SouthState Bank (SSB) shares have been drawing attention after recent trading, with the stock last closing at $97.12. Investors are weighing this price against the bank’s earnings profile and overall return history.

The recent 1-day share price return of 1.64% and 1-month share price return of 5.40% suggest some momentum is building, even though the 3.07% year to date share price return and 3.57% 1-year total shareholder return remain relatively modest compared with the 29.99% 3-year and 36.64% 5-year total shareholder returns.

If SouthState Bank has you thinking about where else capital might work for you, it could be a good moment to scan fast growing stocks with high insider ownership.

With SouthState Bank trading at $97.12 alongside an indicated discount to some valuation estimates, you have to ask yourself: Is the market overlooking something here, or already factoring in much of the bank’s future growth potential?

Most Popular Narrative: 14.9% Undervalued

With SouthState Bank last closing at $97.12 versus a narrative fair value around $114.11, the current share price sits below that valuation anchor.

Organic growth momentum is seen as strengthening, with loan growth expected to accelerate in 2026 as new and legacy markets contribute more meaningfully, supporting a premium valuation versus slower growing regional peers.

Curious what could justify a premium tag for a regional bank? Revenue climbing faster than costs, margins stepping higher, and a future earnings multiple that assumes plenty of staying power. Want to see how those pieces fit together?

Result: Fair Value of $114.11 (UNDERVALUED)

However, that premium story can unravel if commercial real estate credit issues bite harder than expected, or if rising deposit and funding costs squeeze net interest margins.

Build Your Own SouthState Bank Narrative

If the story outlined here does not quite match your view, or you would rather test the numbers yourself, you can shape your own version in just a few minutes, Do it your way.

A great starting point for your SouthState Bank research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.

Looking for more investment ideas?

If SouthState Bank has sharpened your interest, do not stop here. Broaden your watchlist now so you do not miss other opportunities lining up.

• Spot potential mispricings early by scanning these 877 undervalued stocks based on cash flows that may offer more value than the market currently reflects.
• Tap into emerging tech themes by checking out these 25 AI penny stocks positioned around artificial intelligence use cases across different industries.
• Target higher income potential by reviewing these 11 dividend stocks with yields > 3% that combine equity exposure with sizeable cash payouts.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.