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SouthState Bank cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$739M in Q3 2026 · $1.5B over twelve months

Operating cash flow$760M
Capital spending−$20.9M
Free cash flow+$739M
Cash / net income3.4×

Analysis

In Q3 2026, SouthState Bank generated $760M of operating cash flow and spent $20.9M on capital projects, leaving free cash flow of $739M. That is $637M more than in Q3 2025 ($102M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.6B; the largest uses were other investing ($4.7B), buybacks ($466M), dividends ($242M); besides operations, cash came from other financing ($3.8B), shares issued ($7.2M); the cash balance fell by $170M.

Operating cash flow was $760M against net income of $224M — 3.4× profit, cash ran ahead of reported earnings. The largest differences: other liabilities +$25.5M, income taxes payable −$16.4M, deferred taxes −$12.4M.

Free cash flow

SouthState Bank: free cash flow by quarterSouthState Bank: free cash flow by quarter$341MQ4 2024−$139MQ1 2025$52.5MQ2 2025$102MQ3 2025$215MQ4 2025$283MQ1 2026$260MQ2 2026$739MQ3 2026
Operating cash flow less capital spending.
SouthState Bank: operating cash flow against capital spendingSouthState Bank: operating cash flow against capital spendingOperating cash flowCapital spending$354M$13.4MQ4 2024−$126M$12.8MQ1 2025$72.6M$20.1MQ2 2025$122M$20.7MQ3 2025$232M$16.6MQ4 2025$299M$16.1MQ1 2026$274M$13.8MQ2 2026$760M$20.9MQ3 2026
Latest (Q3 2026): Operating cash flow $760M, Capital spending $20.9M.

Capital allocation, year by year

SouthState Bank: where the cash came from (up) and went (down), by fiscal yearSouthState Bank: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $416MFY2021: Net borrowing −$427KFY2021: Shares issued $5.3MFY2021: Asset sales $8.5MFY2021: Capital spending −$28.4MFY2021: Acquisitions −$39.9MFY2021: Buybacks −$147MFY2021: Dividends −$135M$429MFY2021FY2022: Operating cash flow $1.7BFY2022: Net borrowing −$434KFY2022: Shares issued $4.4MFY2022: Asset sales $6.1MFY2022: Capital spending −$17.7MFY2022: Acquisitions $250MFY2022: Buybacks −$119MFY2022: Dividends −$147M$2.0BFY2022FY2023: Operating cash flow $547MFY2023: Net borrowing −$449KFY2023: Shares issued $5.7MFY2023: Asset sales $856KFY2023: Capital spending −$38.9MFY2023: Buybacks −$16.1MFY2023: Dividends −$156M$553MFY2023FY2024: Operating cash flow $512MFY2024: Net borrowing −$477KFY2024: Shares issued $8.8MFY2024: Asset sales $373KFY2024: Capital spending −$35.8MFY2024: Buybacks −$16.8MFY2024: Dividends −$163M$521MFY2024FY2025: Operating cash flow $301MFY2025: Net borrowing −$485KFY2025: Shares issued $5.5MFY2025: Asset sales $997KFY2025: Capital spending −$70.3MFY2025: Buybacks −$236MFY2025: Dividends −$231M$307MFY2025
Over these 5 years operating cash flow totalled $3.5B; the largest uses were dividends ($832M) and buybacks ($535M). Cash-flow statements as filed.

Where the cash came from and went

SouthState Bank: sources (+) and uses (−) of cash, Q3 2026SouthState Bank: sources (+) and uses (−) of cash, Q3 2026Other investing−$1.2BOther financing$1.2BOperating cash flow$760MCash drawn (+) / kept (−)−$624MDividends−$64.0MBuybacks−$26.3MCapital spending−$20.9MShares issued$1.7MAsset & business sales$347KNet borrowing (+) / repaid (−)−$124K
SouthState Bank: sources (+) and uses (−) of cash, TTM to Q3 2026SouthState Bank: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$4.7BOther financing$3.8BOperating cash flow$1.6BBuybacks−$466MDividends−$242MCash drawn (+) / kept (−)$170MCapital spending−$67.4MShares issued$7.2MNet borrowing (+) / repaid (−)−$492KAsset & business sales$412K

From profit to cash

SouthState Bank: net income to operating cash flow, Q3 2026SouthState Bank: net income to operating cash flow, Q3 2026Net income$224MStock-based pay$10.4MDeferred taxes−$12.4MGains on disposals$6KPrepaid and other assets−$10.0MOther liabilities$25.5MIncome taxes payable−$16.4MOperating cash flow$760M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$760M−$20.9M−$26.3M−$64.0M−$124K$1.7M−$624M$739M
Q2 2026$274M−$13.8M−$98.0M−$58.2M−$123K$1.4M$517M$260M
Q1 2026$299M−$16.1M−$160M−$60.1M−$123K$1.7M$305M$283M
Q4 2025$232M−$16.6M−$182M−$60.0M−$122K$2.4M−$28.0M$215M
Q3 2025$122M−$20.7M−$43.0M−$60.6M−$122K$1.4M$320M$102M
Q2 2025$72.6M−$20.1M−$97K−$54.8M−$121K$1.2M−$164M$52.5M
Q1 2025−$126M−$12.8M−$11.2M−$55.8M−$121K$423K−$1.9B−$139M
Q4 2024$354M−$13.4M−$75K−$41.2M−$120K$3.2M−$179M$341M

SouthState Bank: income statement and cash flow

SouthState Bank, Q3 2026: revenue $685M (-2% year over year), operating margin 42.4%. The chart follows the revenue to costs, profit and cash.

SouthState Bank: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.