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SouthState Bank Corporation (SSB) Stock Analysis

Range Bound setup

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $97.81, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining.

SouthState Bank Corporation is a financial holding company headquartered in Winter Haven, Florida with $67.2B in assets, 342 branches across FL, SC, TX, GA, CO, NC, AL, and VA following the January 2025 Independent Bank Group acquisition. Revenue is primarily net interest income... Read more

$97.81+2.5% A.UpsideScore 6.6/10#5 of 142 Banks - Regional
Stop $93.17Target $100.32(analyst − 13%)A.R:R 0.4:1
Analyst target$115.31+17.9%13 analysts
$100.32our TP
$97.81price
$115.31mean
$125

Hold if already holding. Not a fresh buy at $97.81, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: RSI 51 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Score 6.6/10, moderate confidence.

Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 84d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)10.4
P/E (Fwd)9.2
Mkt Cap$9.5B
EV/EBITDA
Profit Mgn34.9%
ROE10.6%
Rev Growth22.8%
Beta0.75
Dividend2.49%
Rating analysts17

Quality Signals

Piotroski F7/9

Options Flow

P/C1.78bearish
IV55%elevated
Max Pain$75-23.3% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMProductcommercial real estate loans (58% of loan portfolio)58%
    10-K Item 1A: 'a significant portion of our loan portfolio being secured by real estate'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R 0.4 < 1.5@spotMomentum 5.4<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.4>=4.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 84d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
51 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $91.68Resistance $101.00

Price Targets

$93
$100
A.Upside+2.6%
A.R:R0.4:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (2.5% upside)
! Reward/Risk 0.4:1 at current price — below 1.5:1 minimum

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-23 (84d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SSB stock a buy right now?

Hold if already holding. Not a fresh buy at $97.81, but acceptable to hold if already in. Reason: Analyst target reached - limited upside remaining. Chart setup: RSI 51 mid-range, Bollinger mid-band. Maintain position. Not compelling to add more. Target $100.32 (+2.6%), stop $93.17 (−5.0%), A.R:R 0.4:1. Score 6.6/10, moderate confidence.

What is the SSB stock price target?

Take-profit target: $100.32 (+2.5% upside). Target $100.32 (+2.6%), stop $93.17 (−5.0%), A.R:R 0.4:1. Stop-loss: $93.17.

What are the risks of investing in SSB?

Analyst target reached - limited upside remaining.

Is SSB overvalued or undervalued?

SouthState Bank Corporation trades at a P/E of 10.4 (forward 9.2). TrendMatrix value score: 8.2/10. Verdict: Hold.

What do analysts say about SSB?

17 analysts cover SSB with a consensus score of 4.2/5. Average price target: $115.

What does SouthState Bank Corporation do?SouthState Bank Corporation is a financial holding company headquartered in Winter Haven, Florida with $67.2B in...

SouthState Bank Corporation is a financial holding company headquartered in Winter Haven, Florida with $67.2B in assets, 342 branches across FL, SC, TX, GA, CO, NC, AL, and VA following the January 2025 Independent Bank Group acquisition. Revenue is primarily net interest income from a loan portfolio that is 58% commercial real estate.

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