Filing Flows › SouthState Bank (SSB) › Q3 2026 › vs Q3 2025
SouthState Bank (SSB) Q3 2026 vs Q3 2025 (year over year)
SouthState Bank's revenue fell $13.4M (-2%) from $699M in Q3 2025 to $685M in Q3 2026. The biggest changes: Net interest income −$8.2M (-1%); Noninterest income −$5.2M (-5%). Operating margin 42.4% against 46.0% (-3.6 pts).
SouthState Bank, Q3 2026: revenue $685M (-2% year over year), operating margin 42.4%, net earnings $224M, operating cash flow $760M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.4% | 46.0% | -3.6 pts |
| Net margin | 32.7% | 35.3% | -2.6 pts |
| Free cash flow margin | 107.8% | 14.6% | +93.3 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $592M | $600M | −$8.2M | -1% |
| Noninterest income | $93.9M | $99.1M | −$5.2M | -5% |
| Revenue | $685M | $699M | −$13.4M | -2% |
| Operating profit | $290M | $321M | −$31.0M | -10% |
| Costs & expenses | $395M | $377M | $17.7M | +5% |
| Pre-tax earnings | $290M | $321M | −$31.0M | -10% |
| Credit loss provision | $20.3M | $5.1M | $15.3M | +300% |
| Noninterest expense | $375M | $372M | $2.4M | +0.7% |
| Net earnings | $224M | $247M | −$22.8M | -9% |
| Income tax | $66.5M | $74.7M | −$8.2M | -11% |
| Share-based compensation | $10.4M | $9.5M | $860K | +9% |
| Working capital & other | $526M | −$134M | $659M | — |
| Operating cash flow | $760M | $122M | $637M | +521% |
| Free cash flow (OCF − capex) | $739M | $102M | $637M | +626% |
| Capital expenditures | $20.9M | $20.7M | $170K | +0.8% |
Questions
How much did SouthState Bank's revenue grow year over year in Q3 2026?
SouthState Bank's revenue fell $13.4M (-2%) from $699M in Q3 2025 to $685M in Q3 2026.
What drove SouthState Bank's revenue change in Q3 2026?
Net interest income −$8.2M (-1%); Noninterest income −$5.2M (-5%).