SouthState (SSB) reported $698.78 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 63.9%. EPS of $2.58 for the same period compares to $1.90 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $654.7 million, representing a surprise of +6.73%. The company delivered an EPS surprise of +17.27%, with the consensus EPS estimate being $2.20.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how SouthState performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:- Net Interest Margin (Non-Tax Equivalent): 4.1% versus the four-analyst average estimate of 3.9%.
- Efficiency Ratio: 49.9% versus 54.9% estimated by four analysts on average.
- Net charge-offs as a percentage of average loans (annualized): 0.3% versus 0.1% estimated by three analysts on average.
- Average Balance - Total interest-earning assets: $58.73 billion versus $58.27 billion estimated by two analysts on average.
- Total nonperforming loans (non-acquired & acquired): $301.69 million compared to the $283.64 million average estimate based on two analysts.
- Total nonperforming assets: $320.81 million compared to the $316.07 million average estimate based on two analysts.
- Total Noninterest Income: $99.09 million versus the four-analyst average estimate of $88.04 million.
- Net interest income, tax equivalent (Non-GAAP): $600.42 million compared to the $568.27 million average estimate based on three analysts.
- Net Interest Income: $599.7 million compared to the $565.25 million average estimate based on three analysts.
View all Key Company Metrics for SouthState here>>>
Shares of SouthState have returned -5.7% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.Beyond Nvidia: AI's Second Wave Is Here
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This article originally published on Zacks Investment Research (zacks.com).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
