The earnings call highlighted strong loan production growth, improved financial metrics, and operational efficiency, alongside a successful integration and increased dividend. However, there are concerns about future deposit costs and ongoing economic uncertainty. Despite these challenges, the overall sentiment is positive due to the significant achievements and growth potential.

Company Guidance -

Q3 2025

In the SouthState Corporation Q2 2025 earnings call, several key metrics highlighted the company's financial health and strategic progress. The call revealed that the recent independent financial transaction was projected to boost earnings per share by 27%, and in Q2, loan production increased by 57%, with loan yields improving by 8 basis points from Q1. The bank's return on assets was reported at 1.45%, and return on tangible common equity was nearly 20%. SouthState achieved a net interest margin of 402 basis points, outperforming their 380-390 guidance, and increased their dividend by 11% due to robust earnings and capital levels. The efficiency ratio was recorded at 49.1%, and the tangible book value per share increased by 8.5% from the previous year. Additionally, the bank's J.D. Power Net Promoter Score ranked in the top quartile, and employee engagement was in the top 10% of financial institutions nationwide.

Significant Increase in Loan Production

Loan production increased by 57% from $2 billion to over $3 billion in Q2, notably in Texas and Colorado with a 35% increase and $200 million growth in non-PCD loans.

Strong Financial Metrics

Return on assets was 1.45% and return on tangible common equity nearly reached 20% for the quarter.

Improved Net Interest Margin

The net interest margin (NIM) showed a 17 basis point improvement, reaching 402, which exceeded the guidance range of 380 to 390.

Operational Efficiency

The efficiency ratio improved to 49.1%, bringing the year-to-date ratio below 50%.

Dividend Increase

The Board of Directors approved an 11% increase in the quarterly dividend.

Tangible Book Value Growth

Tangible book value per share increased by 8.5% year-over-year to $51.96.

Strong Employee and Customer Satisfaction

High rankings in customer and employee satisfaction surveys, with top quartile Net Promoter Score and top 10% employee engagement.

Successful Integration

Successful conversion and integration of the independent financial transaction, enhancing presence in Texas and Colorado.

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

Daily Earnings Calendar >

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	$97.22	$97.90	+0.70%
Apr 24, 2025	$89.21	$86.83	-2.67%
Jan 23, 2025	$97.50	$102.53	+5.16%
Oct 23, 2024	$95.10	$96.50	+1.47%

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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