SouthState BankSSB -1.17%74 EV-to-FCF is 14.69 as of Jul. 05, 2026, which is 26% above its 10-year median of 11.67. GuruFocus rates SSB with a GF Score™ of 74/100 and a GF Value™ of $102.29 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,196 Banks companies, SouthState Bank ranks worse than 75.59% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, SouthState Bank's Enterprise Value is $9,585 Mil.
SouthState Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $653 Mil. Therefore, SouthState Bank's EV-to-FCF for today is 14.69.
The historical rank and industry rank for SouthState Bank's EV-to-FCF or its related term are showing as below:
SSB'
s EV-to-FCF Range Over the Past 10 Years
Min: -57.06 Med: 11.67 Max: 120359.73
Current: 14.69
During the past 13 years, the highest EV-to-FCF of SouthState Bank was 120359.73. The lowest was -57.06. And the median was 11.67.
SSB's EV-to-FCF is ranked worse than 75.59% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs SSB: 14.69
EV-to-FCF 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-FCF 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 $100.16.
SouthState Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $9.270.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
SouthState Bank EV-to-FCF Related Terms
SouthState Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for SouthState Bank's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, SouthState Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where SouthState Bank's EV-to-FCF falls into.
SouthState Bank's current Enterprise Value is $9,585 Mil.
SouthState Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $653 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-FCF of 14.69 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SouthState Bank and its competitors. This is 26% above median its historical median of 11.67. According to the industry distribution chart, SouthState Bank ranks #904 out of 1196 companies in the Banks industry, placing it in the top 75.6%.
Is SouthState Bank's EV-to-FCF too high?
SouthState Bank's current EV-to-FCF of 14.69 is 26% above median its 10-year median of 11.67. The Banks industry median EV-to-FCF is 6.57. SouthState Bank's value of 14.69 is 123.8% above this industry median. Based on the distribution chart, SouthState Bank ranks #904 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SouthState Bank has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SouthState Bank's EV-to-FCF compare to ONB and CFR?
According to the Banks industry distribution chart, SouthState Bank ranks #904 out of 1196 companies for EV-to-FCF. This places SouthState Bank in the lower half of its industry. The industry median EV-to-FCF is 6.57. SouthState Bank's value of 14.69 is 123.8% above this benchmark. While the company's 10-year median is 11.67 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SouthState Bank's current EV-to-FCF of 14.69 is 123.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SouthState Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SouthState Bank's current EV-to-FCF is 14.69, which is 26% above median its own 10-year median of 11.67. 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 $102.29, compared to a current price of $100.16 — trading 2.1% below its estimated fair value. The current EV-to-FCF is 14.69, which is 26% above median its 10-year median of 11.67 and 123.8% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For SouthState Bank (SSB), the current EV-to-FCF is 14.69 as of Jul. 05, 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 undervalued.
The current stock price of $100.16 is trading 2.1% below its estimated GF Value™ of $102.29.
GuruFocus considers SouthState Bank to be Fairly Valued.
Key valuation signals for SSB:
EV-to-FCF: 14.69 (26% above median its 10-year median of 11.67)
GF Value™: $102.29 vs. price of $100.16 (2.1% below fair value)
Industry Position: 123.8% above the Banks median (#904 of 1196)
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.
74GF Score
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