SouthState
Regional bank pairing branch banking with nationwide correspondent services.
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Profile
Operates a single-segment regional bank offering deposits, lending, mortgage banking, wealth management, trust, brokerage, payments, and treasury services across eight US states. Deposit funding and credit quality underpin the model, while acquisitions have shaped a footprint spanning the Southeast, Texas, and Colorado and a correspondent banking business serving clients nationwide.
Runs a single-segment regional banking franchise across the Southeast, Texas, and Colorado. Deposits fund consumer and business lending, agriculture and real-estate-secured credit, mortgage banking, wealth management, trust, brokerage, payments, and treasury services.
Extends beyond branch markets through a nationwide correspondent banking division. A banker-led operating model places decisions close to customers, while repeated bank combinations have expanded geography and customer relationships.
Depends on credit quality, deposit funding, customer relationships, and successful integration of acquired banks. Banking and finance remain the sole reported operating segment, and the current footprint reflects the addition of Texas and Colorado.
Company facts
Categories
Key statistics
Year to date +12.5% · Average volume (30d) 815.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 28, 2026 | Truist Financial | Target | $108 | $118 | ||
| Jul 27, 2026 | Stephens | Reiterate | Overweight | $120 | $116 | |
| Jul 27, 2026 | Piper Sandler | Reiterate | Overweight | $120 | $125 | |
| Jul 24, 2026 | Piper Sandler | Reiterate | Overweight | $118 | $120 | |
| Jul 7, 2026 | Barclays | Reiterate | Overweight | $123 | $118 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $2.31 | $2.35 | +1.7% | $676.8M | $672.7M | −0.6% | +4.69% |
| Apr 23, 2026Q1 FY26 | $2.21 | $2.28 | +3.2% | $669.3M | $661.7M | −1.1% | −3.29% |
| Jan 22, 2026Q4 FY25 | $2.30 | $2.47 | +7.4% | $667.8M | $686.9M | +2.9% | −0.37% |
| Oct 22, 2025Q3 FY25 | $2.11 | $2.58 | +22.3% | $663.8M | $698.8M | +5.3% | −4.21% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $894.7M | $927.3M | $980.8M | $954.5M | $916.9M | $395.4M | |
| Gross profit | $530.1M | $657.3M | $693.7M | $686.9M | $650.9M | $129.4M | |
| Operating income | $121.2M | $282.2M | $321.4M | $322.0M | $291.4M | −$94.5M | |
| Net income | $89.1M | $215.2M | $246.6M | $247.7M | $225.8M | $230.0M | |
| Diluted EPS | $0.87 | $2.11 | $2.42 | $2.46 | $2.28 | $2.36 | |
| Gross margin | 59.2% | 70.9% | 70.7% | 72.0% | 71.0% | 32.7% | |
| Operating margin | 13.6% | 30.4% | 32.8% | 33.7% | 31.8% | -23.9% |
Fiscal years (4-quarter sums)FY21 $1.42B · FY22 $1.67B · FY23 $2.19B · FY24 $2.39B · FY25 $3.76B
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $7.25B · Total debt $1.57B · Total assets $68.91B · Shareholders' equity $9.13B
Dividends
Raised for 27 straight years — most recently to $0.66 from $0.60 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 7, 2026 | Aug 7 | Aug 14 | $0.66 | raised from $0.60 |
| May 8, 2026 | May 8 | May 15 | $0.60 | |
| Feb 6, 2026 | Feb 6 | Feb 13 | $0.60 | |
| Nov 7, 2025 | Nov 7 | Nov 14 | $0.60 | |
| Aug 8, 2025 | Aug 8 | Aug 15 | $0.60 | raised from $0.54 |
| May 9, 2025 | May 9 | May 16 | $0.54 | |
| Feb 7, 2025 | Feb 7 | Feb 14 | $0.54 | |
| Nov 8, 2024 | Nov 8 | Nov 15 | $0.54 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 96.97M · Float 95.77M · 98.8% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 9.83M | 10.13% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 6.34M | 6.54% | 13F | Aug 13, 2026 |
| Dimensional Fund Advisors LP | 5.10M | 5.26% | 13F | Aug 11, 2026 |
| Vanguard Capital Management LLC | 4.42M | 4.56% | 13F | Aug 13, 2026 |
| State Street Corp | 3.86M | 3.98% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 19, 2026 | William E. V. Matthews | officer: Chief Financial Officer | −4,000 | $108.93 |
| Aug 5, 2026 | David R. Brooks | director | −24,650 | $110.00 |
| Aug 3, 2026 | David R. Brooks | director | −6,181 | $107.92 |
| Apr 28, 2026 | David R. Brooks | director | −14,300 | $98.39 |
| Feb 18, 2026 | Richard Iv Murray | officer: President | −10,156 | $104.76 |
Peers
- Truist Financial
Super-regional overlap across Southeast banking and wealth
- Pinnacle Financial Partners
Regional overlap across the Southeast and Atlantic Coast
- Regions Financial
Broad branch and commercial overlap across Southern markets
- First Horizon
Southern banking overlap in deposits, credit, and wealth
- Huntington Bancshares
Texas and Southern overlap inherited through Cadence
- Fifth Third
Growing Southeast overlap in retail and commercial banking
- Prosperity Bancshares
Texas overlap in deposits, mortgages, and treasury services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| Regions Financial | $30.33 | +0.02% | $25.88B | 12.4 | 11.1 | 2.7 | +2.2% |
| First Horizon | $24.65 | +0.02% | $11.70B | 11.8 | 11.3 | 2.5 | +9.9% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| Prosperity Bancshares | $72.30 | +0.01% | $8.69B | 12.5 | 10.8 | 4.9 | +25.9% |
| Median | 12.4 | 10.8 | 2.7 | +25.9% |