SSB · NYSE · STOCK
South State Bank (SSB) Stock Analysis
$110.82
52W $84.48 – $111.79
72/100
$10.82B
11.6
0.71
⚠
Strong Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is SSB Bullish or Bearish?
Bullish.
Innellis AI committee rates South State Bank (SSB) Strong Buy with a composite score of 72/100
, based on 4 analysts with 100% agreement.
Last updated August 18, 2026.
What Would Change This View
- Downgrade to Buy
- Requires the score to fall below 70.0 — -2.34 from today. The band boundary is 75.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is 5 consecutive earnings beats -- consistent execution. The main limiting factor is sector concentration is already high (hhi 2963.04). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- RSI at 79 is in overbought territory — Technical
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 18, 2026
Overall Committee Score
72/100
Agreement
100%
Analysts
4
Conviction
Unanimous
Sector Rank
Top 10%
of 209 Financial Services peers
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 79 is in overbought territory
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.25 across 4 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2963.04)
Investment Thesis Evolution
Committee score moved marginally from 74.5 to 72.3.
- Bullish support removed: 5 signal(s) disappeared.
- Analyst(s) abstained: Risk Analyst, Value Analyst.
Analyst-level changes:
- Risk Analyst abstained (was bullish at 80).
- Value Analyst abstained (was bullish at 77).
Comparing 2026-08-17 to 2026-08-18 (1 day apart).
Technical Analysis
RSI (14)
79.1
Overbought
MACD Histogram
0.228
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$91.72
Resistance
$114.19
Bollinger %B
0.88
Inside Bands
Price vs Moving Averages
EMA 9
$109.51
Above
EMA 21
$107.07
Above
EMA 50
$103.34
Above
EMA 200
$98.41
Above
Fundamental Analysis
Valuation
100
Growth
75
Profitability
64
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
11.6×
P/B Ratio
1.20×
PEG Ratio
0.28
Dividend Yield
2.20%
52W High
$111.79
52W Low
$84.48
Quality & Growth
ROE
881.6%
ROA
118.8%
Gross Margin
6653.7%
Operating Margin
2587.1%
Revenue Growth YoY
—
Debt / Equity
0.17
AI Fundamental Assessment
P/E ratio of 11.6 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 8.8%; Return on assets of 1.2%; Net margin of 29.3%; Gross margin of 66.5%; Current ratio of 0.13 (tight short-term liquidity); Debt-to-equity of 0.17; Free cash flow per share is positive (8.00); Most recent quarter beat estimates by 1.3%; 5 consecutive earnings beats; EPS growth accelerating (-7.7% -> +3.1% QoQ); Average YoY EPS growth of 2.2%; Analyst estimates flat over recent quarters
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