Stock Ratings / Financials / SSB / insiders

UMBF (67) WTFC (70) BPOP (67) CFR (60) ⌘ Pro Terminal →

SouthState Bank Corporation (SSB) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$105.17 -0.88% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $104.80

SouthState Bank Corporation (SSB) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $10.20B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SSB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, SouthState Bank Corporation (NYSE: SSB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $105.17 (-0.88% 1D, market cap $10.20B). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, SSB ranks #383 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SSB compare to UMBF and WTFC in the Financials sector?

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Within the Financials sector (Major Banks), SSB carries a Roarable C- (60/100 RQD), trailing P/E of 12.9x, gross margin of —, and ROIC of 3.0%. By comparison, UMBF (UMB Financial Corporation) holds a C+ grade (67/100 RQD, P/E 14.7x, ROIC 2.5%, cap $10.21B) and WTFC (Wintrust Financial Corporation) posts a B- grade (70/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.28B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SSB?

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Per SSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000764038), SouthState Bank Corporation generated $0 in revenue, $798.7M in net income, and $230.6M in free cash flow against $67.20B in total assets and $26.16B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $104.80 (-0.35%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 5/20 (E) • 5.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SSB)Realized 20D OHLCV Swing Band: ±4.2%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY SSB SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+15/20 pts (25% of score)

20D Institutional Volume Accumulation (±4.2% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (25% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Cash Engine Quality5/20 pts (-15 pt drag)

Capital intensity & 0% operating margin leave 15 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$99.17+3.6% Next Q

Q2 (-2Q)

Grade C$102.78+2.1% Next Q

Q3 (-1Q)

Grade C$104.95+0.2% Next Q

Current

Grade C-$105.17+0.4% Hist 90D α

Trajectory: C- (52) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SSB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, SSB faces multiple-compression risk if 12.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 15.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($103.55) or 200D SMA ($100.35) invalidates the momentum regime and cuts Target Base ($106.12) toward Bear Floor ($82.77).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SSB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SSB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 60%NO 40%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

SSB Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (SSB)

No recent open-market Form 4 cluster sales or emergency dumps flagged on SSB. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SSB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SSB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.03%▲ ASCENDING TRIANGLE

2026-11-03O $106.1H $106.1L $105.2C $105.2VOL 936.6K

RES: $107.6SUP: $98.99SMA50: $103.6SMA200: $100.4

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SSB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SSB Butterfly Map → + Track SSB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

4.0%/yr Implied 5Y Growth

vs. +23.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SSB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SSB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SSB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SSB)

Financials Rank #383 of 1096 ⚔️ UMBF vs SSB Full Matrix →

1. Head-to-Head Financials Peer Comparison (SSB vs. UMBF, WTFC, BPOP, CFR)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, SouthState Bank Corporation (SSB) ranks #383 by composite RQD confidence (60/100, grade C-) and #182 by equity capitalization ($10.20B). Within this direct 5-issuer industry benchmark cohort, BPOP leads on earnings valuation at 12.1x trailing P/E, while CFR leads on capital efficiency and profitability with 3.4% ROIC and — gross margin. WTFC currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with SSB at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SSB ACTIVE SouthState Bank Corporation	C-	60/100	12.9x	—	3.0%	-0.88%	$10.20B	Benchmark Subject
UMBF UMB Financial Corporation	C+	67/100	14.7x	—	2.5%	-1.24%	$10.21B	/umbf-vs-ssb →
WTFC Wintrust Financial Corporation	B-	70/100	12.6x	—	3.1%	-1.13%	$10.28B	/wtfc-vs-ssb →
BPOP Popular Inc.	C+	67/100	12.1x	—	3.1%	-1.19%	$9.99B	/bpop-vs-ssb →
CFR Cullen/Frost Bankers Inc.	C-	60/100	15.1x	—	3.4%	-0.16%	$9.80B	/cfr-vs-ssb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000764038

In its most recent audited fiscal period (FY2025, filed 2025-12-31), SouthState Bank Corporation (SSB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $798.7M, operating cash flow of $300.8M, and free cash flow of $230.6M (-51.6% YoY). On the balance sheet, SSB closed FY2025 with $67.20B in total assets against $26.16B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$798.7M	$300.8M	$230.6M	$67.20B	$26.16B
FY2024 (FY)	2024-12-31	$0	$534.8M	$512.0M	$476.2M	$46.38B	$18.22B
FY2023 (FY)	2023-12-31	$0	$494.3M	$546.8M	$546.8M	$5.66B	$1.32B

3. SSB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SSB compare to UMBF and WTFC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for SSB?

Where is SSB trading relative to its 50-day, 200-day, and 52-week technical levels?

SSB last traded at $105.17 (-0.88% on volume of 936,644 shares), positioning the stock +1.56% above its 50-day simple moving average ($103.55) and +4.80% above its 200-day simple moving average ($100.35). Across its 52-week range of $84.48 to $112.20, SSB sits at the 74.6% percentile with a 14-day RSI of 56.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.2% ($100.75 to $109.59).

SSB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are SSB insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies SSB leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: SSB RQD Cockpit SSB 12M Forecast SSB Earnings & Move SSB Dividends & DRIP SSB Insiders & 13F SSB Whale Options SSB Profit Sankey SSB News & Why

ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ STAGE-C NUMBER FIREWALL VERIFIED

SSB — SouthState Bank Corporation: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:16:28Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, SSB scores 61 out of 100, a C- grade labeled "Roarable Hold — Cautious Neutral." The five pillars are:

Fundamental Cash Engine: 5 / 20. This is the weakest pillar and is driven by ROIC of 3% and a FCF yield of 2.24%. For an investor, this signals that the cash generated relative to capital deployed is modest, so the investment case depends less on cash-return compounding and more on other factors.
Whale 13F Flow: 15 / 20. The rating describes institutional accumulation and options positioning as a moderate positive, though the source does not provide the underlying 13F detail.
Insider Conviction: 14 / 20. Per the rating, SEC Form 4 and Congressional PTR cluster flow is moderately supportive. Source-level transaction detail is not available in the holders section.
Macro Regime Fit: 12 / 20. With beta of 1.04, the stock tracks market volatility closely, and the rating notes sector sensitivity as a constraint in the current regime.
Forensic Balance Sheet: 15 / 20. Altman Z of 2.5, Piotroski F of 7/9, and Debt/Equity of 0.5 indicate a reasonably sound balance sheet relative to the scoring framework.

Investor implications. Upside drivers in the data include the balance-sheet strength, moderate institutional and insider positioning, and a forward P/E of 10.8 below the trailing P/E of 12.9, which implies expected earnings growth. The valuation tradeoff is that EV/EBITDA of 25.8 is elevated relative to the trailing and forward P/E multiples, and ROIC of 3% limits how much value each dollar of capital creates. The stock's 52-week range of $84.48 to $112.2 places the current price of $106.1 in the upper portion of that range. The overall verdict of Hold reflects balanced evidence rather than a directional call.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
$106.1	$10.29B	12.9	10.8	25.8	8.24	2.25%	1.04	$84.48 - $112.2	3%

Recent Catalysts & News Wire Analysis

Per the recent news feed, the catalysts are:

A conference participation announcement (BancAnalysts Association of Boston), sourced to Yahoo Finance.
A 2026 Q3 earnings call presentation dated 2026-10-22, sourced to Seeking Alpha.
A report that loans and deposits each grew at a 9% annualized rate, sourced to Stock Titan.
A MarketBeat item citing an average price target of $118.92.
Forecast, valuation, and screening commentary from Yahoo Finance and Simply Wall St.

All six items are tagged YELLOW with a MARKET WIRE impact label, indicating moderate rather than high-impact classification. Risk watch items are Not available in source data beyond the rating's sector-sensitivity note. Per the Butterfly Supply-Chain Graph, supply chain status is NONE, with no butterfly links and no proprietary signals.

Open Questions

What is the composition of the FY 2025 debt increase from $1324.2M to $26162.2M, and does it reflect acquisitions, deposits, or borrowings?
Why did free cash flow decline from $546.8M to $230.6M while net income rose, and what drove the gap?
What are the specific insider and institutional transactions underlying the Insider Conviction and Whale Flow pillar scores?
What is the analyst consensus rating and distribution of price targets behind the $118.92 average cited in the news feed?
What are the underlying revenue and EPS figures, since the reported revenue and EPS fields are blank or zero?

SSB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for SouthState Bank Corporation (SSB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SSB Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 18h ago

SouthState Bank Corporation to Participate in BancAnalysts Association of Boston Conference

Yahoo Finance report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 21h ago

SouthState Bank Corporation 2026 Q3 - Results - Earnings Call Presentation (NYSE:SSB) 2026-10-22

Seeking Alpha report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Loans and deposits each grew at a 9% annualized rate at SouthState

Stock Titan report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

SouthState Bank Corporation (NYSE:SSB) Stock Has Average Price Target of $118.92 According to Brokerages

MarketBeat report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

SouthState Bank Corporation (SSB) Stock Forecasts

Yahoo Finance report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

SouthState Bank And 2 More Undervalued Stocks To Watch

Simply Wall St report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST MarketBeat • 1d ago

SouthState Bank Corporation $SSB Stock: Leeward Investments LLC MA Raises Position

MarketBeat report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Earnings Resilience Could Be A Game Changer For SouthState Bank Stock (SSB)

Simply Wall St report covering SouthState Bank Corporation (SSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SSB Bull vs. Bear Conversation Board — What's Your Call at $105.17?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SSB 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $114.59 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is SSB (C- • RQD 61/100) a Buy at $106.10?

Welcome to the SSB (SouthState Bank Corporation) Roar Pit. Current RQD Composite is 61/100 (Roarable Hold — Cautious Neutral) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $83.82 (-21.0%)

Spot @ $106.10

Pump the brakes on SSB — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on SSB, but look at what you are paying: 12.9x trailing P/E with tightening sector spreads. Unless SouthState Bank Corporation expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

QU QuantViper Verified K Arena Trader 🐂 BULLISH 🎯 Target: $131.56 (+24.0%)

Spot @ $106.10

SSB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on SSB, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $106.10 (52-wk range $84.48 - $112.20), any beat on forward guidance forces shorts and underweight funds to chase.