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

Taking everything into account, SSBK scores 4 out of 10 in our fundamental rating. SSBK was compared to 379 industry peers in the Banks industry. There are concerns on the financial health of SSBK while its profitability can be described as average. SSBK has a decent growth rate and is not valued too expensively.


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.
  • 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.
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

  • The Return On Assets of SSBK (1.30%) is better than 83.63% of its industry peers.
  • With an excellent Return On Equity value of 12.78%, SSBK belongs to the best 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

  • With an excellent Profit Margin value of 35.83%, SSBK belongs to the best 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.
  • 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.
  • Compared to 5 years ago, SSBK has more shares outstanding
  • 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's Debt to FCF ratio of 2.50 is in line compared to the rest of the industry. SSBK outperforms 40.55% of its industry peers.
  • 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 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.
  • The Earnings Per Share has been growing by 41.80% on average over the past years. This is a very strong growth
  • SSBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.15%.
  • Measured over the past years, SSBK shows a quite strong growth in Revenue. The Revenue has been growing by 18.98% on average per year.
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

  • 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.
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

  • 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 cheaper than 89.17% of the companies in the same industry.
  • SSBK is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • SSBK is valuated reasonably with a Price/Forward Earnings ratio of 8.55.
  • 76.83% of the companies in the same industry are more expensive than SSBK, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of SSBK to the average of the S&P500 Index (24.57), we can say SSBK is valued rather cheaply.
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 64.99% of the companies in the same industry.
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.
  • Compared to an average industry Dividend Yield of 2.73, 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 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

  • 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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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.