NYSE: SSB ยท Regional Banks
SouthState Bank (SSB) fair value: undervalued or overvalued?
As of 22 Sep 2026, Faircurve's model values SouthState Bank (SSB) at $88.79 a share. The stock last closed at $103.11, which puts the model's fair value 13.9% below the price. On the model's bands that reads as Fairly valued.
Revalued . Price is the close of 21 Sep 2026. SouthState Bank Corp.
What price range does the model give SSB?
The calibrated range for SSB over 63 trading days is $74.92 to $108.82. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 3,913 past valuations, refreshed 19 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $68.91 to $112.26. In 30% of the simulations the fair value came out above the price the model ran on.
How does SSB compare with similar companies?
The companies in regional banks closest to SouthState Bank in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| WTFC Wintrust Financial Corporation | $147.08 | $149.68 | +1.8% | Not graded yet |
| CFR Cullen/Frost Bankers, Inc. | $158.74 | $129.75 | -18.3% | Not graded yet |
| UMBF UMB Financial Corporation | $133.53 | $129.36 | -3.1% | Not graded yet |
| ONB Old National Bancorp | $25.25 | $23.22 | -8.0% | Not graded yet |
| ZION Zions Bancorporation, National Association | $64.98 | $93.47 | +43.8% | Not graded yet |
| FHN First Horizon Corporation | $23.93 | $22.81 | -4.7% | Not graded yet |
| WAL Western Alliance Bancorporation | $78.65 | $98.06 | +24.7% | Not graded yet |
| COLB Columbia Banking System, Inc. | $29.90 | $27.32 | -8.6% | Not graded yet |
When does SSB report earnings, and how has the stock reacted?
SouthState Bank's next earnings report is scheduled for 28 Oct 2026. Companies can move their dates.
Options prices on 21 Sep 2026 imply a move of about 8.1% in either direction through the nearest expiry, about 59 days out, a window that includes the report. That is the size the market is pricing, not a direction.
How SSB moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 2.0%.
| Report date | Two session move |
|---|---|
| 23 Jul 2026 | +3.7% |
| 23 Apr 2026 | -2.8% |
| 22 Jan 2026 | -0.4% |
| 22 Oct 2025 | -4.9% |
| 24 Jul 2025 | +1.3% |
| 24 Apr 2025 | +1.0% |
| 23 Jan 2025 | +4.2% |
| 23 Oct 2024 | +0.9% |
SouthState Bank at a glance
SouthState 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.
- Market value
- $10.0B
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -27.4%
- Analysts with estimates
- 10
- Beta to the US market
- 0.65
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices SouthState Bank on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 19 Sep 2026 the model's fair value for SSB was $89.13. As of 22 Sep 2026 it is $88.79, a change of -0.4%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about SouthState Bank's valuation
Is SouthState Bank stock undervalued or overvalued?
On Faircurve's model, SSB reads as Fairly valued as of 22 Sep 2026. The model's fair value is $88.79 a share against a last close of $103.11, a gap of -13.9%.
What is SSB's fair value?
$88.79 a share as of 22 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $68.91 to $112.26.
What price range does the model give SSB?
$74.92 to $108.82 over 63 trading days. Ranges built this way held the price 60% of the time across 3,913 past valuations, refreshed 19 Sep 2026.
When does SouthState Bank report earnings next?
The next report is scheduled for 28 Oct 2026. Companies can move their dates.
How much has SSB moved on past earnings reports?
Across its last 8 reports the median two session move was 2.0%, ignoring direction. The largest was -4.9% around the report of 22 Oct 2025.
How confident is the model in this valuation?
Model confidence for SSB is high. For banks, insurers and real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.