SSBK Fundamental Analysis - SOUTHERN STATES BANCSHARES

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to SSBK. SSBK was compared to 396 industry peers in the Banks industry. While SSBK is still in line with the averages on profitability rating, there are concerns on its financial health. SSBK has a correct valuation and a medium growth rate.

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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.

In the past 5 years SSBK has always been profitable.

Each year in the past 5 years SSBK had a positive operating cash flow.

1.2 Ratios

SSBK has a Return On Assets of 1.30%. This is amongst the best in the industry. SSBK outperforms 83.84% of its industry peers.

SSBK has a better Return On Equity (12.78%) than 86.62% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

SSBK has a better Profit Margin (35.83%) than 92.93% of its industry peers.

In the last couple of years the Profit Margin of SSBK has grown nicely.

The Operating Margin and Gross Margin are not available for SSBK so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

SSBK has more shares outstanding than it did 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.

2.2 Solvency

The Debt to FCF ratio of SSBK is 2.50, which is a good value as it means it would take SSBK, 2.50 years of fcf income to pay off all of its debts.

SSBK has a Debt to FCF ratio (2.50) which is in line with its industry peers.

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 71.21% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.31
Debt/FCF	2.5
Altman-Z	N/A

ROIC/WACCN/A

WACC20.24%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 14.78% over the past year.

The Earnings Per Share has been growing by 41.80% on average over the past years. This is a very strong growth

Looking at the last year, SSBK shows a quite strong growth in Revenue. The Revenue has grown by 9.15% in the last year.

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

The Earnings Per Share is expected to grow by 5.38% on average over the next years.

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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.65, the valuation of SSBK can be described as reasonable.

89.39% of the companies in the same industry are more expensive than SSBK, based on the Price/Earnings ratio.

SSBK is valuated cheaply when we compare the Price/Earnings ratio to 26.30, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 8.05, the valuation of SSBK can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SSBK indicates a somewhat cheap valuation: SSBK is cheaper than 75.76% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.06. SSBK is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.65
Fwd PE	8.05

4.2 Price Multiples

SSBK's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SSBK is cheaper than 63.64% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.31
EV/EBITDA	N/A

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)1.18

PEG (5Y)0.21

EPS Next 2Y5.38%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.04%, SSBK has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.46, SSBK's dividend is way lower than its industry peers. On top of this 81.31% of the companies listed in the same industry pay a better dividend than SSBK!

With a Dividend Yield of 1.04, SSBK pays less dividend than the S&P500 average, which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	1.04%

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

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

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SOUTHERN STATES BANCSHARES

NASDAQ:SSBK (6/6/2025, 10:49:47 AM)

34.25

+0.55 (+1.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-21 2025-04-21/bmo

Earnings (Next)07-22 2025-07-22/bmo

Inst Owners56.31%

Inst Owner Change2.11%

Ins Owners15.74%

Ins Owner Change1.53%

Market Cap339.76M

Analysts80

Price Target41.31 (20.61%)

Short Float %0.5%

Short Ratio1.1

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.04%

Yearly Dividend0.35

Dividend Growth(5Y)N/A

DP9.19%

Div Incr Years0

Div Non Decr Years3

Ex-Date05-01 2025-05-01 (0.09)

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)0.51%

EPS NY rev (1m)1.38%

EPS NY rev (3m)1.51%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.18%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.04%

Valuation

		Industry Rank	Sector Rank
PE	8.65
Fwd PE	8.05
P/S	3.28
P/FCF	9.31
P/OCF	9.01
P/B	1.17
P/tB	1.37
EV/EBITDA	N/A

EPS(TTM)3.96

EY11.56%

EPS(NY)4.25

Fwd EY12.42%

FCF(TTM)3.68

FCFY10.74%

OCF(TTM)3.8

OCFY11.1%

SpS10.44

BVpS29.25

TBVpS25.05

PEG (NY)1.18

PEG (5Y)0.21

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3YN/A

ROICexcg 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 Rank	Sector 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

WACC20.24%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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