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SouthState BankSSB -0.49%73 Cash-to-Debt is 0.98 as of Jun. 2026, which is 37% below its 10-year median of 1.56. 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 1,492 Banks companies, SouthState Bank ranks worse than 58.98% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. SouthState Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.98.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, SouthState Bankcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for SouthState Bank's Cash-to-Debt or its related term are showing as below:
SSB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.39 Med: 1.56 Max: 5.19
Current: 0.98
During the past 13 years, SouthState Bank's highest Cash to Debt Ratio was 5.19. The lowest was 0.39. And the median was 1.56.
SSB's Cash-to-Debt is ranked worse than 58.98% of 1492
companies
in the Banks industry
Industry Median: 1.395
vs SSB: 0.98
SouthState Bank (NYSE:SSB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
SouthState Bank Cash-to-Debt Related Terms
SouthState Bank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for SouthState Bank's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, SouthState Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, SouthState Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where SouthState Bank's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SouthState Bank (SSB) has a Cash-to-Debt of 0.98 as of Jun. 2026. This is 37% below median its historical median of 1.56. Over the past decade, SouthState Bank's Cash-to-Debt has ranged from 0.39 to 5.19. According to the industry distribution chart, SouthState Bank ranks #880 out of 1492 companies in the Banks industry, placing it in the top 59%.
Is SouthState Bank's Cash-to-Debt too high?
SouthState Bank's current Cash-to-Debt of 0.98 is 37% below median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 5.19. The Banks industry median Cash-to-Debt is 1.40. SouthState Bank's value of 0.98 is 29.7% below this industry median. Based on the distribution chart, SouthState Bank ranks #880 out of 1492 companies in the Banks industry, which is below 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 Cash-to-Debt compare to CFR and ONB?
According to the Banks industry distribution chart, SouthState Bank ranks #880 out of 1492 companies for Cash-to-Debt. This places SouthState Bank in the lower half of its industry. The industry median Cash-to-Debt is 1.40. SouthState Bank's value of 0.98 is 29.7% below this benchmark. Historically, SouthState Bank's own Cash-to-Debt has ranged from 0.39 to 5.19 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 1.40, SouthState Bank has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SouthState Bank's current Cash-to-Debt of 0.98 is 29.7% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SouthState Bank's current Cash-to-Debt is 0.98, which is 37% below median its own 10-year median of 1.56. 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 $106.57 — trading 2.4% above its estimated fair value. The current Cash-to-Debt is 0.98, which is 37% below median its 10-year median of 1.56 and 29.7% below the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For SouthState Bank (SSB), the current Cash-to-Debt is 0.98 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 $106.57 is trading 2.4% above its estimated GF Value™ of $104.05.
GuruFocus considers SouthState Bank to be Fairly Valued.
Key valuation signals for SSB:
Cash-to-Debt: 0.98 (37% below median its 10-year median of 1.56)
GF Value™: $104.05 vs. price of $106.57 (2.4% above fair value)
Industry Position: 29.7% below the Banks median (#880 of 1492)
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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