Price Alert

Southern States Bancshare... (SSBK)

NASDAQ: SSBK · Real-Time Price · USD

36.37

0.00 (0.00%)

At close: Jun 30, 2025, 3:59 PM

Southern States Bancshares Statistics

Share Statistics

Southern States Bancshares has 9.93M shares outstanding. The number of shares has increased by 11.34% in one year.

Shares Outstanding	9.93M
Shares Change (YoY)	11.34%
Shares Change (QoQ)	0.06%
Owned by Institutions (%)	54.98%
Shares Floating	7.46M
Failed to Deliver (FTD) Shares	155
FTD / Avg. Volume	0.42%

Short Selling Information

The latest short interest is 59.69K, so 0% of the outstanding shares have been sold short.

Short Interest	59.69K
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	1.37

Valuation Ratios

The PE ratio is 8.94 and the forward PE ratio is 8.72. Southern States Bancshares's PEG ratio is 3.61.

PE Ratio	8.94
Forward PE	8.72
PS Ratio	1.76
Forward PS	3.1
PB Ratio	1.11
P/FCF Ratio	8.17
PEG Ratio	3.61

Financial Ratio History

Enterprise Valuation

Southern States Bancshares has an Enterprise Value (EV) of 261.75M.

EV / Sales	1.48
EV / EBITDA	5.49
EV / EBIT	6.63
EV / FCF	6.86

Financial Position

The company has a current ratio of 0.13, with a Debt / Equity ratio of 0.47.

Current Ratio	0.13
Quick Ratio	0.13
Debt / Equity	0.47
Debt / EBITDA	2.75
Debt / FCF	3.44
Interest Coverage	0.58

Financial Efficiency

Return on Equity is 12.46% and Return on Invested Capital is 8.02%.

Return on Equity	12.46%
Return on Assets	1.22%
Return on Invested Capital	8.02%
Revenue Per Employee	$860.05K
Profits Per Employee	$169.26K
Employee Count	206
Asset Turnover	0.06
Inventory Turnover	n/a

Taxes

Income Tax	10.72M
Effective Tax Rate	23.52%

Stock Price Statistics

The stock price has increased by 26.81% in the last 52 weeks. The beta is 0.28, so Southern States Bancshares's price volatility has been higher than the market average.

Beta	0.28
52-Week Price Change	26.81%
50-Day Moving Average	34.86
200-Day Moving Average	33.38
Relative Strength Index (RSI)	61.75
Average Volume (20 Days)	36,750

Income Statement

In the last 12 months, Southern States Bancshares had revenue of 177.17M and earned 34.87M in profits. Earnings per share was 3.72.

Revenue	177.17M
Gross Profit	94.14M
Operating Income	45.59M
Net Income	34.87M
EBITDA	47.7M
EBIT	45.59M
Earnings Per Share (EPS)	3.72

Full Income Statement

Balance Sheet

The company has 181.15M in cash and 131.22M in debt, giving a net cash position of 49.93M.

Cash & Cash Equivalents	181.15M
Total Debt	131.22M
Net Cash	49.93M
Retained Earnings	134.07M
Total Assets	2.85B
Working Capital	-2.16B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 39.46M and capital expenditures -1.36M, giving a free cash flow of 38.15M.

Operating Cash Flow	39.46M
Capital Expenditures	-1.36M
Free Cash Flow	38.15M
FCF Per Share	4.08

Full Cash Flow Statement

Margins

Gross margin is 53.14%, with operating and profit margins of 25.73% and 19.68%.

Gross Margin	53.14%
Operating Margin	25.73%
Pretax Margin	25.73%
Profit Margin	19.68%
EBITDA Margin	26.92%
EBIT Margin	25.73%
FCF Margin	21.53%

Dividends & Yields

SSBK pays an annual dividend of $0.45, which amounts to a dividend yield of 1.06%.

Dividend Per Share	$0.45
Dividend Yield	1.06%
Dividend Growth (YoY)	0%
Payout Ratio	11.84%
Earnings Yield	11.19%
FCF Yield	12.24%

Dividend Details

Analyst Forecast

The average price target for SSBK is $36, which is -1% lower than the current price. The consensus rating is "Buy".

Price Target	$36
Price Target Difference	-1%
Analyst Consensus	Buy
Analyst Count	1

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$80.95
Lynch Upside	122.57%
Graham Number	50.08
Graham Upside	37.7%

Scores

Altman Z-Score	-0.63
Piotroski F-Score	7