SOUTHERN STATES BANCSHARES (SSBK) Fundamental Analysis & Valuation

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 Forecast Earnings Financials Ownership News

This SSBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

4

Overall SSBK gets a fundamental rating of 4 out of 10. We evaluated SSBK against 381 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. SSBK Profitability Analysis

1.1 Basic Checks

  • SSBK had positive earnings in the past year.
  • In the past year SSBK had a positive cash flow from operations.
  • SSBK had positive earnings in each of the past 5 years.
  • In the past 5 years SSBK always reported a positive cash flow from operatings.
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.
  • Looking at the Return On Equity, with a value of 12.78%, SSBK belongs to the top 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.
  • SSBK's Profit Margin has improved in the last couple of years.
  • 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. SSBK Health Analysis

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.
  • The number of shares outstanding for SSBK has been increased compared to 5 years ago.
  • The debt/assets ratio for SSBK has been reduced compared to a year ago.
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.
  • SSBK has a Debt to FCF ratio (2.50) which is comparable to the rest of the industry.
  • SSBK has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.31, SSBK is not doing good in the industry: 71.28% of the companies in the same industry are doing better.
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. SSBK Growth Analysis

3.1 Past

  • SSBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.78%, which is quite good.
  • 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.
  • SSBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 18.98% yearly.
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.
  • The Revenue is expected to grow by 9.47% on average over the next years. This is quite good.
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.
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. SSBK Valuation Analysis

4.1 Price/Earnings Ratio

  • SSBK is valuated reasonably with a Price/Earnings ratio of 9.18.
  • 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 (26.15), we can say SSBK is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.55, the valuation of SSBK can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, SSBK is valued a bit cheaper than 76.83% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.27. 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

  • 64.99% of the companies in the same industry are more expensive than SSBK, based on the Price/Free Cash Flow ratio.
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. SSBK Dividend Analysis

5.1 Amount

  • SSBK has a yearly dividend return of 0.99%, which is pretty low.
  • With a Dividend Yield of 0.99, SSBK pays less dividend than the industry average, which is at 2.86. 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 1.82, 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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SSBK Fundamentals: All Metrics, Ratios and Statistics

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.