Net interest margin trajectory - spread compression/expansion driven by deposit pricing competition and loan yield dynamics
Loan growth rates across commercial real estate, C&I, and residential mortgage portfolios in Southeast markets
Credit quality metrics - non-performing asset ratios, charge-off rates, reserve coverage as economic conditions evolve
M&A activity and integration execution - cost savings realization, revenue synergies, tangible book value dilution/accretion
high - Regional banks are highly cyclical, with loan demand, credit quality, and fee income directly tied to economic activity. Southeast exposure provides some insulation through faster regional GDP growth and population migration, but commercial real estate and C&I lending are sensitive to business investment cycles. Recession scenarios drive reserve builds, charge-offs, and compressed loan growth. Strong 57% revenue growth suggests current expansion phase benefits.
Asset-sensitive balance sheet benefits from rising short-term rates through expanding net interest margin, as loan yields reprice faster than deposit costs. However, inverted yield curve (2s10s spread) compresses long-term profitability. Mortgage banking income declines in rising rate environments due to reduced refinancing activity. Current environment with potential rate cuts in 2026 could pressure NIM if deposit costs remain sticky while loan yields decline. Duration of securities portfolio creates mark-to-market risk in rising rate scenarios.
Digital banking disruption from fintechs and national banks eroding deposit franchise and pricing power, particularly among younger demographics
Commercial real estate sector stress, especially office properties facing structural headwinds from remote work trends in Southeast markets
Regulatory burden and compliance costs disproportionately affecting mid-sized regionals relative to larger money center banks with scale advantages
value - Trading at 1.1x tangible book value with 9.0% ROE attracts value investors seeking regional bank consolidation plays and mean reversion in profitability metrics. 4.6% FCF yield and likely dividend (typical for regional banks) appeals to income-focused investors. Recent 22% three-month return suggests momentum interest, but 0.9% one-year return indicates prior underperformance. M&A-driven growth story attracts event-driven and special situations investors focused on integration execution and cost synergies.
Trend
+0.8% vs SMA 50 · +1.7% vs SMA 200
Momentum
Accumulation pattern present — more buying days than selling over the past 20 sessions. Volume conditions support gradual price improvement.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $1.6B $1.6B–$1.6B | — | $6.16 | — | ±2% | Moderate4 |
FY2024 | $1.7B $1.7B–$1.7B | ▲ +5.9% | $6.74 | ▲ +9.4% | ±1% | High6 |
FY2025 | $2.7B $2.6B–$2.7B | ▲ +56.4% | $7.66 | ▲ +13.6% | ±4% | High8 |
Dividend per payment — last 8 periods
New York, New York--(Newsfile Corp. - May 3, 2026) - WHY: Rosen Law Firm, a global investor rights l…
since 1934, we've remained true to our founding principles: we value personal relationships over financial transactions. we're actively involved in the communities we serve. and, we treat our employees like family. that's the south state way. south state bank is the result of five community banks, with rich histories and shared values, all coming together to create one strong regional bank rooted in the south. we're proud to have grown from serving the needs of one small community to helping businesses and individuals throughout the region.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
SSB◀ | $97.48 | -0.19% | $9.6B | 10.3 | +5700.7% | 2125.7% | 1500 |
| $397.67 | +0.41% | $2.1T | 28.7 | +3296.8% | 4510.0% | 1500 | |
| $91.95 | +0.10% | $316.0B | 14.1 | +318.8% | 1510.7% | 1500 | |
| $131.46 | -0.32% | $305.1B | 22.6 | +586.3% | 1305.9% | 1500 | |
| $184.74 | -1.40% | $286.4B | 27.2 | +862.9% | 1745.9% | 1500 | |
| $146.57 | -0.87% | $279.7B | 21.0 | +597.3% | 2564.4% | 1500 | |
| $88.98 | -1.86% | $251.9B | 14.4 | -591.0% | 668.4% | 1500 | |
| Sector avg | — | -0.59% | — | 19.7 | +1538.8% | 2061.5% | 1500 |