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SouthState BankSSB -0.87%73 EV-to-OCF is 11.12 as of Aug. 20, 2026, which is 1% above its 10-year median of 10.97. 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 worse than 74.67% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, SouthState Bank's Enterprise Value is $10,316 Mil.
SouthState Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $928 Mil. Therefore, SouthState Bank's EV-to-OCF for today is 11.12.
The historical rank and industry rank for SouthState Bank's EV-to-OCF or its related term are showing as below:
SSB'
s EV-to-OCF Range Over the Past 10 Years
Min: -74.13 Med: 10.97 Max: 196.76
Current: 11.12
During the past 13 years, the highest EV-to-OCF of SouthState Bank was 196.76. The lowest was -74.13. And the median was 10.97.
SSB's EV-to-OCF is ranked worse than 74.67% of 1496
companies
in the Banks industry
Industry Median: 3.885
vs SSB: 11.12
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
SouthState Bank's PE Ratio (TTM) for today is calculated as:
SouthState Bank's share price for today is $106.16.
SouthState Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $9.510.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
SouthState Bank EV-to-OCF Related Terms
SouthState Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for SouthState Bank's EV-to-OCF 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.
For the Banks - Regional subindustry, SouthState Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, SouthState Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where SouthState Bank's EV-to-OCF falls into.
SouthState Bank's current Enterprise Value is $10,316 Mil.
SouthState Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $928 Mil.
* 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 EV-to-OCF of 11.12 as of Aug. 20, 2026. This is near median its historical median of 10.97. According to the industry distribution chart, SouthState Bank ranks #1117 out of 1496 companies in the Banks industry, placing it in the top 74.7%.
Is SouthState Bank's EV-to-OCF too high?
SouthState Bank's current EV-to-OCF of 11.12 is near median its 10-year median of 10.97. The Banks industry median EV-to-OCF is 3.89. SouthState Bank's value of 11.12 is 186.2% above this industry median. Based on the distribution chart, SouthState Bank ranks #1117 out of 1496 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 EV-to-OCF compare to CFR and ONB?
According to the Banks industry distribution chart, SouthState Bank ranks #1117 out of 1496 companies for EV-to-OCF. This places SouthState Bank in the lower half of its industry. The industry median EV-to-OCF is 3.89. SouthState Bank's value of 11.12 is 186.2% above this benchmark. While the company's 10-year median is 10.97 vs. the industry median of 3.89, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.89, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SouthState Bank's current EV-to-OCF of 11.12 is 186.2% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SouthState Bank's current EV-to-OCF is 11.12, which is near median its own 10-year median of 10.97. 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 $106.16 — trading 2% above its estimated fair value. The current EV-to-OCF is 11.12, which is near median its 10-year median of 10.97 and 186.2% above the Banks industry median of 3.89. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For SouthState Bank (SSB), the current EV-to-OCF is 11.12 as of Aug. 20, 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 $106.16 is trading 2% above its estimated GF Value™ of $104.05.
GuruFocus considers SouthState Bank to be Fairly Valued.
Key valuation signals for SSB:
EV-to-OCF: 11.12 (near median its 10-year median of 10.97)
GF Value™: $104.05 vs. price of $106.16 (2% above fair value)
Industry Position: 186.2% above the Banks median (#1117 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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