SouthState Bank Q4 Earnings Call Highlights

1 week ago 8

MarketBeat

Fri, January 23, 2026 astatine 10:56 AM CST 8 min read

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Integration of Independent Financial is “in the rearview mirror,” absorption says, with 2025 EPS up >30% excluding merger costs, double-digit tangible publication worth growth, an 11% dividend summation and progressive stock repurchases.
Q4 results showed coagulated momentum (PP&R $323M, Q4 EPS $2.47, FY EPS $9.50, ROTCE ~20%) and a astir $5 cardinal indebtedness pipeline, portion absorption reiterated 2026 NIM guidance of 3.80%–3.90% and expects to assistance expenses ~4% to prosecute much gross producers and thrust mid‑to‑upper single‑digit indebtedness growth.
Capital returns were stepped up (repurchased 2 cardinal shares astatine $90.65 and added a 5 million‑share authorization), which pushed the quarterly payout adjacent 100%, but superior and recognition metrics stay steadfast (CET1 11.4%, TCE 8.8%, debased nett charge‑offs) with substandard loans mostly tied to lease‑up multifamily astatine a ~52% LTV.
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SouthState Bank (NYSE:SSB) executives utilized the company’s fourth-quarter 2025 net telephone to item a twelvemonth marked by the integration of Independent Financial and a instrumentality to stronger integrated maturation precocious successful the year, portion outlining expectations for nett involvement borderline stability, continued hiring of gross producers, and disciplined but flexible superior returns.

CEO John Corbett said 2025 represented a palmy archetypal twelvemonth pursuing the May 2024 announcement of the Independent Financial acquisition, which expanded SouthState into Texas and Colorado. Corbett noted the institution navigated regulatory approvals and systems conversions and is present “enjoying the rewards” of the integration.

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Corbett offered peculiar designation to Mark Thompson, who led integration efforts successful Texas and Colorado and is acceptable to discontinue aboriginal successful the year. Corbett characterized the integration arsenic “well-choreographed” and said the company’s “risk profile…is reduced,” with momentum heading into 2026.

From a fiscal standpoint, Corbett said that excluding merger costs, 2025 net per stock accrued by much than 30%, portion tangible publication worth per stock roseate astatine a double-digit complaint contempt day-one dilution from the deal. He besides cited an 11% dividend summation and stock repurchases arsenic portion of the year’s superior actions.

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Will Matthews said the institution closed the twelvemonth with “a bully quarter” that included pre-provision nett gross (PP&R) of $323 cardinal and net per stock of $2.47. For full-year 2025, Matthews reported PP&R of $1.27 cardinal and EPS of $9.50, with instrumentality connected tangible communal equity of astir 20%.