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SSBK Southern States Bancshares Inc

Price (delayed)

$35.53

Market cap

$352.59M

P/E Ratio

9.23

Dividend/share

$0.36

EPS

$3.85

Enterprise value

$234.6M

Highlights
The company's equity rose by 30% YoY and by 3.7% QoQ
The debt has declined by 24% year-on-year and by 15% since the previous quarter
The stock's price to earnings (P/E) is 4.2% more than its last 4 quarters average of 8.6

Key stats

What are the main financial stats of SSBK
Market
Shares outstanding
9.92M
Market cap
$352.59M
Enterprise value
$234.6M
Valuations
Price to earnings (P/E)
9.23
Price to book (P/B)
1.21
Price to sales (P/S)
3.56
EV/EBIT
4.83
EV/EBITDA
4.6
EV/Sales
2.37
Earnings
Revenue
$99.03M
Gross profit
$99.03M
Operating income
$48.55M
Net income
$37.1M
EBIT
$48.55M
EBITDA
$51.01M
Free cash flow
$36.48M
Per share
EPS
$3.85
EPS diluted
$3.82
Free cash flow per share
$3.68
Book value per share
$29.25
Revenue per share
$9.98
TBVPS
$283.15
Balance sheet
Total assets
$2.85B
Total liabilities
$2.56B
Debt
$111.38M
Equity
$290.18M
Working capital
N/A
Liquidity
Debt to equity
0.38
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.31
Margins
EBITDA margin
51.5%
Gross margin
100%
Net margin
37.5%
Operating margin
49%
Efficiency
Return on assets
1.3%
Return on equity
13.8%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
49%
Dividend
Dividend yield
1.01%
DPS
$0.36
Payout ratio
9.4%

SSBK stock price

How has the Southern States Bancshares stock price performed over time
Intraday
2.99%
1 week
4.87%
1 month
14.45%
1 year
34.63%
YTD
6.66%
QTD
-0.62%

Financial performance

How have Southern States Bancshares's revenue and profit performed over time
Revenue
$99.03M
Gross profit
$99.03M
Operating income
$48.55M
Net income
$37.1M
Gross margin
100%
Net margin
37.5%
Southern States Bancshares's gross profit has increased by 18% YoY and by 5% from the previous quarter
SSBK's revenue is up by 18% year-on-year and by 5% since the previous quarter
SSBK's operating income is up by 17% YoY and by 6% from the previous quarter
SSBK's net income is up by 15% year-on-year and by 6% since the previous quarter

Price vs fundamentals

How does SSBK's price correlate with its fundamentals

Growth

What is Southern States Bancshares's growth rate over time

Valuation

What is Southern States Bancshares stock price valuation
P/E
9.23
P/B
1.21
P/S
3.56
EV/EBIT
4.83
EV/EBITDA
4.6
EV/Sales
2.37
Southern States Bancshares's EPS has increased by 4.9% YoY and by 3.5% QoQ
The stock's price to earnings (P/E) is 4.2% more than its last 4 quarters average of 8.6
The company's equity rose by 30% YoY and by 3.7% QoQ
The price to book (P/B) is 7% higher than the last 4 quarters average of 1.1
SSBK's revenue is up by 18% year-on-year and by 5% since the previous quarter
The P/S is 4.8% above the last 4 quarters average of 3.3

Efficiency

How efficient is Southern States Bancshares business performance
Southern States Bancshares's return on equity has decreased by 11% YoY
The company's return on assets fell by 7% YoY
The return on invested capital is up by 6% since the previous quarter and by 6% year-on-year

Dividends

What is SSBK's dividend history
DPS
$0.36
Dividend yield
1.01%
Payout ratio
9.4%
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 14% year-on-year
SSBK's total liabilities is up by 12% YoY
The debt is 62% smaller than the equity
The debt to equity has declined by 42% year-on-year and by 19% since the previous quarter
The company's equity rose by 30% YoY and by 3.7% QoQ

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