SouthState Bank Corporation (SSB) Fair Value 2026

SSB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.7 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-31, SouthState Bank Corporation (SSB) trades at $104.89, versus a $88.72 median fair value across its 5 active models — 15.4% below the current price. QOC: 8.7/10. Value Trap Risk: 6/100 (SAFE). 5/13 models active.

Key Facts

Ticker
SSB
Price
$104.89
Quality Score
8.7/10
Value Trap Risk
6/100
Models Active
5/13
Last Updated
Strength: Quality Score of 8.7/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is SouthState Bank Corporation (SSB) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, SouthState Bank Corporation (SSB) appears overvalued as of : the median of 5 independent fair value estimates is $88.72, 15.4% below the current price of $104.89. Estimates range from $68.42 to $157.49. SSB scores 8.7/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.1% versus its own 13-model consensus, across 3,804 rated companies as of 2026-08-31. SSB’s -15.4% gap is narrower than that market norm, and the Banks - Regional sector median is -21.5%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy SouthState Bank Corporation Stock in 2026? →

What Fair Value Does Each Model Give SSB?

5 Intrinsic Value Models vs. Current Price ($104.89)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $88.72 -15.4%
Intrinsic · High Conviction
 $68.42 -34.8%
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What Is SSB's Fair Value Range?

Spread across 5 independent models · $68.42 to $157.49

CirclFi's 5 active models place SouthState Bank Corporation (SSB) between $68.42 and $157.49 per share, a spread of 100% of the median. The median of that range — $88.72 — is the fair value CirclFi publishes for SSB, against a current price of $104.89.

Low · Markov DDMHigh · Regime Cross
$68.42median $88.72$157.49
Where the range comes from
Most bearish modelMarkov DDM$68.42
Most bullish modelRegime Cross-Sectional$157.49
Model agreement1 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for SSB. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on SSB, not a CirclFi price target. How each model works →

What Is SouthState Bank Corporation (SSB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, SouthState Bank Corporation's intrinsic value is estimated at $88.72. Trading at its current price of $104.89, the valuation engine raises significant caution: 4 of 5 models flag downside risk, projecting a median implied return of -15.4%. Notably, Regime Cross sees the most upside at +50.1% (fair value: $157.49), while Markov DDM is the most conservative at -34.8% ($68.42). The spread between these extremes — +84.9% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About SSB?

5 of 13 models are currently active for SSB. Of these, 1 model suggests upside while 4 models suggest overvaluation. Taken together, their median fair value for SSB is $88.72 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SSB Rank in Banks - Regional?

Among 352 Banks - Regional stocks, SSB ranks #23 by Quality of Company score. CirclFi's QOC score of 8.7/10 evaluates 32 fundamental signals. A score of 8.7 places SSB in the top tier.

See all Most Undervalued Banks - Regional Stocks →

SouthState Bank Corporation's positioning within the Banks - Regional segment means that CET1 capital ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.

Is SSB a Value Trap?

CirclFi's Value Trap algorithm assigns SSB a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for SouthState Bank Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, SouthState Bank Corporation scores 8.7 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +84.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SSB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SSB's 5 active models, average confidence is 38%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy SouthState Bank Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CHCOCity Holding CompanyQOC 8.7ONBOld National BancorpQOC 8.7EFSCEnterprise Financial Services CorpQOC 8.7SLBKSkyline Bankshares, Inc.QOC 8.7NRIMNorthrim BanCorp, Inc.QOC 8.8NWPPNew Peoples Bankshares, Inc.QOC 8.7CTBICommunity Trust Bancorp, Inc.QOC 8.3NUNu Holdings Ltd.QOC 7.9PROVProvident Financial Holdings, Inc.QOC 7.2STBAS&T Bancorp, Inc.QOC 9.3ESQEsquire Financial Holdings, Inc.QOC 9.1

Read investment analysis: CHCO · ONB · EFSC · SLBK · NRIM · NWPP · CTBI · NU · PROV · STBA · ESQ

Which Other Stocks Have a Similar Quality Score to SSB?

7 companies across all industries closest to SSB’s Quality of Company score of 8.7/10.

MCKMcKesson CorporationQOC 8.7CHHChoice Hotels International, Inc.QOC 8.7TDWTidewater Inc.QOC 8.7AMZNAmazon.com, Inc.QOC 8.7ECLEcolab Inc.QOC 8.7ULTAUlta Beauty, Inc.QOC 8.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: MCK · CHH · TDW · AMZN · ECL · ULTA · NVDA

Where Does SSB Sit in CirclFi's Banks - Regional Rankings?

SSB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About SouthState Bank Corporation’s Valuation?

What is SouthState Bank Corporation's intrinsic value in 2026?

CirclFi puts SouthState Bank Corporation (SSB)'s intrinsic value at $88.72 — the median of 5 independent model estimates as of 2026-08-31, ranging from $68.42 to $157.49. The Quality of Company score is 8.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SSB overvalued or undervalued right now?

At $104.89, 1 of 5 active models suggest SSB may be undervalued, while 4 indicate potential overvaluation. The median of all 5 fair value estimates is $88.72, 15.4% below the current price of $104.89 — a consensus view that SSB is overvalued. The assessment depends on which methodology best fits SouthState Bank Corporation's business model in Banks - Regional.

What does a Quality of Company score of 8.7 mean for SSB?

SouthState Bank Corporation's QOC of 8.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on SSB?

CirclFi analyzes SSB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SSB?

Of the 5 models currently active on SSB, Regime Cross-Sectional is the most bullish at $157.49 per share, and Markov DDM is the most bearish at $68.42. CirclFi's published fair value for SSB is the median of that range, $88.72, not either extreme. The gap between the two ends equals 100% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is SSB a value trap in 2026?

SouthState Bank Corporation's Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, SouthState Bank Corporation (SSB) has a median fair value of $88.72 — 15.4% below the current price of $104.89 — as of 2026-08-31.” Source: circlfi.com/stock/SSB/ · Methodology
Primary sources for this SSB valuation
  • Financial statements: SouthState Bank Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000764038) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for SSB as of ; valuations recomputed .

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