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Southern States Bancshares, Inc. SSBK NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
69/100
4/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

Southern States Bancshares, Inc. (SSBK) is a Banks - Regional company in the Financial Services sector, currently trading at $36.37. It has a SharesGrow Score of 69/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $177M, +37.7%/yr average growth. Net income is $35M, growing at +24.3%/yr. Net profit margin is 19.7% (healthy). Gross margin is 53.1% (-35.5 pp trend).

Balance sheet: total debt is $131M against $280M equity (Debt-to-Equity (D/E) ratio 0.47, conservative). Current ratio is 0.13 (tight liquidity). Debt-to-assets is 4.6%. Total assets: $2.8B.

Analyst outlook: 1 / 2 analysts rate SSBK as buy (50%) — moderate consensus.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 43/100 (Fail), Future 40/100 (Partial), Income 70/100 (Pass).

SSBK SharesGrow Score Overview

69/100
SharesGrow Score
Above average fundamentals
View full scorecard →
VALUE 100/100
Valuation — P/E, PEG, Forward PEG
GROWTH 100/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 33/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 43/100
Gross margin is + market cap
FUTURE 40/100
Analyst outlook — as buy
INCOME 70/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — SSBK

✓
VALUE Pass
100/100
SSBK trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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✓
GROWTH Pass
100/100
SSBK: +37.7%/yr revenue is, +24.3%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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✓
PAST Pass
100/100
SSBK: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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✗
HEALTH Fail
33/100
Balance sheet SSBK: Debt-to-Equity (D/E) ratio 0.47 (conservative), Current ratio is 0.13 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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✗
MOAT Fail
43/100
SSBK: Gross margin is 53.1% (-35.5 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 43/100. ≥ 70 = Pass.
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~
FUTURE Partial
40/100
Analyst outlook: 1 / 2 analysts rate SSBK as buy (50%). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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✓
INCOME Pass
70/100
SSBK: Net profit margin is 19.7%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range25.92-39.16
Volume144.72K
Avg Volume (30D)36.75K
Market Cap$361.07M
Beta (1Y)0.28
Dividend Yield$0.3600
Share Statistics
EPS (TTM)3.72
Shares Outstanding$9.36M
IPO Date2021-08-12
Employees206
CEOMark A. Chambers
Financial Highlights & Ratios
Revenue (TTM)$177.17M
Gross Profit$94.14M
EBITDA$47.7M
Net Income$34.87M
Operating Income$45.59M
Total Cash$299.42M
Total Debt$131.22M
Net Debt$-49.93M
Total Assets$2.85B
Price / Earnings (P/E)9.8
Price / Sales (P/S)2.04
Analyst Forecast
Rating ConsensusBuy
Analysts Covering2
Buy 50% Hold 50% Sell 0%
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS8438783073

Price Chart

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SSBK
Southern States Bancshares, Inc. ↗  ·  NASDAQ Global Select
Financial Services • Banks - Regional
25.92 52WK RANGE 39.16

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