SouthState Bank Corporation research snapshot
SSB AI stock analysis currently reads SouthState Bank Corporation as a stronger regional bank franchise after its second quarter 2026 beat. At the July 31, 2026 close of $105.09, market cap is about $10.19 billion, the AI score is 76/100, and the chart is constructive because price is above the 50-day average near $99.02 and the 200-day average near $96.26. Q2 2026 net income was $230 million, diluted EPS was $2.35, NIM held at 3.78%, net charge-offs were 0.06% annualized, and tangible book value per share reached $58.72, up 13% year over year. The board also raised the quarterly dividend from $0.60 to $0.66. The SSB AI stock forecast therefore depends on loan and deposit growth, net interest margin, credit losses, deposit costs, capital returns, and the multiple investors assign to regional banks. This page uses public data through August 2, 2026 for information only and is not investment advice.
Current price
$105.09
Market cap
$10.19 billion verified market cap
AI score
76 / 100
Rating
Well-run regional bank with a strong Q2 2026 beat, stable margin, low charge-offs, and growing tangible book value
Trend status
Constructive, above the 50-day and 200-day moving averages with neutral-bullish RSI near 60
Data cutoff (updated monthly)
August 4, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | SouthState earns spread income and fees from consumer, commercial, mortgage, wealth, payments, and correspondent banking relationships across a growing multi-state footprint, with Q2 2026 ROAA of 1.36% and ROTCE of 17.6%. | High |
| Moat | Local market relationships, granular deposits, banker talent, correspondent scale, underwriting history, and regulatory licenses create a useful moat, but customers can still compare rates and credit terms. | Medium-high |
| Management | John Corbett and the team have used acquisitions, organic banker recruitment, dividends, and buybacks to grow scale. Q2 2026 showed a dividend increase to $0.66, repurchases of 1 million shares at an average of $97.62, and unchanged guidance. | Medium-high |
| Financial trend | Q2 2026 net income was $230 million and diluted EPS was $2.35, up 11% year over year, while NIM held at 3.78%, net charge-offs were 0.06% annualized, loans grew 8% year over year, and tangible book value per share rose 13% to $58.72. | High |
| Valuation | At $105.09, SSB trades near 11.03x TTM EPS, 1.12x book value, 1.79x tangible book value, and a 2.51% annualized dividend yield, with a consensus analyst target near $119.21. | High |
| Technical trend | Price is above the 50-day average near $99.02 and 200-day average near $96.26, while RSI near 60.76 is neutral-bullish rather than overbought. | Medium-high |
| Risk level | The main risks are credit losses, commercial real estate weakness, deposit pricing, net interest margin compression, the run-off of acquired-loan accretion, the loan-to-deposit ratio near 90%, capital requirements, and regional bank multiple compression. | High |
| AI confidence | Descriptive confidence is high because public filings and financial tables are detailed and cross-checked. Return confidence is lower because a leveraged bank equity depends on macro and credit conditions. | High data confidence |
| Investment certainty | SouthState is a credible regional bank, but the current price requires continued book value growth, controlled losses, stable deposits, and a successful integration to support further upside. | Medium |
SSB AI stock forecast
The SSB AI stock forecast uses scenarios rather than a single price promise. With the $105.09 price reference, TTM EPS of $9.53, three-year EPS growth assumptions of 10%, 7%, and negative 3%, and target PE multiples of 12.5x, 10.5x, and 8.5x, the financial_rigor.py model produced mechanical values near $158.6, $122.6, and $73.9 before dividends. Management guidance for a stable 3.75% to 3.80% NIM through 2027 and the consensus 3-year EPS growth forecast near 7.3% support the base case, while the range reflects the sensitivity of bank earnings to NIM, credit costs, deposits, capital, and the regional-bank valuation multiple.
$150 to $170 before dividends
More likely if loans and deposits keep growing in the mid to high single digits without aggressive funding costs, NIM stays near the 3.75% to 3.80% guidance, charge-offs remain near 6 to 10 basis points, accretion runs off into core repricing, and investors assign SSB a 12x to 13x earnings multiple.
$112 to $130 before dividends
More likely if EPS grows in the mid-single to high-single digits, deposit costs stay contained near 1.76%, credit remains manageable, tangible book value compounds, and the stock holds a roughly 10.5x to 11x regional-bank earnings multiple, consistent with the analyst consensus target near $119.
$65 to $80 before dividends
More likely if commercial real estate or consumer credit losses rise, deposits become expensive or leave, NIM compresses below guidance, accretion runs off faster than core repricing, capital returns slow, or the market assigns a stressed 8x or lower earnings multiple.
SSB AI technical analysis
SSB AI technical analysis is constructive as of the August 2, 2026 data cutoff. StockAnalysis listed a July 31, 2026 close of $105.09, a 50-day moving average near $99.02, a 200-day moving average near $96.26, RSI near 60.76, and 20-day average volume near 825,634 shares. The price sits above both trend averages near the upper end of its 52-week range, so the next earnings report and volume behavior will decide whether the breakout continues.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $105.09 | StockAnalysis listed the July 31, 2026 regular-session close used for this static page and market-cap verification. |
| Immediate support | $99 to $101 | This zone brackets the 50-day moving average near $99.02 and is the first test of the short-term uptrend. |
| Deeper support | $96 to $97 | This range overlaps the 200-day moving average near $96.26 and marks the larger trend support area. |
| Near resistance | $108 to $109 | This zone is close to the reported 52-week high near $108.46 and would need volume and earnings confirmation to break cleanly. |
| Major resistance | $110 to $113 | Above the 52-week high, the next supply area is the round-number zone near $110 to $113, which would require continued margin, credit, and growth evidence. |
| Moving averages | 50-day near $99.02 and 200-day near $96.26 | Price above both averages supports a constructive trend, while a loss of the 200-day average would weaken the intermediate setup. |
| Momentum | RSI near 60.76 | RSI is neutral-bullish, so the chart is not deeply oversold or stretched. A new directional signal needs price and volume confirmation. |
| Volume | 20-day average near 825,634 shares | Volume should be watched around the next quarterly report in late October 2026 because bank stocks can gap on NIM, deposits, and credit guidance. |
| Volatility | Beta near 0.70 and 52-week change near +9.56% | The lower beta does not remove gap risk. Rates, credit events, and regional-bank sentiment can still move SSB quickly. |
| Invalidation | Sustained close below $96.26 | A break below the 200-day average would weaken the trend thesis, especially if it occurs with higher credit costs, deposit pressure, or lower guidance. |
SSB AI trading strategy
The SSB AI trading strategy below is a rules-based research framework, not personalized advice. It connects chart levels with NIM, deposits, loan growth, credit quality, tangible book value, capital, and the stable guidance management repeated in Q2 2026. Any decision should use live data and a predefined risk limit.
Watch for SSB to hold the $99 to $101 support zone and close above $108 to $109 with stronger volume, while earnings confirm a stable 3.75% to 3.80% NIM, contained deposit costs, loan growth in the mid to high single digits, and low charge-offs.
A failed breakout followed by a sustained close below $96.26 should reduce trend confidence, especially if net charge-offs or provision guidance rises.
A pullback toward $96 to $101 can be evaluated against book value near $94.17, tangible book value near $58.72, CET1 near 11.1%, deposit trends, and the quality of the loan book.
Do not treat a lower price as attractive if commercial real estate stress, nonperforming assets, deposit outflows, NIM compression, or the loan-to-deposit ratio near 90% worsen at the same time.
Track net interest income, NIM against the 3.75% to 3.80% guidance, loan and deposit growth, net charge-offs, allowance coverage, nonperforming assets, CET1, TBVPS, buybacks, dividend coverage, and the crossover between acquired-loan accretion and core deposit intangible amortization.
Position sizing should reflect that SSB is a leveraged bank with credit and funding exposure. Recheck the thesis after each quarterly report instead of treating book value as a permanent price floor.
Investment research summary
Customers pay SouthState for safe deposits, payments, treasury management, consumer and commercial lending, mortgages, wealth management, and correspondent banking services. In one line, this is a relationship-driven bank that turns local deposits and credit judgment into spread income and fee income across a growing regional footprint.
The moat comes from local market relationships, granular deposits, banker talent, customer switching friction, underwriting history, branch and digital access, correspondent scale, and regulatory licenses. It is meaningful but not absolute because banks compete on rates, service, technology, and credit terms.
The thesis fails if credit losses rise, deposit costs keep climbing, NIM compresses below the 3.75% to 3.80% guidance, acquired-loan accretion runs off faster than core loan repricing replaces it, the loan-to-deposit ratio climbs above management comfort near 92%, or investors decide a larger balance sheet does not deserve the current regional-bank multiple.
John Corbett has led SouthState since 2020 and has used acquisitions, local banker recruitment, dividends, and buybacks to expand the franchise. In Q2 2026 the company repurchased 1 million shares at an average of $97.62, raised the quarterly dividend from $0.60 to $0.66, and kept a 40% to 60% capital return framework. The main management test is whether growth stays disciplined as the balance sheet expands.
SouthState participates in long-term population and business growth across the Southeast, Texas, and Colorado, while regional-bank consolidation can improve scale. This is a mature financial industry rather than a technology paradigm shift, so the long-run advantage comes from market selection, low-cost deposits, credit culture, and disciplined capital allocation.
At about 11.03x TTM EPS and 1.12x book value, the price is not demanding compared with many growth sectors, but bank valuation is a claim on future credit-adjusted earnings and capital. Margin of safety improves if tangible book value grows and losses remain low. It weakens if the market must reprice the stock toward stressed book value or a single-digit PE.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| SSB price and market cap | $105.09 July 31, 2026 close and $10.19 billion reported market cap; $105.09 x 96.97 million shares matched the reported cap with 0.01% deviation | StockAnalysis and financial_rigor.py | August 2, 2026 |
| Shares outstanding | 96.97 million shares in the market-data snapshot; SEC Q2 2026 10-Q reported 96,971,142 shares as of June 30, 2026, a difference of about 0.00% | StockAnalysis and SouthState Q2 2026 Form 10-Q | August 2, 2026 |
| Q2 2026 operating results | $230 million net income, $2.35 diluted EPS (up 11% year over year), $576 million net interest income, $97 million noninterest income, 3.78% NIM, 50% efficiency ratio, and 0.06% annualized net charge-offs | SouthState Q2 2026 earnings release | August 2, 2026 |
| Q2 2026 balance sheet and capital | $68.910 billion total assets, $56.350 billion total deposits, $2.350 billion cash and cash equivalents, $58.72 TBVPS, 11.1% CET1, 9.4% Tier 1 leverage, and 13.5% total risk-based capital | SouthState Q2 2026 earnings release and Form 10-Q | August 2, 2026 |
| FY2025 earnings | $798.7 million net income and $7.87 diluted EPS, up from $534.8 million and $6.97 in 2024 | SouthState 2025 Form 10-K and Macrotrends | August 2, 2026 |
| Valuation ratios | PE 11.03x, PB 1.12x, P/TBV 1.79x, ROE 10.12% on the selected EPS and book-value inputs, P/FCF 15.62x, FCF yield 6.40%, and dividend yield 2.51% | StockAnalysis and financial_rigor.py | August 2, 2026 |
| Dividend and capital return | $0.66 quarterly dividend (raised from $0.60), $2.64 annualized dividend, 2.51% yield at $105.09, and Q2 2026 repurchases of 1 million shares at a weighted average of $97.62 | SouthState Q2 2026 earnings release, Q2 2026 earnings call, and StockAnalysis | August 2, 2026 |
| Guidance | NIM guidance of 3.75% to 3.80% through 2027 under flat rates, 2026 noninterest expense growth of about 4%, mid to high single-digit loan growth, and a 40% to 60% total payout ratio framework | SouthState Q2 2026 earnings call transcript | August 2, 2026 |
| Technical data | 50-day moving average near $99.02, 200-day moving average near $96.26, RSI near 60.76, 20-day average volume near 825,634 shares, beta near 0.70, 52-week price change near +9.56%, and 52-week range of $84.48 to $108.46 | StockAnalysis price and statistics snapshot | August 2, 2026 |
| Analyst consensus | Average analyst price target near $119.21 with a Buy rating from 14 analysts, a 3-year revenue growth forecast of 5.20%, and a 3-year EPS growth forecast of 7.30% | StockAnalysis analyst forecast page | August 2, 2026 |
| Independent Bank Group acquisition | Stock acquisition completed January 1, 2025, adding scale in Texas and Colorado; about $185.9 million of acquired-loan discount remains to be accreted, and integration and acquired-loan credit performance remain important thesis variables | SouthState Q2 2026 earnings release and investor relations profile | August 2, 2026 |
This SSB AI stock analysis is an informational research tool only. It is not investment advice, financial planning, tax advice, or a recommendation to buy or sell SouthState Bank Corporation. Forecast scenarios are based on available public data as of the stated cutoff date and can be wrong if rates, deposits, credit losses, NIM, capital requirements, merger integration, valuation multiples, or market conditions change.
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