SSBK Southern States Bancshares Inc
Price (delayed)
$32.88
Market cap
$325.01M
P/E Ratio
9.16
Dividend/share
$0.36
EPS
$3.59
Enterprise value
$168.24M
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 17% 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
Valuations
Earnings
Shares outstanding
9.88M
Market cap
$325.01M
Enterprise value
$168.24M
Price to earnings (P/E)
9.16
Price to book (P/B)
1.08
Price to sales (P/S)
3.37
EV/EBIT
4.01
EV/EBITDA
3.85
EV/Sales
1.93
Revenue
$87.11M
Gross profit
$87.11M
Operating income
$41.92M
Net income
$32.57M
EBIT
$41.92M
EBITDA
$43.67M
Free cash flow
$35.13M
Per share
Balance sheet
Liquidity
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
Total assets
$2.84B
Total liabilities
$2.57B
Debt
$121.08M
Equity
$271.37M
Working capital
N/A
Debt to equity
0.45
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-3.59
Margins
Efficiency
Dividend
EBITDA margin
50.1%
Gross margin
100%
Net margin
37.4%
Operating margin
48.1%
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 yield
1.09%
DPS
$0.36
Payout ratio
10%
SSBK stock price
How has the Southern States Bancshares stock price performed over time
Intraday
1.95%
1 week
-3.29%
1 month
1.48%
1 year
27.15%
YTD
-1.29%
QTD
-1.29%
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%
Southern States Bancshares's gross profit has increased by 8% from the previous quarter
SSBK's revenue is up by 8% since 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
9.16
P/B
1.08
P/S
3.37
EV/EBIT
4.01
EV/EBITDA
3.85
EV/Sales
1.93
The stock's price to earnings (P/E) is 17% 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 12% 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
1.09%
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.