US · SSB
SouthState Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Winter Haven, FL 33880
- Website
- southstatebank.com
Price · as of 2025-12-31
$97.48
Market cap 9.92B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $45.91 | -52.9% |
| Intrinsic Value(DCF) | $1,611.31 | +1,552.96% |
| Graham-Dodd Method(GD) | $64.85 | -33.48% |
| Graham Formula(GF) | $500.07 | +412.99% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $23.02 | $23.55 | $24.27 | $21.14 | $35.55 |
| 2012 | $38.31 | $35.09 | $32.88 | $27.27 | $42.41 |
| 2013 | $47.98 | $43.02 | $48.98 | $33.25 | $133.42 |
| 2014 | $52.94 | $43.23 | $62.97 | $30.61 | $98.74 |
| 2015 | $52.16 | $30.43 | $59.22 | $36.00 | $35.33 |
| 2016 | $71.93 | $44.52 | $49.11 | $35.98 | $39.16 |
| 2017 | $75.38 | $42.32 | $76.11 | $39.34 | $89.99 |
| 2018 | $57.89 | $41.30 | $63.56 | $41.05 | $163.46 |
| 2019 | $58.24 | $48.10 | $66.64 | $41.58 | $57.29 |
| 2020 | $80.96 | $48.79 | $82.68 | $40.42 | $157.41 |
| 2021 | $78.11 | $52.83 | $71.02 | $50.71 | $166.07 |
| 2022 | $70.15 | $46.97 | $69.69 | $46.04 | $169.93 |
| 2023 | $79.88 | $52.99 | $79.31 | $49.16 | $245.57 |
| 2024 | $90.62 | $59.49 | $100.97 | $55.02 | $118.66 |
| 2025 | $99.77 | $45.91 | $835.20 | $64.85 | $500.07 |
AI valuation
Our deep-learning model estimates SouthState Corporation's (SSB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $45.91
- Current price
- $97.48
- AI upside
- -52.9%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$1,611.31
+1,552.96% upside
Graham-Dodd
$64.85
-33.48% upside
Graham Formula
$500.07
+412.99% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SSB | SouthState Corporation | $97.48 | 9.92B | -53% | +1,553% | -33% | +413% | 12.50 | 1.10 | 2.66 | 3.76 | 97.89 | 1.79 | 68.35% | 27.86% | 21.26% | 10.68% | 17.17% | 1.41% | 0.15 | 0.97 | 0.22 | 0.22 | 0.62 | 1277.00% | 5701.00% | -21383.00% | -5.43% | -0.01 | -11.58% | 2.32% | 29.00% | 4.68% | 4.20 | -8.12 | 1.17 | -0.18 |
| CFG | Citizens Financial Group,… | $60.19 | 25.85B | -7% | -14% | -46% | — | 14.39 | 1.00 | 2.36 | -4.36 | 52.54 | 1.46 | 69.75% | 20.88% | 16.42% | 7.24% | -19.29% | 0.83% | 0.43 | 0.61 | 1.04 | 1.04 | -0.54 | 2739.00% | -971.00% | 841.00% | 7.73% | 0.01 | -21.46% | 3.37% | 48.50% | 17.07% | -5.05 | -5.77 | -1.05 | 0.27 |
| CFR | Cullen/Frost Bankers, Inc… | $138.22 | 8.74B | -43% | +51% | -56% | -24% | 13.85 | 1.96 | 3.08 | 4.38 | 116.98 | 1.96 | 75.04% | 26.43% | 22.21% | 15.31% | -7.45% | 1.23% | 1.04 | 1.13 | 0.21 | 0.21 | -4.77 | 1184.00% | 246.00% | -8522.00% | 1.42% | 0.01 | -1.46% | 2.92% | 40.40% | 4.68% | 4.88 | 29.57 | 1.29 | -0.52 |
| CMA | Comerica Incorporated | $88.67 | 11.35B | -57% | -40% | -71% | -80% | 10.64 | 1.14 | 1.49 | -0.08 | — | 1.30 | 63.99% | 17.78% | 13.98% | 10.78% | -12.08% | 0.85% | 1.02 | 0.51 | 0.23 | 0.23 | -0.13 | -2181.00% | -495.00% | -5920.00% | 6.03% | 0.01 | -7.75% | 5.39% | 57.30% | 12.31% | -0.09 | -0.18 | -0.02 | -0.37 |
| FHN | First Horizon Corporation | $23.79 | 11.71B | +134% | +2% | -36% | -24% | 12.07 | 1.34 | 2.38 | 8.84 | 31.56 | 1.64 | 67.32% | 25.70% | 19.72% | 11.13% | 15.06% | 1.18% | 0.52 | 0.82 | 0.96 | 0.95 | 2.70 | 3824.00% | 97.00% | -4869.00% | 5.29% | 0.01 | 9.46% | 2.65% | 31.90% | 10.39% | 9.22 | 18.81 | 2.37 | 0.25 |
| ONB | Old National Bancorp | $23.10 | 9.03B | +172% | +188% | -38% | +142% | 13.65 | 1.08 | 2.46 | 15.09 | 208.45 | 1.63 | 63.60% | 23.56% | 18.04% | 9.02% | 8.09% | 1.06% | 0.88 | 0.72 | 0.89 | 0.88 | 7.01 | 655.00% | 2548.00% | 767.00% | 6.98% | 0.01 | 7.42% | 2.46% | 33.60% | 3.25% | 16.88 | 23.16 | 3.98 | 0.07 |
| UMBF | UMB Financial Corporation | $115.88 | 8.8B | -15% | +12,140% | +6% | +489% | 12.72 | 1.16 | 2.01 | 11.11 | 816.59 | 1.66 | 54.41% | 20.25% | 15.81% | 12.59% | 216.32% | 1.14% | 0.49 | 0.60 | 0.01 | 0.01 | 2.69 | 156.00% | 6852.00% | -1165.00% | 1.99% | 0.00 | 53.19% | 0.00% | 0.00% | 0.00% | 13.09 | 66.30 | 2.65 | -0.80 |
| WAL | Western Alliance Bancorpo… | $80.32 | 8.84B | -40% | +57% | +4% | +45% | 9.07 | 1.16 | 1.68 | -7.07 | 39.23 | 1.27 | 61.10% | 22.88% | 18.37% | 13.60% | -40.11% | 1.12% | 0.87 | 0.66 | 0.56 | 0.56 | 2.52 | 2313.00% | 517.00% | -115.00% | -31.52% | -0.06 | 113.09% | 2.09% | 18.90% | 2.86% | -7.07 | 3.06 | -1.62 | 0.00 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
| WTFC | Wintrust Financial Corpor… | $144.06 | 9.65B | -37% | +5% | -17% | +23% | 11.92 | 1.35 | 2.32 | 6.30 | 98.35 | 1.54 | 62.19% | 26.44% | 19.48% | 12.11% | 24.04% | 1.21% | 0.62 | 0.74 | 0.14 | 0.14 | 3.33 | 1212.00% | 666.00% | 3421.00% | 8.68% | 0.02 | 24.88% | 1.72% | 20.60% | 5.92% | 6.80 | 8.91 | 1.80 | -0.41 |
About SouthState Corporation
SouthState 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. It accepts checking accounts, savings deposits, interest-bearing transaction accounts, certificates of deposits, money market accounts, and other time deposits. The company also offers commercial real estate loans, residential real estate loans, commercial, and industrial loans, as well as consumer loans, including auto, boat, and personal installment loans. In addition, it provides debit card, mobile and funds transfer products, and treasury management services comprising merchant, automated clearing house, lock-box, remote deposit capture, and other treasury services. Further, the company offers safe deposit boxes, bank money orders, wire transfer, brokerage services, and alternative investment products, including annuities, mutual funds, and trust and asset management services; and credit cards, letters of credit, and home equity lines of credit. As of December 31, 2021, it served customers through 281 branches in Florida, South Carolina, Alabama, Georgia, North Carolina, and Virginia. SouthState Corporation also serves its customers through online, mobile, and telephone banking platforms. The company was formerly known as First Financial Holdings, Inc. and changed its name to SouthState Corporation in July 2013. SouthState Corporation was founded in 1933 and is headquartered in Winter Haven, Florida.
- CEO
- John C. Corbett
- Employees
- 6.41K
- Beta
- 0.72
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($1,611.31 ÷ $97.48) − 1 = +1,552.96% (DCF, example).