)
Visual
test
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 055550
Net income up 11.7% YoY, shareholder returns at 50.2%, CET1 ratio at 13.33%. - RM
Record 2025 net income, originations, and efficiency set up strong 2026 growth outlook. - KPIL
27% YOY revenue growth, strong profit and order book, and improved debt metrics drive outlook. - FSV
Annual revenues rose 5% to $5.50B, led by Residential growth and improved profitability. - HEXT
Revenue up 7.6% YoY, margin expands, and AI and acquisitions drive future growth. - 4188
Net income surged on discontinued operations gains, but outlook cut due to restructuring costs. - 021240
Record-high profits and strong rental growth, with overseas expansion led by Malaysia and Thailand. - 021240Record revenue and profit growth in 2Q'25, led by robust domestic and overseas performance.
- 021240Record-high revenue and net profit in 3Q'24, driven by robust rental growth and overseas expansion.
- 021240Record revenue and profit, with strong growth in rental accounts and overseas markets.
Next SouthState earnings date
Q1 202624 Apr, 2026
SouthState
Next SouthState earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage