NYSE$SSB
SouthState Bank Corp · Q3 2025 earnings
Q3 2025 earnings · · After market close · Investor relations
Briefing
SouthState Bank reported Q3 2025 net interest income of $600M with net income of $247M and diluted EPS of $2.44.
Net interest income was $599.7 million and total noninterest income was $99.1 million. Net income was $246.6 million; diluted EPS was $2.44. The bank integrated recent acquisitions while managing credit and deposit costs.
- Q3 net interest income $600M.
- Net income $247M; diluted EPS $2.44.
- Noninterest income $99M including fees and mortgage banking.
- Merger integration and credit quality remain focal.
Headline financials
Revenue & EPS history
SouthState · Revenue · Quarterly
$699M
Revenue by segment
SouthState · $59.9M total across 5 segments · Q3 2023
- Deposit Account Fees$32.8M+5.3%54.8%
- Trust & Investment$9.56M-0.5%15.9%
- Other Income$8.03M+7.6%13.4%
- BOLI Income$7.04M+15.7%11.7%
- Mortgage Banking$2.48M+9.5%4.1%
Forward guidance
The filing discusses SouthState Bank's outlook, including capital allocation, operating priorities, and market risks relevant to the reported quarter.
Tailwinds
- SouthState Bank cites operational priorities and demand trends supporting the outlook.
- Balance sheet and liquidity actions aim to fund growth and returns.
- Net interest income and fee trends support the earnings base.
Headwinds
- Macro, pricing, and input-cost volatility could pressure margins.
- Segment mix and one-time items may affect quarter-to-quarter comparability.
- Credit quality, deposit costs, and regulatory capital requirements.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q3 2025
-0.1%
Avg return
Earnings day
+0.2%
Avg return
5 days after
+1.0%
Avg return
30 days after
53%
35 / 66 earnings
Positive
+6.1%
Q3 2020
Best reaction
-9.4%
Q4 2019
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -3.2% | -1.6% | -3.6% | |
| Q4 2025 | -0.4% | +0.4% | +4.9% | |
| Q3 2025 | -4.0% | -4.4% | -6.2% | |
| Q2 2025 | -2.2% | -1.0% | +3.8% | |
| Q1 2025 | -2.7% | -3.3% | -2.4% | |
| Q4 2024 | +5.2% | +8.1% | +0.7% | |
| Q3 2024 | +0.9% | +1.3% | +12.1% | |
| Q2 2024 | +4.3% | +5.9% | +3.6% | |
| Q1 2024 | -2.7% | -5.5% | -3.7% | |
| Q4 2023 | +2.4% | +4.9% | +0.1% | |
| Q3 2023 | +1.9% | +2.5% | +14.2% | |
| Q2 2023 | -0.7% | -1.1% | -10.6% | |
| Q1 2023 | +4.9% | -2.0% | -1.1% | |
| Q4 2022 | +0.8% | +4.1% | +6.5% | |
| Q3 2022 | +3.8% | +5.5% | +2.6% | |
| Q2 2022 | +1.8% | -2.1% | -3.2% | |
| Q1 2022 | +1.8% | +2.7% | +6.5% | |
| Q4 2021 | +2.2% | -0.6% | +6.2% | |
| Q3 2021 | -0.5% | +6.7% | +0.6% | |
| Q2 2021 | -3.0% | -3.2% | -6.4% | |
| Q1 2021 | +0.7% | +1.0% | +5.8% | |
| Q4 2020 | -5.7% | -9.0% | +1.6% | |
| Q3 2020 | +6.1% | +11.6% | +21.8% | |
| Q2 2020 | -2.6% | +1.3% | +16.8% | |
| Q1 2020 | +3.8% | +11.1% | -8.7% | |
| Q4 2019 | -9.4% | -11.6% | -13.5% | |
| Q3 2019 | +2.8% | +3.3% | +6.7% | |
| Q2 2019 | +1.3% | -2.3% | -5.8% | |
| Q1 2019 | +1.5% | +2.3% | -6.5% | |
| Q4 2018 | +1.5% | +2.2% | +8.8% | |
| Q3 2018 | -7.7% | -15.0% | -8.4% | |
| Q2 2018 | -4.2% | -5.0% | -5.4% | |
| Q1 2018 | -2.0% | -0.2% | +1.9% | |
| Q4 2017 | -1.5% | -1.6% | -3.0% | |
| Q3 2017 | +1.0% | +1.9% | -2.8% | |
| Q2 2017 | -0.4% | -0.6% | -4.5% | |
| Q1 2017 | +1.1% | +2.2% | -7.4% | |
| Q4 2016 | -1.5% | -4.5% | -1.5% | |
| Q3 2016 | -1.4% | -1.0% | +15.8% | |
| Q2 2016 | +5.6% | +6.5% | +4.7% | |
| Q1 2016 | +0.3% | — | — | |
| Q4 2015 | +0.8% | — | — | |
| Q3 2015 | +4.2% | — | — | |
| Q2 2015 | -1.5% | — | — | |
| Q1 2015 | -3.4% | — | — | |
| Q4 2014 | -5.8% | — | — | |
| Q3 2014 | +1.9% | — | — | |
| Q2 2014 | +2.0% | — | — | |
| Q1 2014 | +4.9% | — | — | |
| Q4 2013 | -2.9% | — | — | |
| Q3 2013 | +0.8% | — | — | |
| Q2 2013 | -2.8% | — | — | |
| Q1 2013 | -3.0% | — | — | |
| Q4 2012 | +2.3% | — | — | |
| Q3 2012 | -1.5% | — | — | |
| Q2 2012 | +3.7% | — | — | |
| Q1 2011 | -1.4% | — | — | |
| Q1 2012 | +2.4% | — | — | |
| Q4 2009 | +1.6% | — | — | |
| Q4 2010 | +1.6% | — | — | |
| Q4 2011 | +1.6% | — | — | |
| Q3 2011 | -3.5% | — | — | |
| Q3 2010 | -3.5% | — | — | |
| Q2 2010 | -3.4% | — | — | |
| Q2 2011 | -3.4% | — | — | |
| Q1 2010 | +4.8% | — | — |
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