SouthState Bank (FRA:IV1) Moat Score: 5/10 (As of Jul. 08, 2026)


FRA:IV1 SouthState Bank Corp FRA:IV1
74 GF Score
Price €85.50
GF Value €87.68
! 2 Warning Signs
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What is SouthState Bank Moat Score?

SouthState Bank FRA:IV1 +1.79% 74 Moat Score is 5 as of Jul. 08, 2026. GuruFocus rates FRA:IV1 with a GF Score™ of 74/100 and a GF Value™ of €87.68. The stock has 2 warning signs investors should review. Among 1,610 Banks companies, SouthState Bank ranks better than 94.04% on this metric.

SouthState Bank has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

SouthState Bank has Narrow Moat: SouthState Bank Corp has a solid narrow moat due to its regional market leadership and customer loyalty in the banking sector. It benefits from economies of scale and a strong distribution network. However, it lacks significant regulatory barriers or proprietary technology to achieve a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SouthState Bank might have Narrow Moat - Solid narrow moat.

SouthState Bank  (FRA:IV1) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

SouthState Bank Moat Score Related Terms

FRA:IV1 vs ONB, CFR, ZION: Moat Score Comparison

For the Banks - Regional subindustry, SouthState Bank's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, SouthState Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where SouthState Bank's Moat Score falls into.


FRA:IV1
74GF Score
SouthState Bank Corp FRA:IV1
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
SouthState Bank (FRA:IV1) has a Moat Score of 5 as of Jul. 08, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, SouthState Bank ranks #96 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is SouthState Bank's Moat Score too high?
SouthState Bank's current Moat Score is 5. Based on the distribution chart, SouthState Bank ranks #96 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to ONB and CFR?
According to the Banks industry distribution chart, SouthState Bank ranks #96 out of 1610 companies for Moat Score. This places SouthState Bank in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. SouthState Bank's current Moat Score is 5. 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 Moat Score of 5. The stock's GF Value™ is €87.68, compared to a current price of €85.50 — trading 2.5% below its estimated fair value. The current Moat Score is 5. SouthState Bank's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For SouthState Bank (FRA:IV1), the current Moat Score is 5 as of Jul. 08, 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 undervalued. The current stock price of €85.50 is trading 2.5% below its estimated GF Value™ of €87.68.

Key valuation signals for FRA:IV1:

  • Moat Score: 5
  • GF Value™: €87.68 vs. price of €85.50 (2.5% below fair value)
  • GF Score™: 74/100 with 2 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

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€85.50
Price
€87.68
GF Value