NASDAQ · STOCK
South State Bank
$102.19
52W $84.48 – $108.46
67/100
—
11.0
0.70
Explore SSB Further
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is SSB Bullish or Bearish?
Bullish.
Innellis AI committee rates South State Bank (SSB) Buy with a composite score of 67/100
, based on 7 analysts with 86% agreement.
Last updated July 20, 2026.
Executive Summary
The primary driver is low leverage (debt-to-equity 0.15) -- balance sheet can absorb a shock. The main limiting factor is sector concentration is already high (hhi 2975.52). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Positive MACD histogram signals bullish momentum.
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- Lower Highs / Lower Lows structure confirms bearish price action.
- Risk/reward is unfavorable: 10.4% downside vs 2.3% upside.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 20, 2026
Overall Committee Score
67/100
Agreement
86%
Analysts
7
Conviction
High
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.8 is inexpensive for the broad market
Growth Analyst
bullish
71
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 49.5% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
63
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.15) -- balance sheet can absorb a shock
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
63
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.17 across 6 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2975.52)
Investment Thesis Evolution
Committee score moved marginally from 67.0 to 67.0.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Portfolio Manager: +1 bearish signal(s).
Comparing 2026-07-19 to 2026-07-20 (1 day apart).
Technical Analysis
RSI (14)
59.5
Neutral
MACD Histogram
0.192
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Lh Ll
Support
$91.72
Resistance
$104.68
Bollinger %B
0.79
Inside Bands
Price vs Moving Averages
EMA 9
$101.58
Above
EMA 21
$100.21
Above
EMA 50
$98.41
Above
EMA 200
$96.57
Above
Fundamental Analysis
Valuation
100
Growth
72
Profitability
0
Financial Health
100
Cash Flow
37
Valuation
P/E Ratio
11.0×
P/B Ratio
1.12×
PEG Ratio
0.24
Dividend Yield
0.02%
52W High
$108.46
52W Low
$84.48
Quality & Growth
ROE
8.8%
ROA
1.2%
Gross Margin
71.1%
Operating Margin
32.2%
Revenue Growth YoY
—
Debt / Equity
0.15
AI Fundamental Assessment
P/E ratio of 11.0 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 11.08 (healthy short-term liquidity); Debt-to-equity of 0.15; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (5.84); Most recent quarter beat estimates by 2.0%; 4 consecutive earnings beats; EPS growth decelerating (-4.3% -> -7.7% QoQ); Analyst estimates flat over recent quarters
Key Risks
- Lower Highs / Lower Lows structure confirms bearish price action.
- Risk/reward is unfavorable: 10.4% downside vs 2.3% upside.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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