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South State Earnings Calls
| Release date | Oct 22, 2025 |
| EPS estimate | $2.20 |
| EPS actual | $2.58 |
| EPS Surprise | 17.27% |
| Revenue estimate | 666.264M |
| Revenue actual | 698.783M |
| Revenue Surprise | 4.88% |
| Release date | Jul 24, 2025 |
| EPS estimate | $2.00 |
| EPS actual | $2.30 |
| EPS Surprise | 15.00% |
| Revenue estimate | 654.257M |
| Revenue actual | 664.765M |
| Revenue Surprise | 1.61% |
| Release date | Apr 24, 2025 |
| EPS estimate | $1.43 |
| EPS actual | $2.15 |
| EPS Surprise | 50.35% |
| Revenue estimate | 612.175M |
| Revenue actual | 630.635M |
| Revenue Surprise | 3.02% |
| Release date | Jan 23, 2025 |
| EPS estimate | $1.75 |
| EPS actual | $1.93 |
| EPS Surprise | 10.29% |
| Revenue estimate | 542.285M |
| Revenue actual | 450.374M |
| Revenue Surprise | -16.95% |
Last 4 Quarters for South State
Below you can see how SSB performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jan 23, 2025 |
| Price on release | $98.59 |
| EPS estimate | $1.75 |
| EPS actual | $1.93 |
| EPS surprise | 10.29% |
| Date | Price |
|---|---|
| Jan 16, 2025 | $98.63 |
| Jan 17, 2025 | $99.72 |
| Jan 21, 2025 | $100.90 |
| Jan 22, 2025 | $99.47 |
| Jan 23, 2025 | $98.59 |
| Jan 24, 2025 | $103.67 |
| Jan 27, 2025 | $106.21 |
| Jan 28, 2025 | $108.33 |
| Jan 29, 2025 | $106.54 |
| 4 days before | -0.0406% |
| 4 days after | 8.06% |
| On release day | 5.15% |
| Change in period | 8.02% |
| Release date | Apr 24, 2025 |
| Price on release | $89.75 |
| EPS estimate | $1.43 |
| EPS actual | $2.15 |
| EPS surprise | 50.35% |
| Date | Price |
|---|---|
| Apr 17, 2025 | $84.82 |
| Apr 21, 2025 | $83.60 |
| Apr 22, 2025 | $87.02 |
| Apr 23, 2025 | $88.66 |
| Apr 24, 2025 | $89.75 |
| Apr 25, 2025 | $87.36 |
| Apr 28, 2025 | $87.49 |
| Apr 29, 2025 | $87.66 |
| Apr 30, 2025 | $86.78 |
| 4 days before | 5.81% |
| 4 days after | -3.31% |
| On release day | -2.66% |
| Change in period | 2.31% |
| Release date | Jul 24, 2025 |
| Price on release | $97.90 |
| EPS estimate | $2.00 |
| EPS actual | $2.30 |
| EPS surprise | 15.00% |
| Date | Price |
|---|---|
| Jul 18, 2025 | $97.81 |
| Jul 21, 2025 | $96.99 |
| Jul 22, 2025 | $98.35 |
| Jul 23, 2025 | $97.22 |
| Jul 24, 2025 | $97.90 |
| Jul 25, 2025 | $98.50 |
| Jul 28, 2025 | $97.59 |
| Jul 29, 2025 | $97.10 |
| Jul 30, 2025 | $95.92 |
| 4 days before | 0.0920% |
| 4 days after | -2.02% |
| On release day | 0.613% |
| Change in period | -1.93% |
| Release date | Oct 22, 2025 |
| Price on release | $93.87 |
| EPS estimate | $2.20 |
| EPS actual | $2.58 |
| EPS surprise | 17.27% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $91.41 |
| Oct 17, 2025 | $92.47 |
| Oct 20, 2025 | $94.51 |
| Oct 21, 2025 | $94.57 |
| Oct 22, 2025 | $93.87 |
| Oct 23, 2025 | $89.92 |
| Oct 24, 2025 | $90.47 |
| Oct 27, 2025 | $90.43 |
| Oct 28, 2025 | $89.72 |
| 4 days before | 2.69% |
| 4 days after | -4.42% |
| On release day | -4.21% |
| Change in period | -1.85% |
South State Earnings Call Transcript Summary of Q3 2025
SouthState reported a strong Q3 2025: EPS rose 30% YoY and return on tangible equity was 20%. The company completed the Independent Financial acquisition (closed Jan 1; systems conversion in May) and is starting to realize synergies. Loan production was nearly $3.4 billion with moderate loan and deposit growth; notable pipeline buildouts include Texas ($1.2B), Florida ($1.0B) and Atlanta ($0.9B). Credit metrics are broadly stable despite one large $21M charge-off (a supply-chain finance exposure) that drove quarterly charge-offs to 27 bps; year-to-date net charge-offs are 12 bps and management expects roughly 10 bps for the year. Net interest income benefited from a 4.06% tax-equivalent margin and accretion; management expects NIM to be in the 3.80%–3.90% range going forward as accretion normalizes (Q4 accretion $40–50M) and deposit beta moderates (modeling ~27% on the next easing). Cost control remains intact: noninterest expenses were $351M and the Q3 efficiency ratio was 46.9%. Capital is healthy (CET1 11.5%, TBV/share $54.48, up >$3 vs year-end 2024) and management emphasizes capital optionality for organic growth and opportunistic buybacks rather than M&A in the near term. Overall, management is focused on recruiting bankers to capture disruption in key markets and expects loan growth to accelerate into 2026.
