SSB · SouthState Bank Corp
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Adjusted Efficiency Ratio (Non-GAAP) non-GAAP | 50% | 2Q26 | — |
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| Adjusted EPS, Diluted (Non-GAAP) non-GAAP | $2.35 | 2Q26 | — |
| Adjusted net income (non-GAAP) non-GAAP | $455.84M | Six Months Ended Jun. 30, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income (GAAP) 230.02M
+0K Securities losses, net of tax
+0K Gain on sale leaseback, net of transaction costs and tax
+0K PCL - Non-PCD loans and UFC, net of tax
+0K Merger, branch consolidation, severance related and other expense, net of tax (8)
+0K Deferred tax asset remeasurement
+0K FDIC special assessment, net of tax
= Adjusted net income (non-GAAP) 230.02M
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| Adjusted net income per common share - Basic (non-GAAP) non-GAAP | $4.66 | Six Months Ended Jun. 30, 2026 | — |
| Adjusted net income per common share - Diluted (non-GAAP) non-GAAP | $4.64 | Six Months Ended Jun. 30, 2026 | — |
| Adjusted return on average assets (non-GAAP) non-GAAP | 1.36% | Six Months Ended Jun. 30, 2026 | — |
| Adjusted return on average common tangible equity (non-GAAP) non-GAAP | 17.6% | Six Months Ended Jun. 30, 2026 | — |
| Adjusted Return on Average Tangible Common Equity (Non-GAAP) non-GAAP | 17.62% | 2Q26 | — |
| Branch Locations | 344 | 2Q 2026 | — |
| Classified / Assets | 3.47% | 2Q26 | — |
| Cost of Deposits | 1.76% | 2Q 2026 | — |
| Efficiency Ratio | 50% | Q2 2026 | — |
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| Efficiency Ratio (Non-GAAP) non-GAAP | 50% | 2Q26 | — |
| Loan to deposit ratio | 90% | Q2 2026 | — |
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| Net Charge-Offs to Loans | 0.06% | 2Q26 | — |
| Net Interest Margin | 3.78% | Q2 2026 | — |
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| NIM, TE (Non-GAAP) non-GAAP | 3.78% | Q2 FY2026 | — |
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| Nonperforming Assets to Loans & OREO | 0.57% | 2Q26 | — |
| PPNR, Adjusted per Wgtd. Avg. CS Outstanding, Diluted (Non-GAAP) non-GAAP | $3.22 | 2Q26 | — |
| Pre-provision net revenue (PPNR) (Non-GAAP) non-GAAP | 314.93M | Q2 FY2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income (GAAP) 230.02M
+15.92M Provision for credit losses
+68.99M Income tax provision
+0K Merger, branch consolidation, severance related and other expense (8)
+0K FDIC special assessment
= Pre-provision net revenue (PPNR) (Non-GAAP) 314.93M
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| Return on Average Assets (ROAA) | 1.36% | Q2 2026 | — |
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| Return on Average Common Equity | 10.2% | Q2 2026 | — |
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| Return on Average Tangible Common Equity non-GAAP | 17.6% | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income (GAAP) 230.02M
+16.19M Amortization of intangibles, net of tax
= Return on Average Tangible Common Equity 246.21M
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| Return on Average Tangible Common Equity (Non-GAAP) non-GAAP | 17.62% | 2Q26 | — |
| Special Mention / Assets | 1.1% | 2Q26 | — |
| Tangible Book Value per Share non-GAAP | $58.72 | Q2 2026 | — |
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| Tangible Common Equity ratio | 8.7% | Q2 2026 | — |
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| Tangible equity-to-tangible assets non-GAAP | 8.7% | Q2 2026 | — |
| Tier 1 Common Equity ratio | 11.1% | Q2 2026 | — |
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| Tier 1 Leverage ratio | 9.4% | Q2 2026 | — |
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| Total Allowance for Credit Losses plus reserve for unfunded commitments as a percentage of loans | 1.3% | Q2 2026 | — |
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| Total deposit cost | 1.76% | Q2 2026 | — |
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| Total Risk-Based Capital ratio | 13.5% | Q2 2026 | — |
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| Adjusted Diluted EPS non-GAAP | $2.28 | Q1 2026 | — |
| Net Interest Margin (non-tax equivalent) | 3.78% | Q1 2026 | — |
| Adjusted Diluted EPS (Non-GAAP) non-GAAP | $2.47 | Q4 2025 | — |
| Total loan yield | 6.13% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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SSB
this stock
SouthState Bank Corp
|
$10.68B | +13.8% | — | 11.6 | 3.0% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SSB | -3.0% | +4.8% | +3.2% | +1.9% | +13.8% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.5% | +1.9% | -8.3% | -1.1% | +1.0% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.