SouthState Bank Corp (NYSE:SSB)

Q4 2025 SouthState Bank Corp Earnings Call Transcript

Jan 23, 2026 / 02:00 PM GMT

Release Date Price: $100.19 (-0.37%)

Transcript 8-K

Key Points

Positve

SouthState Bank Corp (SSB) reported a 30% increase in earnings per share for 2025, excluding merger costs.
The company achieved double-digit growth in tangible book value per share, even after accounting for initial dilution from a major deal.
Loan and deposit growth both reached 8% during the fourth quarter, indicating strong financial health.
SouthState Bank Corp (SSB) successfully integrated a major acquisition, expanding into new markets in Texas and Colorado.
The company repurchased 2 million shares in the fourth quarter, demonstrating confidence in its valuation and future prospects.

Negative

Non-interest expenses were higher than expected in the fourth quarter, driven by performance and commission-based compensation.
Accretion income decreased by $33 million from the previous quarter, impacting net interest income.
Loan yields decreased by 35 basis points, reflecting a decline in rates and impacting profitability.
The company anticipates a 4% increase in non-interest expenses for 2026, which could pressure margins.
There is a potential disconnect between the company's fundamentals and its share price, which may affect investor perception.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SSB.N - SouthState Bank Corp
Q4 2025 SouthState Bank Corp Earnings Call
Jan 23, 2026 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to South State Bank Corporation's Q4 2025 earnings conference call.

All participants are in a listen-only mode. After the speaker's remarks, we'll conduct a question-and-answer session.

To ask a question at this time, you'll need to press star, followed by the number one on your telephone keypad.

As a reminder, this conference call is being recorded.

I would now like to turn the call over to Will Matthews.

Thank you. Please go ahead.

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Unidentified_2 [2]
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Good morning. This is Will

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