Stock SSBK SOUTHERN STATES BANCSHARES, INC.
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Financials Southern States Bancshares, Inc.

Equities

SSBK

US8438783073

Banks

Delayed Nasdaq
Other stock markets
 01:17:23 2024-04-30 pm EDT 		5-day change 1st Jan Change
24.18 USD -4.26% Intraday chart for Southern States Bancshares, Inc. -1.53% -17.44%
Apr. 22 Earnings Flash (SSBK) SOUTHERN STATES BANCSHARES Posts Q1 Revenue $22.1M MT
Apr. 22 Earnings Flash (SSBK) SOUTHERN STATES BANCSHARES Reports Q1 EPS $0.90 MT

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025
Capitalization 1 176.4 252.1 258.7 224.6 -
Enterprise Value (EV) 1 176.4 252.1 258.7 224.6 224.6
P/E ratio 8.78 x 9.59 x 8.29 x 6.92 x 6.82 x
Yield 0.92% 1.24% 1.23% 1.43% 1.43%
Capitalization / Revenue 2.77 x 3.15 x 2.93 x 2.32 x 2.05 x
EV / Revenue 2.77 x 3.15 x 2.93 x 2.32 x 2.05 x
EV / EBITDA - - - - -
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book 1 x 1.39 x 1.2 x 0.94 x 0.83 x
Nbr of stocks (in thousands) 9,013 8,707 8,836 8,895 -
Reference price 2 19.57 28.95 29.28 25.25 25.25
Announcement Date 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net sales 1 - 63.72 80.02 88.43 96.9 109.3
EBITDA - - - - - -
EBIT 1 - 24.01 37.89 46.11 51.8 59
Operating Margin - 37.68% 47.35% 52.14% 53.46% 53.98%
Earnings before Tax (EBT) 1 - 24.3 34.8 - 45 48.8
Net income 1 12.11 18.57 27.07 - 34.7 37.5
Net margin - 29.14% 33.83% - 35.81% 34.31%
EPS 2 1.560 2.230 3.020 3.530 3.650 3.700
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 - 0.1800 0.3600 0.3600 0.3600 0.3600
Announcement Date 4/16/21 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 15.22 15.85 15.99 17.77 20.77 25.49 21.33 - 17.84 - 22.11 22.6 25.5 26.8 26.5
EBITDA - - - - - - - - - - - - - - -
EBIT 1 6.033 6.502 7.058 8.159 10.68 11.99 10.66 - 13.13 - 11.74 12 13.7 14.3 14.1
Operating Margin 39.64% 41.03% 44.15% 45.92% 51.41% 47.05% 49.97% - 73.6% - 53.12% 53.1% 53.73% 53.36% 53.21%
Earnings before Tax (EBT) 1 6.214 5.503 5.997 6.813 8.874 13.11 9.993 - 8.495 - 10.5 10.4 11.8 12.3 11.9
Net income 1 4.921 4.058 4.557 5.223 6.7 10.59 7.671 - 6.629 - 8.119 8 9.1 9.5 9.1
Net margin 32.34% 25.61% 28.5% 29.39% 32.25% 41.56% 35.96% - 37.16% - 36.73% 35.4% 35.69% 35.45% 34.34%
EPS 2 0.5800 0.4400 0.5000 0.5900 0.7500 1.180 0.8500 0.9800 0.7300 - 0.9000 0.8900 0.9300 0.9300 0.9000
Dividend per Share 2 0.0900 0.0900 0.0900 0.0900 0.0900 0.0900 0.0800 0.0900 0.0900 0.0900 0.0900 0.0900 0.0900 0.0900 0.0900
Announcement Date 10/26/21 1/24/22 4/25/22 7/25/22 10/24/22 1/23/23 4/24/23 7/24/23 10/23/23 1/22/24 4/22/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) - 11.8% 15.6% 16.2% 14.5% 13.2%
ROA (Net income/ Total Assets) - 1.23% 1.43% 1.44% 1.31% 1.24%
Assets 1 - 1,510 1,893 - 2,649 3,024
Book Value Per Share 2 - 19.70 20.90 24.30 26.70 30.30
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 4/16/21 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
1
Last Close Price
25.25 USD
Average target price
35 USD
Spread / Average Target
+38.61%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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