Sep 2026 (Q3 FY26) — Oct 22, 2026
SouthState Bank Q3 FY26 — Strong Loan and Deposit Growth with Stable NIM
Read the full callSouthState Bank earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 230 | +6.9% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
14 of 16 judged targets kept · 10 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Commercial banking sales force headcount growth | 10% to 15% growth over the next year or two | Dec 2025 | We laid out the opportunity for our division presidents to increase the commercial relationship manager specifically team by 15% to 20% and be opportunistic over the next couple of years. We're up now over 10% in just 3 quarters. | Revised Up |
| Total capital return payout ratio | 40% to 60% (dividends plus repurchases, medium to long term) | Dec 2025 | our longer-term total payout ratio guidance remains in the 40% to 60% range | On Track |
2 of SouthState Bank Corp's 26 targets were missed. See which ones, and which are quietly gone. The 2 above are the free sample; 24 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: $93.87 on 22 Oct 2025 → $105.51. High $111.59 (14 Aug 2026), low $85.31 (17 Nov 2025).
Overview
Guidance
14 of 16 judged targets kept · 10 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Commercial banking sales force headcount growth | 10% to 15% growth over the next year or two | Dec 2025 | We laid out the opportunity for our division presidents to increase the commercial relationship manager specifically team by 15% to 20% and be opportunistic over the next couple of years. We're up now over 10% in just 3 quarters. | Revised Up |
| Total capital return payout ratio | 40% to 60% (dividends plus repurchases, medium to long term) | Dec 2025 | our longer-term total payout ratio guidance remains in the 40% to 60% range | On Track |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 26 tracked commitments, with each call’s wording and source.
Call summaries
SouthState Bank Q3 FY26 — Strong Loan and Deposit Growth with Stable NIM
Read the full callSouthState Bank Corporation Q2 FY26 — Strong Performance with Solid Growth and Stable Margins
Read the full callSouthState Bank Q1 FY26 — Strong Loan Growth and Capital Returns Amidst NIM Headwinds
Read the full callEvery analysed call
Financials
Net profit, year on year: +7% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 187 | 187 | 121 | 282 | 321 | 315 | 291 | 299 |
| Tax rate | 23.2% | 23.0% | 26.5% | 23.7% | 23.3% | 21.5% | 22.5% | 23.1% |
| Net profit | 143 | 144 | 89 | 215 | 247 | 248 | 226 | 230 |
| EPS ($ per share) | 1.88 | — | 0.88 | 2.12 | 2.44 | — | 2.29 | 2.36 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 90 | 84 | 177 | 173 | 189 | 190 | 191 | 248 |
| Reserves | 551 | 680 | 657 | 998 | 1,347 | 1,685 | 2,047 | 2,614 |
| Total liabilities | 12,310 | 13,549 | 33,142 | 37,036 | 38,844 | 39,369 | 40,491 | 58,138 |
| Fixed assets | 241 | 317 | 579 | 558 | 521 | 519 | 503 | 994 |
| Total assets | 14,676 | 15,922 | 37,790 | 41,838 | 43,919 | 44,902 | 46,381 | 67,197 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 284 | 181 | 537 | 416 | 1,731 | 547 | 512 | 301 |
| Cash from investing | -282 | -795 | 1,230 | -2,319 | -4,860 | -1,426 | -886 | 21 |
| Cash from financing | 30 | 894 | 2,154 | 4,016 | -2,280 | 566 | 767 | 1,459 |
| Net cash flow | 31 | 280 | 3,921 | 2,112 | -5,409 | -314 | 393 | 1,780 |
| Capital expenditure | -15 | -16 | -17 | -28 | -18 | -39 | -36 | -70 |
| Free cash flow | 269 | 165 | 520 | 387 | 1,713 | 508 | 476 | 231 |
| KPI | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Return on tangible common equity (ROTCE) | 17.6%For the quarter, SouthState delivered a return on assets of 1.37% and a return on tangible common equity of 17.6%.Source: earnings call transcript | 17.6%We generated a return on assets of 1.36% and a return on tangible common equity of 17.6%, which extends the consistent high performance over the last several quarters.Source: earnings call transcript | — | 0 pt |
| Net interest margin | 3.79%Our net interest margin of 3.79% was just below our guidance of 3.80% to 3.90%.Source: earnings call transcript | 3.78%Our net interest margin of 3.78% was down 1 basis point from Q1 and and in line with our $3.75 to $3.80 guidance.Source: earnings call transcript | 3.78%Deposits also grew 9% and without sacrificing margin, which held flat with the second quarter at 3.78% -- that net interest margin stability reflects a deliberate shift over the last couple of years towards more floating rate loans.Source: earnings call transcript | 0 pt |
| Common equity tier 1 ratio (CET1) | 11.3%CET1 ended at 11.3%.Source: earnings call transcript | 11.1%CET1 ended at 11.1%, TCE was 8.7% and and our TBV per share ended at $58.72, which is up 13% from the year ago level, a period in which we repurchased over 4.9 million shares or approximately 5% of the company.Source: earnings call transcript | 11.1%CET1 ended at 11.1%.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
104 filings between Nov 1, 2025 and Aug 19, 2026.
Purchases
None
No insider bought shares.
Sales
$6.29M
9 sales by 3 insiders
44% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Also filed: 9 gifts, 1 other.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Brooks David R | — | $4.79M | Aug 5, 2026 |
| MURRAY RICHARD IV | — | $1.06M | Feb 18, 2026 |
| MATTHEWS WILLIAM E V | — | $435.7K | Aug 19, 2026 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Aug 19, 2026 | MATTHEWS WILLIAM E V Chief Financial Officer | Sale | 4,000 | $435.7K |
| Aug 14, 2026 | MURRAY RICHARD IV President | Gift | 1,000 | $0 |
| Aug 12, 2026 | Corbett John C CEO | Gift | 5,000 | $0 |
| Aug 12, 2026 | YOUNG STEPHEN DEAN Chief Strategy Officer | Gift | 3,000 | $0 |
| Aug 5, 2026 | Brooks David R Director | Sale 10b5-1 plan | 1,100 | $121.0K |
| Aug 5, 2026 | Brooks David R Director | Sale 10b5-1 plan | 3,750 | $412.5K |
| Aug 5, 2026 | Brooks David R Director | Sale 10b5-1 plan | 1,800 | $198.0K |
| Aug 5, 2026 | Brooks David R Director | Sale 10b5-1 plan | 18,000 | $1.98M |
| Aug 3, 2026 | PAGE G RUFFNER JR Director | Award | 360 | $38.8K |
| Aug 3, 2026 | Cooper Shantella E. Director | Award | 279 | $30.1K |
| Aug 3, 2026 | Brooks David R Director | Sale | 6,181 | $667.1K |
| Aug 3, 2026 | POU WILLIAM K JR Director | Award | 232 | $25.0K |
| Jul 31, 2026 | BOCKHORST DANIEL E Chief Credit Officer | Tax withheld | 36 | $3.8K |
| Jul 31, 2026 | BOCKHORST DANIEL E Chief Credit Officer | Option exercise | 1,491 | $0 |
| Jul 21, 2026 | Sasse Benjamin E Director | Option exercise | 628 | $0 |
| May 4, 2026 | PAGE G RUFFNER JR Director | Award | 260 | $25.1K |
| May 4, 2026 | POU WILLIAM K JR Director | Award | 260 | $25.1K |
| May 4, 2026 | Cooper Shantella E. Director | Award | 312 | $30.1K |
| May 4, 2026 | Hertz Douglas J. Director | Award | 506 | $48.8K |
| Apr 28, 2026 | Brooks David R Director | Sale | 5,300 | $521.5K |
| Apr 28, 2026 | Brooks David R Director | Sale | 9,000 | $885.5K |
| Mar 12, 2026 | BROOKS RENEE R Chief Operating Officer | Gift | 2,128 | $0 |
| Feb 20, 2026 | YOUNG STEPHEN DEAN Chief Strategy Officer | Tax withheld | 4,122 | $434.6K |
| Feb 20, 2026 | YOUNG STEPHEN DEAN Chief Strategy Officer | Option exercise | 10,433 | $0 |
| Feb 20, 2026 | Corbett John C CEO | Option exercise | 32,454 | $0 |
| Feb 20, 2026 | MURRAY RICHARD IV President | Tax withheld | 2,680 | $282.6K |
| Feb 20, 2026 | MURRAY RICHARD IV President | Option exercise | 5,945 | $0 |
| Feb 20, 2026 | MATTHEWS WILLIAM E V Chief Financial Officer | Option exercise | 7,806 | $0 |
| Feb 20, 2026 | MATTHEWS WILLIAM E V Chief Financial Officer | Tax withheld | 3,680 | $388.0K |
| Feb 20, 2026 | BOCKHORST DANIEL E Chief Credit Officer | Option exercise | 2,834 | $0 |
| Feb 20, 2026 | Corbett John C CEO | Tax withheld | 16,227 | $1.71M |
| Feb 20, 2026 | DeSimone Beth S CRO, General Counsel | Tax withheld | 766 | $80.8K |
| Feb 20, 2026 | Idell Jennifer Chief Administrative Officer | Option exercise | 2,472 | $0 |
| Feb 20, 2026 | BROOKS RENEE R Chief Operating Officer | Option exercise | 5,945 | $0 |
| Feb 20, 2026 | DeSimone Beth S CRO, General Counsel | Option exercise | 3,501 | $0 |
| Feb 20, 2026 | BROOKS RENEE R Chief Operating Officer | Tax withheld | 1,788 | $188.5K |
| Feb 20, 2026 | BOCKHORST DANIEL E Chief Credit Officer | Tax withheld | 42 | $4.4K |
| Feb 20, 2026 | Idell Jennifer Chief Administrative Officer | Tax withheld | 665 | $70.1K |
| Feb 18, 2026 | MURRAY RICHARD IV President | Sale | 10,156 | $1.06M |
| Feb 5, 2026 | MURRAY RICHARD IV President | Gift | 40 | $0 |
| Feb 4, 2026 | ARANA SARA Chief Accounting Officer | Option exercise | 409 | $0 |
| Feb 4, 2026 | ARANA SARA Chief Accounting Officer | Tax withheld | 122 | $13.0K |
| Feb 2, 2026 | Hertz Douglas J. Director | Award | 474 | $48.8K |
| Feb 2, 2026 | POU WILLIAM K JR Director | Award | 243 | $25.0K |
| Feb 2, 2026 | PAGE G RUFFNER JR Director | Award | 243 | $25.0K |
| Feb 2, 2026 | Cooper Shantella E. Director | Award | 292 | $30.1K |
| Jan 24, 2026 | MURRAY RICHARD IV President | Tax withheld | 916 | $91.8K |
| Jan 24, 2026 | MURRAY RICHARD IV President | Option exercise | 2,057 | $0 |
| Jan 1, 2026 | MATTHEWS WILLIAM E V Chief Financial Officer | Option exercise | 1,254 | $0 |
| Jan 1, 2026 | MATTHEWS WILLIAM E V Chief Financial Officer | Option exercise | 1,156 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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