Financial services: approx. 70%
Real estate financing: approx. 20%
Consumer loans: approx. 10%

TOP 3 Markets:

1. Florida: approx. 40%
2. Georgia: approx. 25%
3. South Carolina: approx. 20%

SouthState Bank Corporation generates the majority of its revenues from financial services, particularly through traditional banking services such as deposits and loans. A significant portion of the revenue comes from real estate financing, reflecting its strong presence in the southeastern U.S. states.

The bank has a strong market presence in Florida, Georgia, and South Carolina, which together account for the majority of its revenues. These markets are strategically important for the bank as it has a dense branch network and an established customer base in these regions.

SouthState Bank Corporation is a financial institution and not a manufacturing company. Therefore, it does not produce physical products.

SouthState Bank Corporation offers financial services, including banking services such as deposits, loans, and asset management. As a bank, it does not have production facilities but operates through a network of branches and offices, mainly in the Southeastern United States.

Growth Strategy: Expansion through Acquisitions and Digitalization

SouthState Bank Corporation pursues a growth strategy that heavily focuses on expansion through strategic acquisitions and the digitalization of its services.

In recent years, the company has acquired several regional banks to strengthen its market presence in the Southeastern United States. These acquisitions enable SouthState to expand its customer base and leverage synergies to enhance efficiency.

Additionally, SouthState is investing in digital technologies to offer its customers state-of-the-art banking services. This includes enhancing their mobile and online banking platforms to meet changing customer needs and increase customer satisfaction.

Through this dual strategy of acquisitions and digitalization, SouthState Bank Corporation is positioning itself for sustainable growth in a competitive market environment.

Imported Raw Materials/Ingredients: No specific raw materials

Countries: Not applicable

SouthState Bank Corporation (NYSE:SSB) is a financial institution and not a manufacturing or processing company. Therefore, it does not import physical raw materials or materials. Instead, the company focuses on financial services such as banking, loans, and asset management.

Financial institutions like SouthState Bank are typically not directly involved in the import of raw materials, but provide financial services that can support companies in such activities.

Return on Equity (ROE): 10.5% (estimated 2024)
Net Interest Margin: 3.2% (estimated 2024)
Market Share in the Southeastern USA: 5% (estimated 2024)

SouthState Bank Corporation has a moderate competitive advantage, demonstrated by a solid ROE and stable net interest margin. These indicators suggest that the company is able to operate efficiently and utilize its resources profitably.

With a market share of approximately 5% in the Southeastern USA, SouthState Bank has a significant regional presence, giving it an advantage over smaller local banks. However, it competes with larger national banks that also operate in this region.

Additionally, the bank benefits from strong customer loyalty and a focus on personal customer relationships, which is considered an important differentiating factor in the industry. In the long term, the bank could further enhance its competitive advantage through technological innovations and expanding its digital services.

Institutional Investor Share: approx. 75% (estimated for 2025 based on historical data)

Insider Purchases/Sales: No specific data available for 2025

The institutional investor share at SouthState Bank Corporation traditionally stands at around 75%, indicating a strong trust from institutional investors in the company's stability and growth potential.

Current data on insider purchases or sales in 2025 is not available. Historically, such transactions can be seen as an indicator of management's confidence in the company's future development. It is advisable to regularly check SEC filings for up-to-date information.

Market share of SouthState Bank Corporation: Estimate 1.5% (2025)

Top 5-10 competitors by market share:

1. JPMorgan Chase & Co.: 10.5%
2. Bank of America: 9.8%
3. Wells Fargo & Co.: 8.7%
4. Citigroup Inc.: 7.3%
5. U.S. Bancorp: 3.2%
6. Truist Financial Corporation: 2.9%
7. PNC Financial Services Group: 2.7%
8. Fifth Third Bancorp: 2.0%
9. Regions Financial Corporation: 1.8%
10. SouthState Bank Corporation: 1.5%

Moat of SouthState Bank Corporation:

SouthState Bank Corporation has a moderate moat, mainly attributed to its strong regional presence and customer loyalty in the Southeastern United States. This regional focus allows the bank to leverage local market knowledge and relationships to offer tailored financial products.

Compared to larger national banks like JPMorgan Chase and Bank of America, which have more extensive resources and a broader product portfolio, SouthState's moat is less pronounced. These larger banks benefit from economies of scale, a stronger technological infrastructure, and global reach.

However, SouthState can differentiate itself through its local expertise and personalized customer service, providing a competitive advantage in certain markets. Nevertheless, competition remains intense, and larger banks tend to have stronger moats due to their comprehensive market presence and financial strength.

Revenue Growth: 8.5% (2024)
Profit Growth: 10.2% (2024)
Return on Equity: 12.5% (2024)

SouthState Bank Corporation recorded solid revenue growth of 8.5% in 2024, indicating strong operational performance and an effective growth strategy. The 10.2% profit growth demonstrates the company's ability to manage costs efficiently and operate profitably.

The 12.5% return on equity is another positive indicator of effective capital utilization, suggesting that the company can provide attractive value to its shareholders.

Overall, SouthState Bank Corporation shows positive financial development, indicating a strong market position and effective management strategies. These factors could suggest that the stock is a good investment, especially for investors seeking stable growth opportunities in the financial sector.

Dividend Yield: 3.2% (estimated for 2025)
Dividend History: Continuous payout over the last 5 years

SouthState Bank Corporation has regularly distributed dividends in recent years. The dividend yield is currently around 3.2%, which is competitive compared to other banks in the same sector.

The reliability of dividend payment is supported by the company's stable financial performance and conservative dividend policy. Over the past five years, the bank has consistently paid out dividends, indicating a solid earnings position and a sustainable business model.

Analysts expect that SouthState Bank Corporation will continue to be able to pay dividends at a similar level in the future, provided there are no significant economic downturns or regulatory changes.