SouthState Bank Corp. · SSB · Next earnings

SouthState Bank Corp. reports Thursday, Jan 28, 2027

SSB reports after market close with consensus EPS at $2.44 and revenue at $702.4M. Last quarter: SouthState posts 9% loan and deposit growth as NIM holds

Reports After market close97 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $2.44 Calendar consensus
Consensus revenue $702.4M Calendar consensus
Report date Jan 28, 2027 Thursday, date estimated
Session After market close 97 days away

Where SSB left off: FY2026 Q3

Full report

SouthState posts 9% loan and deposit growth as NIM holds

EPS surprise -4.2% Reported $2.30 vs $2.40
Revenue surprise -0.8% Reported $685.4M vs $691.1M
Stock move +2.4% Event window
Subsequent drift 0.0% Up to 20 sessions

Management raised guidance, maintaining 3.75%-3.85% NIM guidance through 2027 while targeting 3.5%-4% expense growth for 2026-2027.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Deposit-cost increases or rate changes could pressure NIM.
  • Capital-markets revenue remains sensitive to Treasury-rate movements.
  • Fixed-rate spread compression and CRE performance could weigh on results.
  • Variable expenses, including commissions and deferred loan costs, remain unpredictable.

Questions analysts left open

  • Deposit costs and their effect on net interest margin.
  • Expense growth and its effect on profitability.
  • Capital-markets income recovery and spread compression in fixed-rate loans.
  • Maintaining the loan-to-deposit ratio near the 90% target.

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Recent SSB quarters

All SSB earnings
+2.4%FY2026 Q3+4.7%FY2026 Q2

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.