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SouthState SSB Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$686.9MBeat by $19.1M
EPS$2.47Beat by $0.17
Revenue estimate$667.8M
EPS estimate$2.30

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$690.4M
EPS estimate$2.42

Financials

Q4 2025

Income statement

See full
Revenue$686.9M+52.5%
Net income$247.7M+71.8%
EPS (diluted)$2.46+30.9%

Balance sheet

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Cash & equivalents$3.2B+128%
Total debt$525.3M+406%
Total equity$9.1B+53.8%
Total assets$67.2B+44.9%

Cash flow

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Operating cash flow$232.1M-34.5%
CapEx$16.6M+23.7%
Free cash flow$215.5M-36.8%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$9.46B+24.6%
Enterprise value$6.81B+8.1%
P/E11.8×-2.3×
P/S3.5×-0.9×

Profitability

See full
Net margin29.8%-1.3pp
FCF margin8.6%—

Returns & leverage

See full
Return on equity10.7%+1.3pp
Debt / equity0.1×0.0×

Versus estimates

Revenue

Q2 2026$672.7MMiss by $4.2MQ1 2026$661.7MMiss by $7.6M
Q4 2025$686.9MBeat by $19.1M
Q3 2025$698.8MBeat by $34.9MQ2 2025$664.8MBeat by $10.5MQ1 2025$630.6MBeat by $18.5M

Diluted EPS

Q2 2026$2.35Beat by $0.04Q1 2026$2.28Beat by $0.07
Q4 2025$2.47Beat by $0.17
Q3 2025$2.58Beat by $0.47Q2 2025$2.30Beat by $0.30Q1 2025$2.15Beat by $0.72

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Questions, answered.

When did SouthState report Q4 2025 earnings?
SouthState (SSB) reported Q4 2025 earnings on January 22, 2026 after market close.
What were SouthState's Q4 2025 revenue and EPS?
SouthState reported revenue of $686.9M and eps of $2.47 for Q4 2025.
Did SouthState beat estimates in Q4 2025?
Revenue beat the consensus estimate of $667.8M by $19.1M. EPS beat the consensus estimate of $2.30 by $0.17.
How did SouthState's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 52.5% from $450.4M a year earlier and eps grew 28.0% from $1.93.
Where can I find SouthState's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-005783) and the 10-K periodic report (0001104659-26-017884) directly on SEC EDGAR. The filing index links above go to sec.gov.