SSBHIGH SIGNALFINANCIAL10-K

SouthState completed a major corporate redomiciliation to Florida while achieving substantial balance sheet growth of 45% in total assets alongside dramatically increased share buybacks of over 1,300%.

The redomiciliation from South Carolina to Florida represents a significant corporate restructuring that could signal strategic repositioning for regulatory or business advantages. The massive increase in share buybacks from $16.8M to $235.8M demonstrates aggressive capital return to shareholders, while the 60% increase in market value held by non-affiliates reflects strong stock price appreciation and potential market confidence in the company's direction.

Comparing 2026-02-20 vs 2025-02-21View on EDGAR →
FINANCIAL ANALYSIS

SouthState experienced explosive growth across all major balance sheet metrics with assets, deposits, and equity all expanding by approximately 45-54%, while net income surged 49% to nearly $800M despite interest expenses increasing over 700%. The dramatic 1,300% increase in share buybacks to $235.8M and doubled capital expenditures signal aggressive capital deployment, though operating cash flow declined 41% which may indicate strain from rapid expansion. Overall, the financial picture shows a bank in aggressive growth mode with strong profitability but potential cash flow management challenges.

FINANCIAL STATEMENT CHANGES
Share Buybacks
Cash Flow
+1307.2%
$16.8M$235.8M

Share repurchases increased 1307.2% — management returning capital, signals confidence in intrinsic value.

Interest Expense
P&L
+701.6%
$61.4M$491.8M

Interest expense surged 701.6% — significant debt increase or rising rates materially impacting earnings.

Capital Expenditure
Cash Flow
+96.2%
$35.8M$70.3M

Capital expenditure jumped 96.2% — major investment cycle underway; assess returns on deployment.

Net Interest Income
P&L
+57.8%
$2.1B$3.4B

Net interest income grew 57.8% — benefiting from rate environment or loan book expansion.

Stockholders Equity
Balance Sheet
+53.8%
$5.9B$9.1B

Equity base grew 53.8% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Net Income
P&L
+49.3%
$534.8M$798.7M

Net income grew 49.3% — bottom-line growth signals improving overall business health.

Total Assets
Balance Sheet
+44.9%
$46.4B$67.2B

Asset base grew 44.9% — expansion through organic growth, acquisitions, or capital deployment.

Total Deposits
Balance Sheet
+44.9%
$38.1B$55.1B

Deposits grew 44.9% — expanding customer base or increased trust in the institution.

Total Liabilities
Balance Sheet
+43.6%
$40.5B$58.1B

Liabilities grew 43.6% — significant increase in debt or obligations, assess impact on financial flexibility.

Operating Cash Flow
Cash Flow
-41.2%
$512.0M$300.8M

Operating cash flow fell 41.2% — earnings quality concerns; investigate working capital changes and non-cash items.

LANGUAGE CHANGES
NEW — 2026-02-20
PRIOR — 2025-02-21
ADDED
The aggregate market value of the voting stock of the registrant held by non-affiliates was $ 9,225,644,000 based on the closing sale price of $92.03 per share on June 30, 2025.
Overview SouthState Bank Corporation ( We, Our, SouthState or the Company ) is a financial holding company headquartered in Winter Haven, Florida.
During the third quarter of 2025, the Company was redomiciled to the state of Florida by merging SouthState Corporation, a South Carolina corporation, with and into SouthState Bank Corporation, a Florida corporation that was wholly-owned by SouthState Corporation prior to such merger, and adopting its name.
Through the Bank, we operate a correspondent banking and capital markets service division for over 1,200 small and medium sized community financial institutions, credit unions, and money managers throughout the United States.
(formally known as SouthState|DuncanWilliams Securities Corp., SouthState Securities ), a full-service registered broker dealer headquartered in Memphis, Tennessee.
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REMOVED
The aggregate market value of the voting stock of the registrant held by non-affiliates was $ 5,764,999,000 based on the closing sale price of $76.42 per share on June 30, 2024.
Overview SouthState Corporation ( We, Our, SouthState or the Company ) is a financial holding company headquartered in Winter Haven, Florida, that incorporated under the laws of South Carolina in 1985.
Through the Bank, we operate a correspondent banking and capital markets service division for over 1,200 small and medium sized community financial institutions throughout the United States.
In addition, the Bank operates SouthState|DuncanWilliams Securities Corp.
( SouthState|DuncanWilliams ), a full-service registered broker dealer headquartered in Memphis, Tennessee.
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