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SouthState Bank Corporation (SSB) Dividend Safety Gauge & 10-Year DRIP Compounder

$107.01 +1.75% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $107.14

SouthState Bank Corporation (SSB) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- β€’ HOLD / WATCH Cap $10.35B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SSB Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is SSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, SouthState Bank Corporation (NYSE: SSB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $107.01 (+1.75% 1D, market cap $10.35B). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, SSB ranks #384 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does SSB compare to UMBF and BPOP in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), SSB carries a Roarable C- (60/100 RQD), trailing P/E of 12.9x, gross margin of β€”, and ROIC of 3.0%. By comparison, UMBF (UMB Financial Corporation) holds a C+ grade (67/100 RQD, P/E 14.7x, ROIC 2.5%, cap $10.44B) and BPOP (Popular Inc.) posts a C+ grade (67/100 RQD, P/E 12.1x, ROIC 3.1%, cap $10.14B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SSB?
β–Ό

Per SSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000764038), SouthState Bank Corporation generated $2.64B in revenue (+49.3% YoY), $798.7M in net income, and $230.6M in free cash flow against $67.20B in total assets and $26.16B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $107.15 (+0.13%)🧬 Cannibal Buyback (-1.80% YoY Shares)βš™οΈ Cash Engine: 5/20 (E) β€’ 8.7% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY β€’ 53.5% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510060
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ Β· Rk C
Cash (5)Whales (15)SEC (15)Macro (11)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$127 Bull$108 Base$84 Bear
πŸ“¬ FREE SSB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for SSB)Realized 20D OHLCV Swing Band: Β±4.1%
Deterministic 5-Pillar Attribution (60/100 Composite)
πŸ” WHY SSB SCORES 60/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (Β±4.1% realized swing band)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 7/9

β–Ό #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 0% operating margin leave 15 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
52
Grade C-$101.29+3.9% Next Q
Q2 (-2Q)
55
Grade C$105.22+0.8% Next Q
Q3 (-1Q)
57
Grade C$106.10+0.9% Next Q
Current
60
Grade C-$107.01+0.4% Hist 90D Ξ±
Trajectory: C- (52) β†’ C- (60)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the SSB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 60/100 (C-) score, SSB faces multiple-compression risk if 12.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) β€” any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($103.56) or 200D SMA ($100.38) invalidates the momentum regime and cuts Target Base ($107.97) toward Bear Floor ($84.22).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SSBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œSSB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
4.05% Total Yield
2.25% Cash ($2.41/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
68/100 β€’ SAFE COVERAGE
FREE CASH FLOW PAYOUT RATIO
65.3% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (16.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $47,253

Est. Year-10 Shareholder Yield: $1,914/yr
$11.7K
Yr 1
$13.6K
Yr 2
$15.9K
Yr 3
$18.6K
Yr 4
$21.7K
Yr 5
$25.4K
Yr 6
$29.7K
Yr 7
$34.6K
Yr 8
$40.5K
Yr 9
$47.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in SSB & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on SSB and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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SSB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.91%⚑ TESTING RESISTANCE
2026-11-04O $105.2H $107.0L $105.2C $107.0VOL 1.29M
RES: $107.6SUP: $99.06SMA50: $103.6SMA200: $100.4
$113.7$107.6$101.5$95.34$89.23RES $107.6SUP $99.06$107.02026-05-052026-06-222026-08-062026-09-222026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SSB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ SSB Butterfly Map β†’ + Track SSB β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
4.0%/yr Implied 5Y Growth

vs. +49.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on SSB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for SSB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SSB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SSB)

Financials Rank #384 of 1097 βš”οΈ UMBF vs SSB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (SSB vs. UMBF, BPOP, WTFC, CFR)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, SouthState Bank Corporation (SSB) ranks #384 by composite RQD confidence (60/100, grade C-) and #184 by equity capitalization ($10.35B). Within this direct 5-issuer industry benchmark cohort, BPOP leads on earnings valuation at 12.1x trailing P/E, while CFR leads on capital efficiency and profitability with 3.4% ROIC and β€” gross margin. WTFC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with SSB at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SSB ACTIVE
SouthState Bank Corporation
C- 60/100 12.9x β€” 3.0% +1.75% $10.35B Benchmark Subject
UMBF
UMB Financial Corporation
C+ 67/100 14.7x β€” 2.5% +2.22% $10.44B /umbf-vs-ssb β†’
BPOP
Popular Inc.
C+ 67/100 12.1x β€” 3.1% +1.50% $10.14B /bpop-vs-ssb β†’
WTFC
Wintrust Financial Corporation
B- 70/100 12.6x β€” 3.1% +3.29% $10.62B /wtfc-vs-ssb β†’
CFR
Cullen/Frost Bankers Inc.
C- 60/100 15.1x β€” 3.4% +1.71% $9.97B /cfr-vs-ssb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000764038 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), SouthState Bank Corporation (SSB) reported GAAP revenue of $2.64B (+49.3% vs. FY2024 revenue of $1.77B , and +61.6% cumulative change since FY2023) , GAAP net income of $798.7M, operating cash flow of $300.8M, and free cash flow of $230.6M (-51.6% YoY). On the balance sheet, SSB closed FY2025 with $67.20B in total assets against $26.16B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.64B $798.7M $300.8M $230.6M $67.20B $26.16B
FY2024 (FY) 2024-12-31 $1.77B $534.8M $512.0M $476.2M $46.38B $18.22B
FY2023 (FY) 2023-12-31 $1.63B $494.3M $546.8M $546.8M $5.66B $1.32B

3. SSB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, SouthState Bank Corporation (NYSE: SSB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $107.01 (+1.75% 1D, market cap $10.35B). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, SSB ranks #384 in composite RQD confidence.

How does SSB compare to UMBF and BPOP in the Financials sector?

Within the Financials sector (Major Banks), SSB carries a Roarable C- (60/100 RQD), trailing P/E of 12.9x, gross margin of β€”, and ROIC of 3.0%. By comparison, UMBF (UMB Financial Corporation) holds a C+ grade (67/100 RQD, P/E 14.7x, ROIC 2.5%, cap $10.44B) and BPOP (Popular Inc.) posts a C+ grade (67/100 RQD, P/E 12.1x, ROIC 3.1%, cap $10.14B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SSB?

Per SSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000764038), SouthState Bank Corporation generated $2.64B in revenue (+49.3% YoY), $798.7M in net income, and $230.6M in free cash flow against $67.20B in total assets and $26.16B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SSB trading relative to its 50-day, 200-day, and 52-week technical levels?

SSB last traded at $107.01 (+1.75% on volume of 1,286,643 shares), positioning the stock +3.33% above its 50-day simple moving average ($103.56) and +6.60% above its 200-day simple moving average ($100.38). Across its 52-week range of $84.48 to $112.20, SSB sits at the 81.3% percentile with a 14-day RSI of 62.6 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.1% ($102.62 to $111.40).

Direct Sub-Reports: SSB RQD Cockpit SSB 12M Forecast SSB Earnings & Move SSB Dividends & DRIP SSB Insiders & 13F SSB Whale Options SSB Profit Sankey SSB News & Why
ROARABLE RATING BRIEF β€’ RQD 60/100 (C-) βœ“ SEC XBRL & RQD VERIFIED

SSB β€” SouthState Bank Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

SouthState Bank Corporation (SSB) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $107.01 (+1.75% 1D, market capitalization $10.35B).

  • Fundamental Cash Engine (5/20): Anchored by return on invested capital (ROIC) of 3.0%, gross margin of β€”, operating margin of 33.8%, and free cash flow yield of 2.24%.
  • Whale 13F & Options Flow (15/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 1.04x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

SouthState Bank Corporation is a NYSE-listed issuer in the Financials sector, classified under the Major Banks industry. The profile designates it as a bank holding entity with a market capitalization of $10.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), SouthState Bank Corporation (SSB) reported $2.64B in annual revenue (up from $1.77B in FY2024, +49.3% YoY) and $798.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.63B revenue, $494.3M net income) through FY2025, SSB scaled operating cash flow to $300.8M and free cash flow to $230.6M, backed by $67.20B in total assets against $26.16B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C- β€’ RQD 60/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 5/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $84.48 – $112.20 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.9x trailing P/E and 25.8x EV/EBITDA against 33.8% operating margins and a 1.04x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), SSB carries a macro regime beta of 1.04 and gross margin of β€”.

  • Key Question #1: Can SSB sustain or expand its 33.8% operating margin and 3.0% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.64B and free cash flow of $230.6M, how will capital allocation balance growth reinvestment against $26.16B in total debt?
  • Key Question #3: How sensitive is SSB's 10.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.04x)?

SSB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for SouthState Bank Corporation (SSB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to SSB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SSB Bull vs. Bear Conversation Board β€” What's Your Call at $107.01?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SSB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SSB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER β€’ Swing & Catalyst Trader πŸ‚ BULLISH 🎯 Target: $128.31 (+22.0%)
πŸ“Œ Pinned Debate

Forward P/E of 10.8 sits below trailing P/E of 12.9 alongside a Piotroski F-Score of 7/9, pointing to expected earnings growth on a fin

Picked up a starter position in SSB in my $100K Virtual Cash book at $105.17. Forward P/E of 10.8 sits below trailing P/E of 12.9 alongside a Piotroski F-Score of 7/9, pointing to expected earnings growth on a financially sound balance sheet.. Trading inside a $84.48–$112.20 52-week range with 2.24% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

RetailWhale_TX πŸ‚ BULL

@CreditSpread_Watch Shorting a 15/20 institutional whale-flow stock at $105.17 is dangerous when funds are rotating into Financials.

CR CreditSpread_Watch RQD DEBATE OPENER β€’ Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $88.34 (-16.0%)
Spot @ $105.17

ROIC of 3% and a 2.24% FCF yield leave the Fundamental Cash Engine pillar at 5 of 20, while EV/EBITDA of 25.8 looks elevated against th

Careful chasing SSB at $105.17. ROIC of 3% and a 2.24% FCF yield leave the Fundamental Cash Engine pillar at 5 of 20, while EV/EBITDA of 25.8 looks elevated against the earnings multiples.. Gross margin is 0.0%, but operating margin is 33.8%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $88.34 on multiple compression.

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