The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-08), SouthState Bank's share price is €85.50. SouthState Bank's Book Value per Share for the quarter that ended in Mar. 2026 was €79.76. Hence, SouthState Bank's PB Ratio of today is 1.07.
The historical rank and industry rank for SouthState Bank's PB Ratio or its related term are showing as below:
FRA:IV1'
s PB Ratio Range Over the Past 10 Years
Min: 0.62 Med: 1.16 Max: 1.96
Current: 1.08
During the past 13 years, SouthState Bank's highest PB Ratio was 1.96. The lowest was 0.62. And the median was 1.16.
FRA:IV1's PB Ratio is ranked better than 51.88% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs FRA:IV1: 1.08
During the past 12 months, SouthState Bank's average Book Value Per Share Growth Rate was 8.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.10% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 5.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of SouthState Bank was 21.70% per year. The lowest was -1.60% per year. And the median was 9.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
SouthState Bank PB Ratio Related Terms
SouthState Bank PB Ratio Historical Data
* Premium members only.
The historical data trend for SouthState Bank's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, SouthState Bank's PB Ratio distribution charts can be found below:
* The bar in red indicates where SouthState Bank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
SouthState Bank's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
SouthState Bank (FRA:IV1) has a PB Ratio of 1.07 as of Jul. 08, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SouthState Bank and its competitors. This is near median its historical median of 1.16. Over the past decade, SouthState Bank's PB Ratio has ranged from 0.62 to 1.96. According to the industry distribution chart, SouthState Bank ranks #730 out of 1517 companies in the Banks industry, placing it in the top 48.1%.
Is SouthState Bank's PB Ratio too high?
SouthState Bank's current PB Ratio of 1.07 is near median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.96. The Banks industry median PB Ratio is 1.10. SouthState Bank's value of 1.07 is 2.7% below this industry median. Based on the distribution chart, SouthState Bank ranks #730 out of 1517 companies in the Banks industry, which is above the industry midpoint. 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 PB Ratio compare to ONB and CFR?
According to the Banks industry distribution chart, SouthState Bank ranks #730 out of 1517 companies for PB Ratio. This puts SouthState Bank in the upper half of its industry. The industry median PB Ratio is 1.10. SouthState Bank's value of 1.07 is 2.7% below this benchmark. Historically, SouthState Bank's own PB Ratio has ranged from 0.62 to 1.96 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 1.10, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SouthState Bank's current PB Ratio of 1.07 is 2.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SouthState Bank and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SouthState Bank's current PB Ratio is 1.07, which is near median its own 10-year median of 1.16. 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 PB Ratio of 1.07. 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 PB Ratio is 1.07, which is near median its 10-year median of 1.16 and 2.7% below the Banks industry median of 1.10. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For SouthState Bank (FRA:IV1), the current PB Ratio is 1.07 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:
PB Ratio: 1.07 (near median its 10-year median of 1.16)
GF Value™: €87.68 vs. price of €85.50 (2.5% below fair value)
Industry Position: 2.7% below the Banks median (#730 of 1517)
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 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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