SouthState (SSB Quick QuoteSSB - Free Report) reported $685.43 million in revenue for the quarter ended September 2026, representing a year-over-year decline of 1.9%. EPS of $2.30 for the same period compares to $2.58 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $690.84 million, representing a surprise of -0.78%. The company delivered an EPS surprise of -3.77%, with the consensus EPS estimate being $2.39.

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 charge-offs as a percentage of average loans (annualized): 0.1% versus the five-analyst average estimate of 0.1%.
• Net Interest Margin (Non-Tax Equivalent): 3.8% versus 3.8% estimated by five analysts on average.
• Efficiency Ratio: 51.6% compared to the 52% average estimate based on five analysts.
• Average Balance - Total interest-earning assets: $62.22 billion versus $62.09 billion estimated by four analysts on average.
• Total nonperforming assets: $310.77 million versus $272.34 million estimated by four analysts on average.
• Net interest income, tax equivalent (Non-GAAP): $592.29 million compared to the $590.78 million average estimate based on five analysts.
• Total Noninterest Income: $93.91 million versus $100.7 million estimated by five analysts on average.
• Total correspondent banking and capital market income: $14.56 million versus $22.02 million estimated by four analysts on average.
• Trust and investment services income: $15.84 million compared to the $15.14 million average estimate based on four analysts.
• Fees on deposit accounts: $42.81 million versus $42.86 million estimated by four analysts on average.
• Net Interest Income: $591.52 million versus the four-analyst average estimate of $590.09 million.
• Mortgage banking income: $5.63 million versus $5.8 million estimated by four analysts on average.

View all Key Company Metrics for SouthState here>>>

Shares of SouthState have returned +0.2% over the past month versus the Zacks S&P 500 composite's +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.