Analyst Consensus ?
ConsensusBuy20 ratings
Bullish1470.0%
Neutral630.0%
Bearish00.0%
SouthState Bank Corp. · SSB · FY2025 Q3 · Calendar Q4 2025
SouthState posts strong Q3 growth while credit and margin risks remain
The quarter supports a constructive operating picture: earnings and loan production grew, capital remained strong, and management maintained margin guidance. The counterweight is that rate sensitivity, deposit costs and a significant loan charge-off leave the durability of that trajectory dependent on execution and credit performance.
Reported After market closeNYSEFinancial Services
$10.20B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$2.58
Consensus $2.11
EPS surprise
+22.3%
Reported versus consensus
Reported revenue
$698.8M
Consensus $663.8M
Revenue surprise
+5.3%
Reported versus consensus
Market reaction
event-close to next-session close
Stock move
-4.2%
Event window
SPY move
+0.6%
Same window
Abnormal move
-4.8%
Stock minus SPY
Volume
3.0×
Versus trailing sessions
Subsequent drift
-4.6%
Up to 20 sessions
SSBSPY benchmark
Ask FN2 about SSB FY2025 Q3
Transcript, numbers and history already loaded
Why did SSB fall 4.2% after beating EPS estimates in FY2025 Q3?What changed in SSB's guidance and outlook in FY2025 Q3?Give me the bull and bear case for SSB after FY2025 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Compared with the prior quarter, the supplied analysis shows stronger reported momentum: EPS increased 30% year over year, loan production rose to $3.4 billion, and Texas pipeline activity expanded. The current quarter also introduced a $21 million one-time loan charge-off and a revised deposit-beta expectation of 27%-30%, while 2026 margin guidance remained 3.80%-3.90%.
Guidance delta
Management maintained 2026 net interest margin guidance of 3.80%-3.90%, while noting rate-cut and funding-cost risks.
Key takeaways
- EPS rose 30% year over year to $2.58, according to the supplied analysis.
- Loan production reached $3.4 billion, with the Texas pipeline expanding to $1.2 billion.
- CET1 capital was 11.5% and tangible book value per share increased to $54.48.
- A $21 million one-time loan charge-off linked to First Brands supply-chain finance was a notable offset.
- Management plans to use excess capital for buybacks and accelerated hiring, subject to capital conditions.
Management priorities
- Target average earning assets of $61-$62 billion in 2026
- Continue organic expansion through hiring and pipeline development
- Implement a new incentive structure for IBTX bankers in 2026
- Deploy share buybacks as capital permits
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Try FN2 freeEarnings History
Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$105.51Current
$90Low
$113.83Average
$127High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 24, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Truist Securities | Buy | Buy | Maintain | Oct 9, 2026 |
| TD Cowen | Buy | Buy | Maintain | Oct 5, 2026 |
| Barclays | Overweight | Overweight | Maintain | Oct 5, 2026 |
| JP Morgan | Overweight | Overweight | Maintain | Oct 1, 2026 |
| Citigroup | Buy | Buy | Maintain | Jul 28, 2026 |
| Piper Sandler | Overweight | Overweight | Maintain | Jul 27, 2026 |
| DA Davidson | Buy | Buy | Maintain | Jun 10, 2026 |
| Jefferies | Buy | Buy | Maintain | Feb 2, 2026 |
| Stephens & Co. | Overweight | Overweight | Maintain | Jan 26, 2026 |
| Raymond James | Strong Buy | Strong Buy | Maintain | Jan 7, 2026 |
| UBS | Buy | Buy | Maintain | Nov 5, 2025 |
| Keefe, Bruyette & Woods | Outperform | Outperform | Maintain | May 6, 2025 |
| Hovde Group | Market Perform | Outperform | Downgrade | Nov 13, 2024 |
| SunTrust Robinson Humphrey | Buy | Buy | Maintain | May 5, 2020 |
| Keefe Bruyette & Woods | Market Perform | Outperform | Downgrade | Apr 25, 2018 |
| FIG Partners | Outperform | Outperform | Maintain | Jan 25, 2016 |
| PiperJaffray | Neutral | Neutral | Maintain | Sep 21, 2015 |
| Wunderlich Securities | Hold | Buy | Downgrade | Jun 22, 2015 |
| Wunderlich | Hold | Buy | Downgrade | Jun 22, 2015 |
| Sandler O'Neill | Hold | Buy | Downgrade | Jan 27, 2015 |
Named analyst price targets
Upside is calculated against the persisted current price $105.51. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Truist Financial | Analyst unavailable | $113 | $100.57 | +7.1% | Oct 9, 2026 |
| Barclays | Analyst unavailable | $120 | $101.91 | +13.7% | Oct 5, 2026 |
| Truist Financial | Analyst unavailable | $118 | $105.68 | +11.8% | Jul 28, 2026 |
| Stephens | Analyst unavailable | $116 | $105.9 | +9.9% | Jul 27, 2026 |
| Piper Sandler | Stephen Scouten | $125 | $106 | +18.5% | Jul 27, 2026 |
| Piper Sandler | Stephen Scouten | $120 | $104.4 | +13.7% | Jul 24, 2026 |
| Barclays | Analyst unavailable | $118 | $100.28 | +11.8% | Jul 7, 2026 |
| UBS | Analyst unavailable | $108 | $100.84 | +2.4% | Jul 7, 2026 |
| Fundamental Research | Analyst unavailable | $120 | $99.9 | +13.7% | Jul 1, 2026 |
| Truist Financial | John McDonald | $108 | $94.86 | +2.4% | Apr 27, 2026 |
| Barclays | Analyst unavailable | $123 | $94.86 | +16.6% | Apr 27, 2026 |
| Truist Financial | Analyst unavailable | $110 | $91.96 | +4.3% | Mar 26, 2026 |
| UBS | Analyst unavailable | $121 | $105.56 | +14.7% | Feb 4, 2026 |
| Stephens | Russell Gunther | $120 | $99.86 | +13.7% | Jan 26, 2026 |
| D.A. Davidson | Analyst unavailable | $119 | $99.8 | +12.8% | Jan 26, 2026 |
| Barclays | Analyst unavailable | $126 | $100.19 | +19.4% | Jan 26, 2026 |
| Barclays | Analyst unavailable | $122 | $97.33 | +15.6% | Dec 19, 2025 |
| Barclays | Analyst unavailable | $125 | $88.86 | +18.5% | Nov 11, 2025 |
| UBS | Nicholas Holowko | $120 | $87.91 | +13.7% | Nov 5, 2025 |
| Stephens | Analyst unavailable | $110 | $90.47 | +4.3% | Oct 27, 2025 |
| Piper Sandler | Analyst unavailable | $118 | $90.47 | +11.8% | Oct 27, 2025 |
| D.A. Davidson | Gary Tenner | $117 | $90.38 | +10.9% | Oct 23, 2025 |
| Barclays | Analyst unavailable | $128 | $100.01 | +21.3% | Oct 8, 2025 |
| Raymond James | Analyst unavailable | $120 | $100.76 | +13.7% | Oct 7, 2025 |
| National Bank | Analyst unavailable | $127 | $100.24 | +20.4% | Sep 24, 2025 |
| Raymond James | Analyst unavailable | $110 | $87.49 | +4.3% | Apr 28, 2025 |
| Raymond James | Strong Buy | $115 | $94.67 | +9.0% | Apr 2, 2025 |
| Stephens | Russell Gunther | $105 | $98.47 | -0.5% | Oct 29, 2024 |
| Truist Financial | Brandon King | $103 | $98.06 | -2.4% | Oct 28, 2024 |
| Truist Financial | Brandon King | $109 | $100.18 | +3.3% | Jul 29, 2024 |
| Stephens | Russell Gunther | $101 | $100.18 | -4.3% | Jul 29, 2024 |
| D.A. Davidson | Gary Tenner | $112 | $98.88 | +6.2% | Jul 26, 2024 |
| Piper Sandler | Stephen Scouten | $98 | $75.57 | -7.1% | May 29, 2024 |
| Raymond James | Michael Rose | $90 | $79.87 | -14.7% | May 21, 2024 |
| Piper Sandler | Stephen Scouten | $95 | $77.7 | -10.0% | Apr 29, 2024 |
| Piper Sandler | Stephen Scouten | $96 | $77.63 | -9.0% | Sep 28, 2022 |
| Truist Financial | Jennifer Demba | $90 | $75.6 | -14.7% | Jun 15, 2022 |
Track every rating change on SSB the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationSouthState 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 provides bond accounting services for correspondents, asset/liability consulting related activities, international wires, and other clearing and corporate checking account services.…
Historical context
All SSB earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FCNCA First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +9.9% | First Citizens raises Q4 outlook after strong loan and deposit growth |
| FCNCN First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E | FY2026 Q3 · Calendar Q4 2026 | — | +0.5% | First Citizens: Strong Q3 Growth, Higher 2026 Guidance |
| FCNCO First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +0.3% | First Citizens reports strong Q3 growth and raises guidance |
| FCNCP First Citizens BancShares, Inc. | FY2026 Q3 · Calendar Q4 2026 | — | +1.0% | First Citizens: Strong Q3 growth supports a raised outlook |
| AXP American Express Company | FY2026 Q3 · Calendar Q4 2026 | — | -3.6% | American Express raises EPS outlook as premium cards and AI drive growth |
| BBD Banco Bradesco S.A. | FY2026 Q3 · Calendar Q4 2026 | -7.7% | +3.0% | Bradesco: Loan growth and capital strength offset credit risks |
Latest beats and misses
Who reports nextBeat on EPS
- RITM-PDFY2026 Q3 · October 23, 2026+10.2% EPS— move
- FIXFY2026 Q3 · October 22, 2026+8.2% EPS-8.5% move
- DECKFY2027 Q2 · October 22, 2026+13.4% EPS-0.2% move
- OMCFY2026 Q3 · October 22, 2026+2.2% EPS+2.6% move
- SSNCFY2026 Q3 · October 22, 2026+0.6% EPS+2.8% move
- BEFY2026 Q3 · October 22, 2026+36.0% EPS-8.7% move
Missed on EPS
- BBDFY2026 Q3 · October 22, 2026-7.7% EPS+3.0% move
- SNAFY2026 Q3 · October 22, 2026-5.9% EPS-3.4% move
- SPOTFY2026 Q3 · October 22, 2026-11.6% EPS+11.1% move
- VRSNFY2026 Q3 · October 22, 2026-2.0% EPS-0.9% move
- HBANMFY2026 Q3 · October 22, 2026-5.3% EPS+0.5% move
- HBANPFY2026 Q3 · October 22, 2026-5.3% EPS0.0% move
Get the SSB recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-10-24T01:00:40.350201+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-24T01:00:40.347392+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-24. For educational purposes only; not investment advice.