SSB

AI Memo

SouthState Bank

As of 2026-01-24/Confidence medium

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Data freshness

AI Memo

As of 2026-01-24 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Action

—

Confidence

medium

Horizon

—

Key catalyst

Q4 / FY2025 earnings release • 2026-02-20

Expected move: +17%

Biggest risk

NIM compression, rising charge-offs or sustained deposit outflows force higher provisions and multiple contraction, pushing the stock toward the analyst low.

Invalidation

Break below $89 or thesis failure.

What would change my mind?

Franchise executes on loan growth and NIM stabilizes; credit remains benign and buybacks/CRO improve per-share metrics, justifying upside toward the high analyst target.

Research note

Recommendation

—

Confidence

medium

As of

2026-01-24

Base target

$111

p=60%

Bull target

$128

p=20%

Bear target

$89

p=20%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

Fed policy / rate path sensitivity
Credit cycle / CRE and commercial portfolio normalization
Franchise executes on loan growth and NIM stabilizes; credit remains benign and buybacks/CRO improve per-share metrics, justifying upside toward the high analyst target.

BearKey bullets

Commercial real estate deterioration
Deposit outflows or funding-cost spike
Higher-than-expected loan charge-offs

WatchKey bullets

Q4 / FY2025 earnings release

Summary

High-level snapshot

Recommendation

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $111 (p=60%)

Bull/Bear spread: +35% / -6%

Vs latest close: Bull +35% · Base +17% · Bear -6%

Scenario probabilities

Bull Target: $128 (p=20%)Base Target: $111 (p=60%)Bear Target: $89 (p=20%)

Commentary

Analyst coverage is modestly constructive: the median target sits roughly 11% above the anchor, supporting a base-case buy stance [#SERP-7]. The analyst range is wide and outcomes remain sensitive to NIM and credit trends, so near-term conviction is measured; upcoming earnings and Fed/rate signals are the primary sentiment drivers [#SERP-2][#SERP-9].

As of 2026-01-24 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Franchise executes on loan growth and NIM stabilizes; credit remains benign and buybacks/CRO improve per-share metrics, justifying upside toward the high analyst target.

Bear Case

NIM compression, rising charge-offs or sustained deposit outflows force higher provisions and multiple contraction, pushing the stock toward the analyst low.

Drivers

Scannable catalysts and supporting factors

Fed policy / rate path sensitivity
Credit cycle / CRE and commercial portfolio normalization

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-01-24Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$110.79

Range (USD)

$88.87 - $128.10

Count

Query: SouthState Bank Corp Common (SSB) analyst consensus price target high low average

SouthState Bank Corporation (SSB) Stock Price, News, Quote ...
Search result #1
Sector Avg. 100 High. Research Reports: SSB. View More. Raising target price to $107.00. SOUTHSTATE BANK CORP has an Investment Rating of BUY; a target price of ...
Extracted: $107.00Open source
SouthState Bank Corporation: Target Price Consensus and Analysts ...
Search result #2
Analysts' Consensus ; Mean consensus. BUY ; Number of Analysts. 13 ; Last Close Price. 88.87USD ; Average target price. 114.04USD ; Spread / Average Target. +28.32%.
Extracted: $88.87, $114.04Open source
South State Consensus Estimates (SSB) - Investing.com NG
Search result #3
According to projections from 14 analysts, the average 12-month price target for South State is 114.10714, with a high estimate of 125 and a low estimate of ...
Open source
SouthState Corporation (SSB) Stock Forecast, Price Targets and ...
Search result #4
The highest analyst price target is $122.00 ,the lowest forecast is $109.00. The average price target represents 14.98% Increase from the current price of $100 ...
Extracted: $122.00, $109.00, $100.00Open source
SSB Stock Forecast 2026 - South State Price Targets & Predictions
Search result #5
Based on our analysis of 17 Wall Street analysts, SSB has a bullish consensus with a median price target of $115.00 (ranging from $103.00 to $122.00). The ...
Extracted: $115.00, $103.00, $122.00Open source
SSB - SouthState Bank Corporation (NYSE) - Share Price and News
Search result #6
The average one-year price target for SouthState Bank Corporation is $116.61. The forecasts range from a low of $104.03 to a high of $128.10. A stock's price ...
Extracted: $116.61, $104.03, $128.10Open source

Scenarios

Bull Target (Scenario probability)

$128 / p=20% prob

Base Target (Scenario probability)

$111 / p=60% prob

Bear Target (Scenario probability)

$89 / p=20% prob

Price $95 as of 2026-05-29

Nearest Scenario: Bear (∆ 6%)

Targets vs latest close: Bull +35% · Base +17% · Bear -6%

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-02-20
Q4 / FY2025 earnings release
Quarterly results and guidance (loan growth, NIM, reserve build) will drive near-term re‑rating; market watches CET1 and charge-off commentary [#SERP-9].
Prob 80.00% • Move 7.00% • Priced-in 50.00%

Short-term Catalysts

Next few weeks

Fed policy / rate path sensitivity
2026-04-24
Short-term moves in the Fed funds outlook and steepness of the curve affect NIM and trading income; surprises could cause rapid re-pricing [#SERP-1].
Prob 40% • Move 10% • Priced-in 40%

Long-term Catalysts

Months to a year

Credit cycle / CRE and commercial portfolio normalization
2027-01-24
A longer-term shift in credit quality or CRE valuation could materially widen loss provisioning and lower franchise multiple; timing of deterioration is uncertain (assume window end) [#SERP-2].
Prob 50% • Move 15% • Priced-in 30%

Risks

Commercial real estate deterioration
Deposit outflows or funding-cost spike
Higher-than-expected loan charge-offs
Net interest margin compression
Regulatory or litigation actions affecting capital or operations

Peers

Symbol	Summary
TFC	Regional bank with diversified consumer/commercial mix; useful comparator for deposit and NIM sensitivity.
RF	Large regional franchise with similar exposure to CRE and middle-market lending.
MTB	Conservative credit posture peer; useful contrast on provision and capital management.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: SouthState Bank Corp Common (SSB) analyst consensus price target high low average
Analysis date: 2026-01-24

AI Stock Memo: SSB - SouthState Bank - RankAlpha