SSBK Fundamental Analysis - SOUTHERN STATES BANCSHARES

Fundamental Rating

Overall SSBK gets a fundamental rating of 4 out of 10. We evaluated SSBK against 392 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.

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1. Profitability

1.1 Basic Checks

SSBK had positive earnings in the past year.

In the past year SSBK had a positive cash flow from operations.

Each year in the past 5 years SSBK has been profitable.

In the past 5 years SSBK always reported a positive cash flow from operatings.

1.2 Ratios

SSBK has a Return On Assets of 1.30%. This is amongst the best in the industry. SSBK outperforms 83.63% of its industry peers.

SSBK has a better Return On Equity (12.78%) than 86.90% 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's Profit Margin of 35.83% is amongst the best of the industry. SSBK outperforms 92.95% 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.

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.

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

ROIC/WACCN/A

WACC17.9%

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.

SSBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 41.80% yearly.

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

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

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

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

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

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

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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.

Compared to the rest of the industry, the Price/Earnings ratio of SSBK indicates a rather cheap valuation: SSBK is cheaper than 89.17% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of SSBK to the average of the S&P500 Index (27.91), we can say 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.

SSBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.30.

		Industry Rank	Sector Rank
PE	9.18
Fwd PE	8.55

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 Rank	Sector Rank
P/FCF	9.89
EV/EBITDA	N/A

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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5. Dividend

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 3.59. 81.86% of the companies listed in the same industry pay a better dividend than SSBK!

With a Dividend Yield of 0.99, SSBK pays less dividend than the S&P500 average, which is at 2.44.

		Industry Rank	Sector 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

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 (6/30/2025, 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-0.01%

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 Rank	Sector 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 Rank	Sector 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 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

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) 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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