading regional bank in the Southeast, focusing on relationship banking and community involvement. It has competitive advantages due to its strong local presence.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated to be in the hundreds of billions of dollars. SouthState is positioned to capture a portion of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Strong balance sheet
- Relationship-focused banking model
Weaknesses
- Limited geographic diversification
- Dependence on interest rate environment
- Competition from larger national banks and fintech companies
Opportunities
- Expansion into new markets within the Southeast
- Acquisition of smaller banks and credit unions
- Increased adoption of digital banking technologies
- Growth in wealth management services
Threats
- Economic downturn in the Southeast
- Rising interest rates
- Increased regulatory scrutiny
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TRST
- RF
- FITB
Competitive Landscape
SouthState competes with larger national banks, other regional banks, and fintech companies. Its advantages include its strong local presence and relationship-focused banking model. Its disadvantages include its limited geographic diversification and dependence on interest rate environment.
Major Acquisitions
Atlantic Capital Bancshares, Inc.
- Year: 2020
- Acquisition Price (USD millions): 542
- Strategic Rationale: Expanded presence in Atlanta and other key markets.
Growth Trajectory and Initiatives
Historical Growth: SouthState has experienced steady growth through organic expansion and acquisitions.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by expansion into new markets and increased efficiency.
Recent Initiatives: Recent initiatives include investments in digital banking technologies and expansion into new markets.
Summary
SouthState Corporation is a strong regional bank with a solid foundation in the Southeast. It benefits from its relationship-focused banking model and experienced management team. The company needs to be mindful of economic downturns, rising interest rates, and increasing competition. Strategic initiatives, such as embracing digital banking, can further fortify its position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- Third Party Financial Data Providers (e.g., FactSet, Bloomberg)
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Financial data requires updating with recent financials.
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 | |
Full time employees 6306 | |||
SouthState Bank 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 SouthState Corporation and changed its name to SouthState Bank Corporation in September 2025. SouthState Bank Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.
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