Filing Flows › Financials › SouthState Bank (SSB)
SouthState Bank (SSB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · SouthState Bank (SSB) Q3 2026 earnings results →
Q3 2026 Revenue down 2% year over year to $685M · 33¢ of every $1 of revenue kept as net profit · operating margin 42.4%
SouthState Bank made $685M in Q3 2026 (-2% Y/Y): Net interest income $592M, Noninterest income $93.9M. Operating margin 42.4%, net earnings $224M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $685.4M in Q3 2026, down 2% year over year and up 2% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income lost $8.2M year over year (down 1%), 61% of the total change.
Operating profit was $290.3M, a 42.4% margin (down 3.6 points year over year). Total costs grew 5% against a revenue fall of 2%. The fastest-growing cost line was Credit loss provision (+300%). Net earnings were $223.8M, down 9% year over year. The effective tax rate was 22.9%.
Operating cash flow was $759.9M (up 521% year over year), 340% of net earnings. Non-cash charges added back $10.4M of share-based compensation. Working capital and other items added $525.7M. Capital expenditures of $20.9M left free cash flow of $739.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 30, 2026 | $685M | -2% | 42.4% | $224M | $760M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About SouthState Bank
SouthState Bank Corporation (“We,” “Our,” “SouthState” or the “Company”) is a financial holding company headquartered in Winter Haven, Florida. During the third quarter of 2025, the Company was redomiciled to the state of Florida by merging SouthState Corporation, a South Carolina corporation, with and into SouthState Bank Corporation, a Florida corporation that was wholly-owned by SouthState Corporation prior to such merger, and adopting its name. We provide a wide range of banking services and products to our customers through our wholly owned bank subsidiary, SouthState Bank, National Association (the “Bank”), a national banking association, from our headquarters branch in Winter Haven, Florida and, as of December 31, 2025, a 342-branch network located throughout Florida, South Carolina, Texas, Georgia, Colorado, North Carolina, Alabama, and Virginia.
In its own words, from its 10-K, filed Feb 20, 2026.
SouthState Bank against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: -2% against the peers' median +10%. Operating margin: 42.4% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SSB SouthState Bank | Q3 2026 | $685M | -2% | 42.4% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: SouthState Bank 10-Q on SEC EDGAR · CIK 764038 · State Commercial Banks
Guidance and outlook
13F: who owns SSB and who is buying
More on SSB
History
Every quarter: Q3 2026 results