SouthState (SSB) reported $698.78 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 63.9%. EPS of $2.58 for the same period compares to $1.90 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $654.7 million, representing a surprise of +6.73%. The company delivered an EPS surprise of +17.27%, with the consensus EPS estimate being $2.20.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how SouthState performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net Interest Margin (Non-Tax Equivalent): 4.1% versus the four-analyst average estimate of 3.9%.
- Efficiency Ratio: 49.9% versus 54.9% estimated by four analysts on average.
- Net charge-offs as a percentage of average loans (annualized): 0.3% versus 0.1% estimated by three analysts on average.
- Average Balance - Total interest-earning assets: $58.73 billion versus $58.27 billion estimated by two analysts on average.
- Total nonperforming loans (non-acquired & acquired): $301.69 million compared to the $283.64 million average estimate based on two analysts.
- Total nonperforming assets: $320.81 million compared to the $316.07 million average estimate based on two analysts.
- Total Noninterest Income: $99.09 million versus the four-analyst average estimate of $88.04 million.
- Net interest income, tax equivalent (Non-GAAP): $600.42 million compared to the $568.27 million average estimate based on three analysts.
- Net Interest Income: $599.7 million compared to the $565.25 million average estimate based on three analysts.
View all Key Company Metrics for SouthState here>>>
Shares of SouthState have returned -5.7% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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SouthState Bank Corporation (SSB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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