SouthState (SSB) reported $686.87 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 52.5%. EPS of $2.47 for the same period compares to $1.93 a year ago.
The reported revenue represents a surprise of +3.03% over the Zacks Consensus Estimate of $666.64 million. With the consensus EPS estimate being $2.30, the EPS surprise was +7.47%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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): 3.9% compared to the 3.8% average estimate based on five analysts.
- Efficiency Ratio: 49.7% compared to the 52% average estimate based on five analysts.
- Net charge-offs as a percentage of average loans (annualized): 0.1% versus the four-analyst average estimate of 0.1%.
- Average Balance - Total interest-earning assets: $59.87 billion versus $59.41 billion estimated by three analysts on average.
- Total nonperforming assets: $311.27 million versus $320.36 million estimated by three analysts on average.
- Total Noninterest Income: $105.75 million versus $93.3 million estimated by five analysts on average.
- Net interest income, tax equivalent (Non-GAAP): $581.92 million versus $575.69 million estimated by four analysts on average.
- Net Interest Income: $581.12 million versus the four-analyst average estimate of $571.68 million.
- Mortgage banking income: $5.16 million versus the two-analyst average estimate of $4.67 million.
- Fees on deposit accounts: $41.95 million versus $42.79 million estimated by two analysts on average.
- Trust and investment services income: $14.68 million compared to the $14.27 million average estimate based on two analysts.
- Total correspondent banking and capital market income: $27.47 million versus $19.08 million estimated by two analysts on average.
View all Key Company Metrics for SouthState here>>>
Shares of SouthState have returned +4.5% over the past month versus the Zacks S&P 500 composite's +0.7% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
SouthState Bank Corporation (SSB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
