NASDAQ: SSBKSouthern States Bancshares Inc Stock
$32.62+0.11 (+0.34%)
Updated Mar 26, 2025
SSBK Price
$32.62
Fair Value Price
$47.52
Market Cap
$323.66M
52 Week Low
$22.13
52 Week High
$39.16
P/E
8.77x
P/B
1.16x
P/S
3.5x
PEG
0.34x
Dividend Yield
0.55%
Revenue
$94.14M
Earnings
$34.87M
Gross Margin
100%
Operating Margin
48.43%
Profit Margin
37%
Debt to Equity
9.18
Operating Cash Flow
$40M
Beta
0.37
Next Earnings
May 15, 2025
Ex-Dividend
N/A
Next Dividend
N/A
SSBK Overview
Southern States Bancshares Incorporated is the holding company for Southern States Bank. It provides community banking services to businesses and individuals. Offerings include savings, money market, and noninterest-bearing demand accounts, certificates of deposit, and time deposits. It also provides loans for real estate construction and development, residential mortgages, and commercial real estate mortgage loans, commercial and industrial loans, and direct consumer installment loans. Southern States Bancshares founded in 2007 and is headquartered in Anniston, AL.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine SSBK's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
SSBK
Ranked#18 of 292
Ranked#18 of 292
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $33.84 | B | |
| $29.46 | B | |
| $30.01 | B |
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SSBK News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how SSBK scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
SSBK ($32.62) is undervalued by 31.35% relative to our estimate of its Fair Value price of $47.52 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SSBK ($32.62) is significantly undervalued by 31.35% relative to our estimate of its Fair Value price of $47.52 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
SSBK ($32.62) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more SSBK due diligence checks available for Premium users.
Valuation
SSBK fair value
Fair Value of SSBK stock based on Discounted Cash Flow (DCF)
Price
$32.62
Fair Value
$47.52
Undervalued by
31.35%
SSBK ($32.62) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SSBK ($32.62) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SSBK ($32.62) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
SSBK price to earnings (PE)
For valuing profitable companies with steady earnings
Company
8.77x
Industry
13.07x
Market
31.65x
SSBK is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SSBK is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
SSBK price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.16x
Industry
1.14x
SSBK is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
SSBK price to earnings growth (PEG)
For valuing profitable companies with growth potential
SSBK is good value based... subscribe to Premium to read more.
PEG Value Valuation
SSBK's financial health
Profit margin
Revenue
$28.0M
Net Income
$11.2M
Profit Margin
40%
SSBK's Earnings (EBIT) of $45.59M... subscribe to Premium to read more.
Interest Coverage Financials
SSBK's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.8B
Liabilities
$2.6B
Debt to equity
9.18
SSBK's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
SSBK's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$10.9M
Investing
-$28.6M
Financing
$101.0k
SSBK's operating cash flow ($39.51M)... subscribe to Premium to read more.
Debt Coverage Financials
SSBK vs Bank Stocks
Southern States Bancshares Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.