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SouthState
SouthState (SSB) investor relations material
SouthState Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary23 Jan, 2026
Executive summary
Completed the acquisition and integration of Independent Financial, expanding into Texas and Colorado, with strong cultural and operational alignment.
Fourth quarter 2025 saw annualized loan and deposit growth of 8% and a 32% year-over-year increase in diluted EPS to $2.46; adjusted diluted EPS was $2.47, up 28% year-over-year.
Full-year 2025 adjusted diluted EPS was $9.50, a 32% increase from the prior year.
Tangible book value per share rose 10% year-over-year to $56.27 after the acquisition, dividend increase, and share repurchases.
Board declared a $0.60 per share quarterly dividend and authorized a new 5.56 million share repurchase plan.
Financial highlights
Q4 pre-provision net revenue (PPNR) was $323 million; full-year PPNR per share was $12.55, up 30% from 2024.
Net interest margin (tax equivalent) for Q4 was 3.86%; net interest income for Q4 was $581 million.
Noninterest income for Q4 was $106 million, up $7 million, driven by correspondent capital markets performance.
Return on average tangible common equity was 19.1% for Q4 and 16.7% for the year; adjusted return was 19.9%.
Efficiency ratio and adjusted efficiency ratio were both 50% for Q4.
Outlook and guidance
Management highlighted strong momentum heading into 2026, with robust loan and deposit pipelines and a focus on continued growth.
2026 guidance includes a 4% increase in non-interest expenses over the 2025 base of $1.407 billion.
Expecting mid to upper single-digit loan growth for 2026, supported by a strong pipeline.
NIM expected to remain in the 3.80%-3.90% range for 2026, with deposit costs starting at 1.75% and deposit beta around 27%.
Non-interest income forecasted at 55-60 basis points of assets for 2026.
Impact of lower loan accretion on NIM?
Which loan segments drive 2026 growth trajectory?
Rationale for new 5.56M share repurchase plan?
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Next SouthState earnings date
Q1 202624 Apr, 2026
SouthState
Next SouthState earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
SouthState Corporation is a financial holding company that operates through its subsidiary, SouthState Bank, providing a range of banking and financial services. The company offers personal and commercial banking products, including checking and savings accounts, mortgages, business loans, and treasury management services. Additionally, it provides wealth management, trust services, and investment solutions to individuals and businesses. The company is headquartered in Winter Haven, Florida, and its shares are listed on the NYSE.
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