SouthState Bank (SSB) Stock: Buy, Sell, or Hold?
SSB - SouthState Bank Corporation
$101.91
1.30 (1.29%)
▲
5d:
-0.54%
30d:
-4.12%
90d:
+1.06%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 28, 2026
25d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SSB is fairly valued with market pricing in 0.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: SSB is fairly valued with market pricing in 0.2% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$137.55
Based on 6.7% avg growth
INTRINSIC VALUE TODAY
$85.41
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SSB is currently trading at $101.91, which is considered oversold relative to its 30-day fair value range of $101.97 to $106.55. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (9.6). At these levels, the market is pricing in 0.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SSB is in a strong uptrend. The price is approaching resistance at $104.33. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SSB scores 78/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $119.50 (+18.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SSB is in a strong uptrend. The price is approaching resistance at $104.33. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SSB scores 78/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $119.50 (+18.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$101.97 -
$106.55
Company Quality Score
68/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
89.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (78/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($119.50)
- NEUTRAL: Market pricing in 0.2% annual earnings growth - fairly valued
- CAUTION: Bottoming setup, but lagging the sector by 19% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$101.97 -
$106.55
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$97.59
Resistance Level
$104.33
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.70
Wall Street Target
$119.50
(+18.8%)
Revenue Growth (YoY)
-0.1%
Earnings Growth (YoY)
11.4%
Profit Margin
35.5%
Valuation Premium vs History
+0.2% premium
PE vs Historical
9.7 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.2%
(market-implied from PE analysis)
1-Year Target
$100.81
(+0%)
2-Year Target
$101.01
(+0%)
3-Year Target
$101.21
(+1%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$100.13
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 9.4%)
$277.20
(+176%)
Base:
(SPY PE: 9.7, Growth: 9.4%)
$131.85
(+31%)
Bear:
(PE: 8.2, Growth: 9.4%)
$112.08
(+11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.46 | Current EPS (TTM): $9.52
Bull Case
$119.27
(+19%)
Analyst growth 8.9%, PE expands to 11.5
Base Case
$108.43
(+8%)
Market implied 8.9%, PE stable at 10.5
Bear Case
$67.70
(-33%)
Severe decline -20.0%, PE contracts to 8.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 3:58 PM ET
Data refreshes hourly during market hours. Next update: 4:58 PM
Data refreshes hourly during market hours. Next update: 4:58 PM
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Technical Signals Check
Is SSB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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