SouthState Bank (FRA:IV1) Cyclically Adjusted FCF per Share: €7.27 (As of Mar. 2026)

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FRA:IV1 SouthState Bank Corp FRA:IV1
74 GF Score
Price €86.50
GF Value €85.91
! 3 Warning Signs
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What is SouthState Bank Cyclically Adjusted FCF per Share?

SouthState Bank FRA:IV1 +2.98% 74 Cyclically Adjusted FCF per Share is €7.27 as of Mar. 2026. GuruFocus rates FRA:IV1 with a GF Score™ of 74/100 and a GF Value™ of €85.91. The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

SouthState Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was €2.474. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €7.27 for the trailing ten years ended in Mar. 2026.

During the past 12 months, SouthState Bank's average Cyclically Adjusted FCF Growth Rate was -2.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -2.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 2.30% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 4.40% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of SouthState Bank was 45.00% per year. The lowest was -2.40% per year. And the median was 7.95% per year.

As of today (2026-07-19), SouthState Bank's current stock price is €86.50. SouthState Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €7.27. SouthState Bank's Cyclically Adjusted Price-to-FCF of today is 11.90.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of SouthState Bank was 14.36. The lowest was 5.37. And the median was 9.78.


SouthState Bank  (FRA:IV1) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

SouthState Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=86.50/7.27
=11.90

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of SouthState Bank was 14.36. The lowest was 5.37. And the median was 9.78.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


SouthState Bank Cyclically Adjusted FCF per Share Related Terms


SouthState Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for SouthState Bank's Cyclically Adjusted FCF per Share 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.

SouthState Bank Cyclically Adjusted FCF per Share Chart

SouthState Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.02 8.88 8.13 8.55 7.15

SouthState Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.38 7.43 7.60 7.15 7.27

FRA:IV1 vs ONB, CFR, ZION: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, SouthState Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, SouthState Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where SouthState Bank's Cyclically Adjusted Price-to-FCF falls into.


FRA:IV1
74GF Score
SouthState Bank Corp FRA:IV1
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SouthState Bank Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, SouthState Bank's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.474/330.2130*330.2130
=2.474

Current CPI (Mar. 2026) = 330.2130.

SouthState Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.712 241.018 0.975
201609 1.238 241.428 1.693
201612 0.706 241.432 0.966
201703 1.188 243.801 1.609
201706 0.971 244.955 1.309
201709 1.991 246.819 2.664
201712 1.166 246.524 1.562
201803 2.245 249.554 2.971
201806 1.177 251.989 1.542
201809 1.425 252.439 1.864
201812 1.326 251.233 1.743
201903 0.847 254.202 1.100
201906 1.456 256.143 1.877
201909 0.636 256.759 0.818
201912 1.299 256.974 1.669
202003 1.041 258.115 1.332
202006 0.449 257.797 0.575
202009 3.372 260.280 4.278
202012 2.038 260.474 2.584
202103 3.448 264.877 4.299
202106 -0.729 271.696 -0.886
202109 2.069 274.310 2.491
202112 -0.193 278.802 -0.229
202203 7.225 287.504 8.298
202206 4.769 296.311 5.315
202209 8.026 296.808 8.929
202212 1.861 296.797 2.071
202303 0.633 301.836 0.693
202306 3.682 305.109 3.985
202309 5.361 307.789 5.752
202312 -3.435 306.746 -3.698
202403 3.266 312.332 3.453
202406 1.423 314.175 1.496
202409 -2.982 315.301 -3.123
202412 4.229 315.605 4.425
202503 -1.263 319.799 -1.304
202506 0.447 322.561 0.458
202509 0.852 324.800 0.866
202512 1.829 324.054 1.864
202603 2.474 330.213 2.474

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €7.27 mean?
SouthState Bank (FRA:IV1) has a Cyclically Adjusted FCF per Share of €7.27 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on SouthState Bank and its competitors.
Is SouthState Bank's Cyclically Adjusted FCF per Share too high?
SouthState Bank's current Cyclically Adjusted FCF per Share is €7.27. Overall, SouthState Bank has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does SouthState Bank's Cyclically Adjusted FCF per Share compare to ONB and CFR?
SouthState Bank's Cyclically Adjusted FCF per Share of €7.27 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on SouthState Bank and its competitors. SouthState Bank's current Cyclically Adjusted FCF per Share is €7.27. 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?
SouthState Bank (FRA:IV1) has a current Cyclically Adjusted FCF per Share of €7.27. The stock's GF Value™ is €85.91, compared to a current price of €86.50 — trading 0.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €7.27. SouthState Bank's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For SouthState Bank (FRA:IV1), the current Cyclically Adjusted FCF per Share is €7.27 as of Mar. 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 (FRA:IV1) Overvalued in 2026?

Based on GuruFocus' analysis, SouthState Bank stock appears to be overvalued. The current stock price of €86.50 is trading 0.7% above its estimated GF Value™ of €85.91.

Key valuation signals for FRA:IV1:

  • Cyclically Adjusted FCF per Share: €7.27
  • GF Value™: €85.91 vs. price of €86.50 (0.7% above fair value)
  • GF Score™: 74/100 with 3 warning signs

No single metric tells the full story. See the FRA:IV1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


SouthState Bank Business Description

Other Exchanges SSB:USA
Address 1101 First Street South, Suite 202, Winter Haven, FL, USA, 33880
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.
74GF Score

Get the complete analysis for FRA:IV1

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€86.50
Price
€85.91
GF Value