SSB (SouthState) Moat Score : 5/10 (As of Jul. 07, 2025)

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What is SouthState Moat Score?

SouthState has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

SouthState has Narrow Moat: SouthState Corp benefits from a solid narrow moat due to its regional market leadership and customer loyalty. While it has some pricing power and economies of scale, it lacks the significant barriers or intellectual property for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SouthState might have Narrow Moat - Solid narrow moat.

Competitive Comparison of SouthState's Moat Score

For the Banks - Regional subindustry, SouthState's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SouthState's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, SouthState's Moat Score distribution charts can be found below:

* The bar in red indicates where SouthState's Moat Score falls into.

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SouthState (NYSE:SSB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

SouthState Moat Score Related Terms

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SouthState Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » SouthState Corp (NYSE:SSB) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

FJ5:Germany

Address

1101 First Street South, Suite 202, Winter Haven, FL, USA, 33880

Website

https://www.southstatebank.com

SouthState Corp is a United States-based bank holding company. It provides a wide range of services and products to its customers through a wholly-owned bank subsidiary, South State Bank. The Bank provides retail and commercial banking services, mortgage lending services, trust and investment services, and consumer finance loans through financial centers in Alabama, Florida, Georgia, North Carolina, South Carolina, and Virginia. These services include demand, time and savings deposits, lending and credit card servicing, ATM processing, and wealth management and trust services.

Executives

Sara Arana	officer: Chief Accounting Officer	1101 FIRST STREET SOUTH, WINTER HAVEN FL 33880
Matthews William E V	officer: Chief Financial Officer
Renee R Brooks	officer: CHIEF ADMINISTRATIVE OFFICER	C/O SCBT FINANCIAL CORPORATION, 520 GERVAIS STREET, COLUMBIA SC 29201
Jean E Davis	director
Daniel E Bockhorst	officer: Chief Credit Officer	42745 U.S. HIGHWAY 27, DAVENPORT FL 33837
Richard Iv Murray	officer: President	PO BOX 10686, BIRMINGHAM AL 35202
Greg A Lapointe	officer: President of SSB	520 GERVAIS STREET, COLUMBIA SC 29201
Page G Ruffner Jr	director
Douglas Lloyd Williams	officer: President, Atlanta Banking Grp	3280 PEACHTREE ROAD NE, SUITE 1600, ATLANTA GA 30305
John C Pollok	officer: Executive Vice President	C/O SCBT FINANCIAL CORPORATION, 520 GERVAIS STREET, COLUMBIA SC 29201
Hill Robert R Jr	officer: President & CEO	C/O SCBT FINANCIAL CORPORATION, 520 GERVAIS STREET, COLUMBIA SC 29201
Robert R Horger	director, officer: Chairman	C/O SCBT FINANCIAL CORPORATION, 520 GERVAIS STREET, COLUMBIA SC 29201
Ronald M. Cofield	director	1101 FIRST STREET SOUTH, WINTER HAVEN FL 33880
Shantella E. Cooper	director	241 RALPH MCGILL BLVD., NW, ATLANTA GA 30308
Douglas J. Hertz	director	3280 PEACHTREE ROAD NE, SUITE 1600, ATLANTA GA 30305