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SSBK Southern States Bancshares Inc

Price (delayed)

$34.13

Market cap

$337.37M

P/E Ratio

9.51

Dividend/share

$0.36

EPS

$3.59

Enterprise value

$180.6M

Highlights
The company's equity rose by 34% YoY and by 18% QoQ
The debt has declined by 17% year-on-year and by 12% since the previous quarter
SSBK's net income is down by 3.2% year-on-year but it is up by 2.3% since the previous quarter
The stock's price to earnings (P/E) is 22% more than its last 4 quarters average of 7.8
Southern States Bancshares's EPS has decreased by 6% YoY

Key stats

What are the main financial stats of SSBK
Market
Shares outstanding
9.88M
Market cap
$337.37M
Enterprise value
$180.6M
Valuations
Price to book (P/B)
1.12
Price to sales (P/S)
3.49
EV/EBIT
4.31
EV/EBITDA
4.14
EV/Sales
2.07
Earnings
Revenue
$87.11M
Gross profit
$87.11M
Net income
$32.57M
EBIT
$41.92M
EBITDA
$43.67M
Free cash flow
$35.13M
Per share
EPS
$3.59
EPS diluted
$3.53
Free cash flow per share
$3.94
Book value per share
$30.43
Revenue per share
$9.77
TBVPS
$314.15
Balance sheet
Total assets
$2.84B
Total liabilities
$2.57B
Debt
$121.08M
Equity
$271.37M
Working capital
N/A
Liquidity
Debt to equity
0.45
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.59
Margins
EBITDA margin
50.1%
Gross margin
100%
Net margin
37.4%
Operating margin
48.1%
Efficiency
Return on assets
1.3%
Return on equity
13.9%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
48.1%
Dividend
Dividend yield
1.05%
DPS
$0.36
Payout ratio
10%

SSBK stock price

How has the Southern States Bancshares stock price performed over time
Intraday
1.22%
1 week
-3.59%
1 month
-8.03%
1 year
15.81%
YTD
16.56%
QTD
11.06%

Financial performance

How have Southern States Bancshares's revenue and profit performed over time
Revenue
$87.11M
Gross profit
$87.11M
Operating income
$41.92M
Net income
$32.57M
Gross margin
100%
Net margin
37.4%
SSBK's revenue is up by 8% since the previous quarter
Southern States Bancshares's gross profit has increased by 8% from the previous quarter
SSBK's operating margin is down by 4.6% QoQ and by 4.2% YoY
The net margin has declined by 5% since the previous quarter and by 5% year-on-year

Growth

What is Southern States Bancshares's growth rate over time

Valuation

What is Southern States Bancshares stock price valuation
P/E
9.51
P/B
1.12
P/S
3.49
EV/EBIT
4.31
EV/EBITDA
4.14
EV/Sales
2.07
The stock's price to earnings (P/E) is 22% more than its last 4 quarters average of 7.8
Southern States Bancshares's EPS has decreased by 6% YoY
The company's equity rose by 34% YoY and by 18% QoQ
The P/S is 16% above the last 4 quarters average of 3.0
SSBK's revenue is up by 8% since the previous quarter

Efficiency

How efficient is Southern States Bancshares business performance
Southern States Bancshares's return on equity has decreased by 21% YoY and by 4.8% QoQ
The return on invested capital has declined by 19% year-on-year
The company's return on assets fell by 13% YoY
Southern States Bancshares's return on sales has decreased by 4.6% QoQ and by 4.2% YoY

Dividends

What is SSBK's dividend history
DPS
$0.36
Dividend yield
1.05%
Payout ratio
10%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Southern States Bancshares financials performed over time
SSBK's total assets is 11% greater than its total liabilities
SSBK's total assets is up by 24% year-on-year and by 10% since the previous quarter
SSBK's total liabilities is up by 23% YoY and by 10% QoQ
The debt is 55% smaller than the equity
The debt to equity has declined by 38% year-on-year and by 24% since the previous quarter
The company's equity rose by 34% YoY and by 18% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.