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SOUTHERN STATES BANCSHARES (SSBK) Stock Fundamental Analysis

USA - NASDAQ:SSBK - US8438783073 - Common Stock

36.37 USD
-0.03 (-0.08%)
Last: 6/30/2025, 8:00:01 PM
36.37 USD
0 (0%)
After Hours: 6/30/2025, 8:00:01 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SSBK. SSBK was compared to 392 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

In the past year SSBK was profitable.
SSBK had a positive operating cash flow in the past year.
In the past 5 years SSBK has always 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

SSBK's Return On Assets of 1.30% is amongst the best of the industry. SSBK outperforms 83.63% of its industry peers.
The Return On Equity of SSBK (12.78%) is better than 86.90% of its industry peers.
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 Profit Margin of 35.83%. This is amongst the best in the industry. SSBK outperforms 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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2

2. Health

2.1 Basic Checks

SSBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SSBK has more shares outstanding
The number of shares outstanding for SSBK has been increased compared to 5 years ago.
SSBK has a better debt/assets ratio than last year.
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

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 comparable to the rest of the industry.
A Debt/Equity ratio of 0.31 indicates that SSBK is not too dependend on debt financing.
SSBK has a worse Debt to Equity ratio (0.31) 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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6

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

SSBK is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.38% yearly.
SSBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.47% yearly.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.18, the valuation of SSBK can be described as reasonable.
Based on the Price/Earnings ratio, SSBK is valued cheaply inside the industry as 89.17% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.27, SSBK is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.55, the valuation of SSBK can be described as very reasonable.
SSBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SSBK is cheaper than 76.83% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.77. SSBK is valued rather cheaply when compared to this.
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 the industry average as 64.99% of the companies are valued more expensively.
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

The 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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3

5. Dividend

5.1 Amount

SSBK has a yearly dividend return of 0.99%, which is pretty low.
Compared to an average industry Dividend Yield of 3.73, 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 2.38, 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

SSBK pays out 9.19% of its income as dividend. This is a 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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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 2025-04-21/bmo
Earnings (Next)07-28 2025-07-28/bmo
Inst Owners56.09%
Inst Owner Change-2.17%
Ins Owners12.41%
Ins Owner Change-88.86%
Market Cap360.79M
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-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%
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
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
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 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%