South State Bank

SSB US Financials Regional Banks
S&P 400
$105.98
+0.13%
Delayed · cached 15 min

Fair value analysis

SSB
South State Bank
FinancialsRegional Banks
$105.98
Close used for this calculation
$105.46Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
56/100
Profitability19/25
Returns8/25
Balance Sheet11/25
Efficiency18/25
Growth6/25
Good
Quality radar
56Prof.19/25Ret.8/25Eff.18/25B.Sht11/25Growth6/25

Consensus fair value

$105.46
Near FV
▼ -0.5% against the close used
Model range $44.84 – $157.40
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$44.84Fair value$105.46Bull$157.40
FairClose
52-week traded range
52W low $85.3152W high $111.59

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading close to the consensus fair value

South State Bank closed at $105.98, 0.5% above the consensus fair value of $105.46 drawn from 9 valuation models.

Financial DNA score 56/100 — Good. P/E of 13.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$44.84
-57.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=8.9%, r=10%, tg=3%, n=10yr
Graham Number
$128.87
+21.6%
√(22.5 × EPS × BVPS)
EPS=7.87, BVPS=93.79
P/E Fair Value
$157.40
+48.5%
EPS × 20x (sector P/E)
EPS=7.87, Sector P/E=20x
Peter Lynch (PEG)
$70.04
-33.9%
EPS × Growth% (PEG = 1 is fair)
EPS=7.87, g=8.9%
EV/EBITDA
$152.96
+44.3%
(EBITDA × 14.5x − Net Debt) ÷ Shares
EBITDA=1.07B
Dividend Discount (DDM)
$123.04
+16.1%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=2.28, r=10%, g=8%
Book Value (P/B)
$64.48
-39.2%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=93.79, ROE=8.8%, g=6%, r=10%
Reverse DCF
$105.98
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 1.8% | Historical: 8.9%
Margin of Safety
$82.78
-21.9%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=110.37, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.