SouthState Bank (SSB) is back on investors’ radar after full year 2025 earnings, a fresh buyback authorization, and a confirmed cash dividend, all arriving alongside the completed integration of Independent Bank.

The recent earnings release, dividend affirmation and fresh buyback authorization have arrived alongside a 14.35% 90 day share price return and a 7.22% year to date share price return, even though the 1 year total shareholder return is a 4.43% decline. The 3 and 5 year total shareholder returns of 37.08% and 58.98% point to a stronger longer term record, suggesting momentum has been rebuilding in recent months as investors reassess growth prospects and risk around the enlarged bank.

If SouthState’s recent moves have you thinking about where else capital is moving, it could be a good moment to broaden your search with fast growing stocks with high insider ownership.

With earnings, dividends and buybacks all in focus, the next question is simple: at around $101 a share, is SouthState trading at a discount, or has the market already priced in future growth potential?

Most Popular Narrative: 11.9% Undervalued

At $101.03 per share, the most followed narrative aligns with a fair value estimate of about $114.68, leaving a gap that depends on future earnings power.

Substantial pipeline increases and ongoing recruitment of revenue producers in high-growth markets signal potential for sustained organic loan growth, supporting both top-line revenue and net interest income.

Curious what kind of loan growth and profit margins support that valuation gap? The narrative relies on ambitious earnings targets and a future earnings multiple that assumes SouthState continues converting that pipeline into lasting profits.

Result: Fair Value of $114.68 (UNDERVALUED)

However, that upside story runs into real tension if commercial real estate credit turns, or if rising deposit and funding costs continue to squeeze core net interest margins.

Build Your Own SouthState Bank Narrative

If you look at the numbers and come to a different conclusion, or simply prefer to test your own assumptions directly, you can build a complete SouthState view in just a few minutes with 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.

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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.