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SouthState BankSSB -0.44%73 3-Year Book Growth Rate is 10.90% as of Jun. 2026, which is 11% above its 10-year median of 9.80. GuruFocus rates SSB with a GF Score™ of 73/100 and a GF Value™ of $104.05 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,496 Banks companies, SouthState Bank ranks better than 62.5% on this metric.
During the past 12 months, SouthState Bank's average Book Value per Share Growth Rate was 8.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 10.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.10% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 5.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of SouthState Bank was 21.70% per year. The lowest was -1.60% per year. And the median was 9.80% per year.
SouthState Bank (NYSE:SSB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
SouthState Bank 3-Year Book Growth Rate Related Terms
SSB vs CFR, ONB, ZION: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, SouthState Bank's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SouthState Bank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, SouthState Bank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where SouthState Bank's 3-Year Book Growth Rate falls into.
SouthState Bank 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 10.90% mean?
SouthState Bank (SSB) has a 3-Year Book Growth Rate of 10.90% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SouthState Bank and its competitors. This is 11% above median its historical median of 9.80. According to the industry distribution chart, SouthState Bank ranks #561 out of 1496 companies in the Banks industry, placing it in the top 37.5%.
Is SouthState Bank's 3-Year Book Growth Rate too high?
SouthState Bank's current 3-Year Book Growth Rate of 10.90% is 11% above median its 10-year median of 9.80. The Banks industry median 3-Year Book Growth Rate is 8.80. SouthState Bank's value of 10.90% is 23.9% above this industry median. Based on the distribution chart, SouthState Bank ranks #561 out of 1496 companies in the Banks industry, which is above the industry midpoint. Overall, SouthState Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SouthState Bank's 3-Year Book Growth Rate compare to CFR and ONB?
According to the Banks industry distribution chart, SouthState Bank ranks #561 out of 1496 companies for 3-Year Book Growth Rate. This puts SouthState Bank in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. SouthState Bank's value of 10.90% is 23.9% above this benchmark. While the company's 10-year median is 9.80 vs. the industry median of 8.80, SouthState Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SouthState Bank's current 3-Year Book Growth Rate of 10.90% is 23.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SouthState Bank and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SouthState Bank's current 3-Year Book Growth Rate is 10.90%, which is 11% above median its own 10-year median of 9.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SouthState Bank stock overvalued right now?
Based on GuruFocus' analysis, SouthState Bank (SSB) is currently considered Fairly Valued. The stock's GF Value™ is $104.05, compared to a current price of $106.62 — trading 2.5% above its estimated fair value. The current 3-Year Book Growth Rate is 10.90%, which is 11% above median its 10-year median of 9.80 and 23.9% above the Banks industry median of 8.80. SouthState Bank's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For SouthState Bank (SSB), the current 3-Year Book Growth Rate is 10.90% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SouthState Bank (SSB) Overvalued in 2026?
Based on GuruFocus' analysis, SouthState Bank stock appears to be overvalued.
The current stock price of $106.62 is trading 2.5% above its estimated GF Value™ of $104.05.
GuruFocus considers SouthState Bank to be Fairly Valued.
Key valuation signals for SSB:
3-Year Book Growth Rate: 10.90% (11% above median its 10-year median of 9.80)
GF Value™: $104.05 vs. price of $106.62 (2.5% above fair value)
Industry Position: 23.9% above the Banks median (#561 of 1496)
No single metric tells the full story. See the SSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SouthState Bank Corp is a United States-based bank holding company. It provides a wide range of services and products to its customers through a wholly-owned bank subsidiary. The Bank provides retail and commercial banking services, mortgage lending services, trust and investment services, and consumer finance loans through financial centers in Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia. These services include demand, time, and savings deposits, lending and credit card servicing, ATM processing, and wealth management and trust services.
73GF Score
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