The earnings call was largely positive, highlighting significant loan production growth, strong financial performance metrics, and strategic advancements. This was slightly offset by earlier loan growth challenges and higher paydowns, but the overall sentiment leans towards optimism for future growth.

Company Guidance

During the SouthState Corporation Q2 2025 Earnings Conference Call, the company provided several key metrics highlighting its strong financial performance. The bank reported a significant increase in loan production, with a 57% rise from $2 billion to over $3 billion in the second quarter, driven by notable growth in Texas and Colorado. The return on assets was 1.45%, and the return on tangible common equity was nearly 20%, adjusted for merger costs. The net interest margin (NIM) increased to 402 basis points, with net interest income growing by $33 million over Q1. The cost of deposits improved by 5 basis points to $1.84, and loan yields climbed 8 basis points to 633. The bank's efficiency ratio was 49.1%, and its tangible book value per share increased by 8.5% from the previous year. Additionally, the Board of Directors approved an 11% dividend increase, reflecting confidence in the bank's capital position and growth prospects.

Significant Increase in Loan Production

Loan production increased by 57% from $2 billion to over $3 billion in Q2, with notable growth in Texas and Colorado by 35%.

Strong Financial Performance Metrics

Adjusted return on assets was 1.45% and return on tangible common equity nearly 20%. Efficiency ratio improved to 49.1% for the quarter.

Improvement in Net Interest Margin

Net interest margin was strong at 4.02%, significantly above previous guidance of 3.80% to 3.90%.

Increased Dividend

The Board of Directors increased the dividend by 11% due to strong earnings growth and capital levels.

Positive Employee and Customer Engagement

High rankings in J.D. Power's Net Promoter Score and employee engagement surveys.

SouthState Corporation (SSB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SSB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 22, 2025	2025 (Q3)	2.10 / -	1.86	―	―	―
Jul 24, 2025	2025 (Q2)	1.85 / 2.11	1.73	21.97% (+0.38)
Apr 24, 2025	2025 (Q1)	0.97 / 0.87	1.5	-42.00% (-0.63)
Jan 23, 2025	2024 (Q4)	1.65 / 1.87	1.39	34.53% (+0.48)
Oct 23, 2024	2024 (Q3)	1.60 / 1.86	1.62	14.81% (+0.24)
Jul 24, 2024	2024 (Q2)	1.54 / 1.73	1.62	6.79% (+0.11)
Apr 25, 2024	2024 (Q1)	1.54 / 1.50	1.83	-18.03% (-0.33)
Jan 25, 2024	2023 (Q4)	1.34 / 1.39	1.88	-26.06% (-0.49)
Oct 26, 2023	2023 (Q3)	1.64 / 1.62	1.75	-7.43% (-0.13)
Jul 27, 2023	2023 (Q2)	1.83 / 1.62	1.57	3.18% (+0.05)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SSB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$96.58	$97.26	+0.70%
Apr 24, 2025	$88.63	$86.27	-2.66%
Jan 23, 2025	$96.87	$101.86	+5.15%
Oct 23, 2024	$94.48	$95.86	+1.46%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does SouthState Corporation (SSB) report earnings?

SouthState Corporation (SSB) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).

What is SouthState Corporation (SSB) earnings time?

SouthState Corporation (SSB) earnings time is at Oct 22, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SSB EPS forecast?

SSB EPS forecast for the fiscal quarter 2025 (Q3) is 2.1.

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