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SouthState Bank Corporation (SSB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$106.10 +1.10% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

SouthState Bank Corporation (SSB) carries a Roarable Rating of C- (Hold) with 61/100 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.

ROARABLE C- • HOLD / WATCH Cap $10.29B

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INTERACTIVE SCENARIO DECK:

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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+1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SSB)Realized 20D OHLCV Swing Band: ±4.3%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How SSB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$230.6M (5.8% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	0%	23.6%	$798.7M	$230.6M	2.7%
FY 2024	$4.00B	0%	15.8%	$534.8M	$476.2M	2.6%
FY 2023	$4.00B	0%	14.6%	$494.3M	$546.8M	13.5%

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SSB)

✓Walkthrough of SSB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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SSB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.99%⚡ TESTING RESISTANCE

2026-11-01O $105.0H $106.1L $105.0C $106.1VOL 523.4K

RES: $107.6SUP: $98.86SMA50: $103.6SMA200: $100.3

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 →

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

AI Analyst Theses, Washington Policy & Company Video

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

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

Financials Rank #172 of 287 ⚔️ UMBF vs SSB Full Matrix →

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

Industry: Major Banks (49 Tracked Issuers)

Across 287 tracked Financials securities in the Roarable RQD universe, SouthState Bank Corporation (SSB) ranks #172 by composite RQD confidence (61/100, grade C-) and #178 by equity capitalization ($10.29B). 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 72/100 (B) compared with SSB at 61/100 (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-	61/100	12.9x	—	3.0%	+1.10%	$10.29B	Benchmark Subject
UMBF UMB Financial Corporation	B-	71/100	14.7x	—	2.5%	+2.89%	$10.34B	/umbf-vs-ssb →
WTFC Wintrust Financial Corporation	B	72/100	12.6x	—	3.1%	+2.56%	$10.40B	/wtfc-vs-ssb →
BPOP Popular Inc.	B-	70/100	12.1x	—	3.1%	+0.39%	$10.11B	/bpop-vs-ssb →
CFR Cullen/Frost Bankers Inc.	C-	61/100	15.1x	—	3.4%	+0.54%	$9.81B	/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?

As of 2026-11-01, SouthState Bank Corporation (NYSE: SSB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $106.10 (+1.10% 1D, market cap $10.29B). Pillar breakdown: Fundamental Cash Engine 5/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 14/20. Across 287 tracked Financials issuers, SSB ranks #172 in composite RQD confidence.

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

Within the Financials sector (Major Banks), SSB carries a Roarable C- (61/100 RQD), trailing P/E of 12.9x, gross margin of —, and ROIC of 3.0%. By comparison, UMBF (UMB Financial Corporation) holds a B- grade (71/100 RQD, P/E 14.7x, ROIC 2.5%, cap $10.34B) and WTFC (Wintrust Financial Corporation) posts a B grade (72/100 RQD, P/E 12.6x, ROIC 3.1%, cap $10.40B). Among the 5-stock peer group, BPOP leads on earnings multiple (12.1x) while CFR leads on capital efficiency (3.4% ROIC).

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

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.

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

SSB last traded at $106.10 (+1.10% on volume of 523,373 shares), positioning the stock +2.42% above its 50-day simple moving average ($103.59) and +5.81% above its 200-day simple moving average ($100.27). Across its 52-week range of $84.48 to $112.20, SSB sits at the 78.0% percentile with a 14-day RSI of 61.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.3% ($101.54 to $110.66).

SSB Investor FAQ & Complete 8-Part Research Index

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How profitable is SouthState Bank Corporation (SSB)?

In FY 2025 (10-K), SSB converted $4.0B of revenue into a 0% gross margin, 0% operating margin, and $230.6M in free cash flow (5.8% FCF margin).

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