SOUTHERN STATES BANCSHARES (SSBK) Stock Fundamental Analysis

NASDAQ:SSBK • US8438783073

36.37 USD
-0.03 (-0.08%)
At close: Jun 30, 2025
36.37 USD
0 (0%)
After Hours: 6/30/2025, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

SSBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. SSBK has a medium profitability rating, but doesn't score so well on its financial health evaluation. SSBK has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year SSBK was profitable.
  • In the past year SSBK had a positive cash flow from operations.
  • Each year in the past 5 years SSBK has been profitable.
  • SSBK had a positive operating cash flow in each of the past 5 years.
SSBK Yearly Net Income VS EBIT VS OCF VS FCFSSBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

  • With an excellent Return On Assets value of 1.30%, SSBK belongs to the best of the industry, outperforming 83.63% of the companies in the same industry.
  • With an excellent Return On Equity value of 12.78%, SSBK belongs to the best of the industry, outperforming 86.90% of the companies in the same industry.
Industry RankSector Rank
ROA 1.3%
ROE 12.78%
ROIC N/A
ROA(3y)1.28%
ROA(5y)1.16%
ROE(3y)14.07%
ROE(5y)12.26%
ROIC(3y)N/A
ROIC(5y)N/A
SSBK Yearly ROA, ROE, ROICSSBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • SSBK has a better Profit Margin (35.83%) than 92.95% of its industry peers.
  • In the last couple of years the Profit Margin of SSBK has grown nicely.
  • SSBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 35.83%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.48%
PM growth 5Y21.16%
GM growth 3YN/A
GM growth 5YN/A
SSBK Yearly Profit, Operating, Gross MarginsSSBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • SSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SSBK has been increased compared to 1 year ago.
  • Compared to 5 years ago, SSBK has more shares outstanding
  • Compared to 1 year ago, SSBK has an improved debt to assets ratio.
SSBK Yearly Shares OutstandingSSBK Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
SSBK Yearly Total Debt VS Total AssetsSSBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • SSBK has a debt to FCF ratio of 2.50. This is a good value and a sign of high solvency as SSBK would need 2.50 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 2.50, SSBK perfoms like the industry average, outperforming 40.55% of the companies in the same industry.
  • A Debt/Equity ratio of 0.31 indicates that SSBK is not too dependend on debt financing.
  • The Debt to Equity ratio of SSBK (0.31) is worse than 71.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 2.5
Altman-Z N/A
ROIC/WACCN/A
WACC17.9%
SSBK Yearly LT Debt VS Equity VS FCFSSBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SSBK Yearly Current Assets VS Current LiabilitesSSBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 14.78% over the past year.
  • Measured over the past years, SSBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 41.80% on average per year.
  • The Revenue has grown by 9.15% in the past year. This is quite good.
  • The Revenue has been growing by 18.98% on average over the past years. This is quite good.
EPS 1Y (TTM)14.78%
EPS 3Y17.53%
EPS 5Y41.8%
EPS Q2Q%14.44%
Revenue 1Y (TTM)9.15%
Revenue growth 3Y15.86%
Revenue growth 5Y18.98%
Sales Q2Q%20.02%

3.2 Future

  • SSBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.38% yearly.
  • Based on estimates for the next years, SSBK will show a quite strong growth in Revenue. The Revenue will grow by 9.47% on average per year.
EPS Next Y7.33%
EPS Next 2Y5.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.95%
Revenue Next 2Y9.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
SSBK Yearly Revenue VS EstimatesSSBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
SSBK Yearly EPS VS EstimatesSSBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 1 2 3 4

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.18, which indicates a very decent valuation of SSBK.
  • Based on the Price/Earnings ratio, SSBK is valued cheaply inside the industry as 89.17% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of SSBK to the average of the S&P500 Index (26.98), we can say SSBK is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.55, which indicates a very decent valuation of SSBK.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SSBK indicates a somewhat cheap valuation: SSBK is cheaper than 76.83% of the companies listed in the same industry.
  • SSBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.18
Fwd PE 8.55
SSBK Price Earnings VS Forward Price EarningsSSBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, SSBK is valued a bit cheaper than 64.99% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.89
EV/EBITDA N/A
SSBK Per share dataSSBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • SSBK's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.25
PEG (5Y)0.22
EPS Next 2Y5.38%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.99%, SSBK is not a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.74, SSBK's dividend is way lower than its industry peers. On top of this 81.86% of the companies listed in the same industry pay a better dividend than SSBK!
  • Compared to an average S&P500 Dividend Yield of 1.81, SSBK's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.99%

5.2 History

  • SSBK has been paying a dividend for over 5 years, so it has already some track record.
  • SSBK has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years3
SSBK Yearly Dividends per shareSSBK Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

  • 9.19% of the earnings are spent on dividend by SSBK. This is a low number and sustainable payout ratio.
DP9.19%
EPS Next 2Y5.38%
EPS Next 3YN/A
SSBK Yearly Income VS Free CF VS DividendSSBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
SSBK Dividend Payout.SSBK Dividend Payout, showing the Payout Ratio.SSBK Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SOUTHERN STATES BANCSHARES

NASDAQ:SSBK (6/30/2025, 8:00:01 PM)

After market: 36.37 0 (0%)

36.37

-0.03 (-0.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21
Earnings (Next)07-28
Inst Owners56.09%
Inst Owner Change-98.02%
Ins Owners12.41%
Ins Owner Change0%
Market Cap360.79M
Revenue(TTM)103.53M
Net Income(TTM)37.10M
Analysts80
Price Target41.31 (13.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0.99%
Yearly Dividend0.35
Dividend Growth(5Y)N/A
DP9.19%
Div Incr Years0
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.77%
Min EPS beat(2)1.96%
Max EPS beat(2)3.57%
EPS beat(4)3
Avg EPS beat(4)1.64%
Min EPS beat(4)-9.11%
Max EPS beat(4)10.16%
EPS beat(8)5
Avg EPS beat(8)8.39%
EPS beat(12)9
Avg EPS beat(12)12.04%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.47%
Min Revenue beat(2)-2.94%
Max Revenue beat(2)2%
Revenue beat(4)2
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-2.94%
Max Revenue beat(4)2%
Revenue beat(8)4
Avg Revenue beat(8)1.4%
Revenue beat(12)8
Avg Revenue beat(12)3.85%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-1.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE 9.18
Fwd PE 8.55
P/S 3.48
P/FCF 9.89
P/OCF 9.56
P/B 1.24
P/tB 1.45
EV/EBITDA N/A
EPS(TTM)3.96
EY10.89%
EPS(NY)4.25
Fwd EY11.69%
FCF(TTM)3.68
FCFY10.11%
OCF(TTM)3.8
OCFY10.46%
SpS10.44
BVpS29.25
TBVpS25.05
PEG (NY)1.25
PEG (5Y)0.22
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.3%
ROE 12.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 35.83%
GM N/A
FCFM 35.24%
ROA(3y)1.28%
ROA(5y)1.16%
ROE(3y)14.07%
ROE(5y)12.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.48%
PM growth 5Y21.16%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.31
Debt/FCF 2.5
Debt/EBITDA N/A
Cap/Depr 50.35%
Cap/Sales 1.2%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 98.34%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.9%
ROIC/WACCN/A
Cap/Depr(3y)84.08%
Cap/Depr(5y)152.31%
Cap/Sales(3y)1.63%
Cap/Sales(5y)5.05%
Profit Quality(3y)121.93%
Profit Quality(5y)108.21%
High Growth Momentum
Growth
EPS 1Y (TTM)14.78%
EPS 3Y17.53%
EPS 5Y41.8%
EPS Q2Q%14.44%
EPS Next Y7.33%
EPS Next 2Y5.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.15%
Revenue growth 3Y15.86%
Revenue growth 5Y18.98%
Sales Q2Q%20.02%
Revenue Next Year11.95%
Revenue Next 2Y9.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.4%
FCF growth 3Y14.84%
FCF growth 5Y31.69%
OCF growth 1Y-0.65%
OCF growth 3Y9.98%
OCF growth 5Y29.09%

SOUTHERN STATES BANCSHARES / SSBK FAQ

Can you provide the ChartMill fundamental rating for SOUTHERN STATES BANCSHARES?

ChartMill assigns a fundamental rating of 4 / 10 to SSBK.


What is the valuation status for SSBK stock?

ChartMill assigns a valuation rating of 6 / 10 to SOUTHERN STATES BANCSHARES (SSBK). This can be considered as Fairly Valued.


What is the profitability of SSBK stock?

SOUTHERN STATES BANCSHARES (SSBK) has a profitability rating of 5 / 10.


Can you provide the financial health for SSBK stock?

The financial health rating of SOUTHERN STATES BANCSHARES (SSBK) is 2 / 10.


What is the earnings growth outlook for SOUTHERN STATES BANCSHARES?

The Earnings per Share (EPS) of SOUTHERN STATES BANCSHARES (SSBK) is expected to grow by 7.33% in the next year.