36.37 USD
-0.03 (-0.08%)
36.37 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to SSBK. SSBK was compared to 383 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- SSBK had positive earnings in the past year.
- SSBK had a positive operating cash flow in the past year.
- In the past 5 years SSBK has always 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.
- The Return On Equity of SSBK (12.78%) is better 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
- Looking at the Profit Margin, with a value of 35.83%, SSBK belongs to the top of the industry, outperforming 92.95% of the companies in the same industry.
- SSBK's Profit Margin has improved in the last couple of years.
- 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
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.
- SSBK has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SSBK has an improved debt to assets ratio.
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.
- SSBK has a Debt/Equity ratio of 0.31. This is a healthy value indicating a solid balance between debt and equity.
- SSBK has a Debt to Equity ratio of 0.31. This is in the lower half of the industry: SSBK underperforms 71.28% of its industry peers.
| 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 |
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
- 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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.18 indicates a reasonable valuation of SSBK.
- Based on the Price/Earnings ratio, SSBK is valued cheaper than 89.17% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.33, SSBK is valued rather cheaply.
- SSBK is valuated reasonably with a Price/Forward Earnings ratio of 8.55.
- Based on the Price/Forward Earnings ratio, SSBK is valued a bit cheaper than the industry average as 76.83% of the companies are valued more expensively.
- SSBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.18 | ||
| Fwd PE | 8.55 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of SSBK indicates a somewhat cheap valuation: SSBK is cheaper than 64.99% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.89 | ||
| 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)1.25
PEG (5Y)0.22
EPS Next 2Y5.38%
EPS Next 3YN/A
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 2.89, 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 1.91, SSBK's dividend is way lower than the S&P500 average.
| 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
- 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
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 Change0%
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 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-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 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
Graham NumberN/A
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
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 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 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.