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.
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 $10.20B). 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.
Within the Financials sector (Major Banks), SSB carries a Roarable C- (60/100 RQD), trailing P/E of 12.9x, gross margin of —, 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 $10.21B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±4.2% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
Capital intensity & 0% operating margin leave 15 pts on the table
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($103.55) or 200D SMA ($100.35) invalidates the momentum regime and cuts Target Base ($107.97) toward Bear Floor ($84.22).
SouthState Bank Corporation (SSB) advanced +1.75% to $107.01, trading at 81% of its 52-week range ($84.48 – $112.2). Solid steady margins (3% return on capital), mixed timing at 13x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Get a weekly dividend summary for Champions, Contenders, and Challengers.
Net charge-offs stayed below 10 basis points for nine of the last ten quarters, signaling durable credit discipline through market cycles.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +49.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on SSB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for SSB. Explore sector supply chains on /butterfly.
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 #183 by equity capitalization ($10.20B). 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 — 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 | — | 3.0% | +1.75% | $10.20B | Benchmark Subject |
| UMBF UMB Financial Corporation | C+ | 67/100 | 14.7x | — | 2.5% | +2.22% | $10.21B | /umbf-vs-ssb → |
| WTFC Wintrust Financial Corporation | B- | 70/100 | 12.6x | — | 3.1% | +3.29% | $10.28B | /wtfc-vs-ssb → |
| BPOP Popular Inc. | C+ | 67/100 | 12.1x | — | 3.1% | +1.50% | $9.99B | /bpop-vs-ssb → |
| CFR Cullen/Frost Bankers Inc. | C- | 60/100 | 15.1x | — | 3.4% | +1.71% | $9.80B | /cfr-vs-ssb → |
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 |
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 $10.20B). 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.
Within the Financials sector (Major Banks), SSB carries a Roarable C- (60/100 RQD), trailing P/E of 12.9x, gross margin of —, 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 $10.21B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).
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.
SSB last traded at $107.01 (+1.75% on volume of 1,286,643 shares), positioning the stock +3.34% above its 50-day simple moving average ($103.55) and +6.64% above its 200-day simple moving average ($100.35). Across its 52-week range of $84.48 to $112.20, SSB sits at the 81.3% percentile with a 14-day RSI of 56.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($102.52 to $111.50).
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 $10.20B).
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.
Operating in Major Banks (Financials), SSB carries a macro regime beta of 1.04 and gross margin of —.
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Yahoo Finance report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.
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.
@CreditSpread_Watch Shorting a 15/20 institutional whale-flow stock at $105.17 is dangerous when funds are rotating into Financials.
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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