Financhill
Buy
66

SSBK Quote, Financials, Valuation and Earnings

Last price:
$34.38
Seasonality move :
13.61%
Day range:
$33.90 - $34.78
52-week range:
$25.08 - $39.16
Dividend yield:
1.06%
P/E ratio:
8.98x
P/S ratio:
3.21x
P/B ratio:
1.17x
Volume:
29.7K
Avg. volume:
25.3K
1-year change:
33.44%
Market cap:
$338.7M
Revenue:
$99.1M
EPS (TTM):
$3.80

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
SSBK
Southern States Bancshares
$26.8M $0.98 18.1% 10% $40.50
CMA
Comerica
$837.3M $1.13 2.57% -17.56% $59.10
FBK
FB Financial
$131.9M $0.84 6.32% 3.33% $55.20
PNC
PNC Financial Services Group
$5.5B $3.39 20.09% 5.31% $196.20
PVBC
Provident Bancorp
$14.9M $0.22 13.28% -26.67% $12.50
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
SSBK
Southern States Bancshares
$34.12 $40.50 $338.7M 8.98x $0.09 1.06% 3.21x
CMA
Comerica
$55.00 $59.10 $7.2B 10.40x $0.71 5.16% 2.24x
FBK
FB Financial
$42.55 $55.20 $2B 15.64x $0.19 1.69% 4.14x
PNC
PNC Financial Services Group
$173.20 $196.20 $68.5B 12.23x $1.60 3.7% 3.28x
PVBC
Provident Bancorp
$11.74 $12.50 $208.8M 45.15x $0.00 0% 3.55x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
SSBK
Southern States Bancshares
27.74% 0.693 31.4% 13.26x
CMA
Comerica
49.67% 1.778 85.44% 11.68x
FBK
FB Financial
9.54% 1.590 7.83% 28.74x
PNC
PNC Financial Services Group
51.84% 1.745 87.23% --
PVBC
Provident Bancorp
35.27% 1.068 62.45% 1.10x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
SSBK
Southern States Bancshares
-- -- 9.55% 14.33% 119.61% $9.6M
CMA
Comerica
-- -- 5.3% 11.03% 69.24% $266M
FBK
FB Financial
-- -- 7.11% 8.26% 92.08% -$18.1M
PNC
PNC Financial Services Group
-- -- 4.99% 11.16% 82.61% -$509M
PVBC
Provident Bancorp
-- -- 1.33% 1.95% 75.63% $2.1M

Southern States Bancshares vs. Competitors

  • Which has Higher Returns SSBK or CMA?

    Comerica has a net margin of 39.01% compared to Southern States Bancshares's net margin of 20.75%. Southern States Bancshares's return on equity of 14.33% beat Comerica's return on equity of 11.03%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBK
    Southern States Bancshares
    -- $1.03 $401.6M
    CMA
    Comerica
    -- $1.25 $14B
  • What do Analysts Say About SSBK or CMA?

    Southern States Bancshares has a consensus price target of $40.50, signalling upside risk potential of 18.7%. On the other hand Comerica has an analysts' consensus of $59.10 which suggests that it could grow by 7.46%. Given that Southern States Bancshares has higher upside potential than Comerica, analysts believe Southern States Bancshares is more attractive than Comerica.

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBK
    Southern States Bancshares
    1 1 0
    CMA
    Comerica
    1 12 3
  • Is SSBK or CMA More Risky?

    Southern States Bancshares has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Comerica has a beta of 0.925, suggesting its less volatile than the S&P 500 by 7.539%.

  • Which is a Better Dividend Stock SSBK or CMA?

    Southern States Bancshares has a quarterly dividend of $0.09 per share corresponding to a yield of 1.06%. Comerica offers a yield of 5.16% to investors and pays a quarterly dividend of $0.71 per share. Southern States Bancshares pays 9.51% of its earnings as a dividend. Comerica pays out 57.31% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBK or CMA?

    Southern States Bancshares quarterly revenues are $26.5M, which are smaller than Comerica quarterly revenues of $829M. Southern States Bancshares's net income of $10.4M is lower than Comerica's net income of $172M. Notably, Southern States Bancshares's price-to-earnings ratio is 8.98x while Comerica's PE ratio is 10.40x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Southern States Bancshares is 3.21x versus 2.24x for Comerica. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBK
    Southern States Bancshares
    3.21x 8.98x $26.5M $10.4M
    CMA
    Comerica
    2.24x 10.40x $829M $172M
  • Which has Higher Returns SSBK or FBK?

    FB Financial has a net margin of 39.01% compared to Southern States Bancshares's net margin of 29.98%. Southern States Bancshares's return on equity of 14.33% beat FB Financial's return on equity of 8.26%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBK
    Southern States Bancshares
    -- $1.03 $401.6M
    FBK
    FB Financial
    -- $0.84 $1.8B
  • What do Analysts Say About SSBK or FBK?

    Southern States Bancshares has a consensus price target of $40.50, signalling upside risk potential of 18.7%. On the other hand FB Financial has an analysts' consensus of $55.20 which suggests that it could grow by 29.73%. Given that FB Financial has higher upside potential than Southern States Bancshares, analysts believe FB Financial is more attractive than Southern States Bancshares.

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBK
    Southern States Bancshares
    1 1 0
    FBK
    FB Financial
    3 2 0
  • Is SSBK or FBK More Risky?

    Southern States Bancshares has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison FB Financial has a beta of 0.914, suggesting its less volatile than the S&P 500 by 8.62%.

  • Which is a Better Dividend Stock SSBK or FBK?

    Southern States Bancshares has a quarterly dividend of $0.09 per share corresponding to a yield of 1.06%. FB Financial offers a yield of 1.69% to investors and pays a quarterly dividend of $0.19 per share. Southern States Bancshares pays 9.51% of its earnings as a dividend. FB Financial pays out 27.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBK or FBK?

    Southern States Bancshares quarterly revenues are $26.5M, which are smaller than FB Financial quarterly revenues of $131.3M. Southern States Bancshares's net income of $10.4M is lower than FB Financial's net income of $39.4M. Notably, Southern States Bancshares's price-to-earnings ratio is 8.98x while FB Financial's PE ratio is 15.64x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Southern States Bancshares is 3.21x versus 4.14x for FB Financial. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBK
    Southern States Bancshares
    3.21x 8.98x $26.5M $10.4M
    FBK
    FB Financial
    4.14x 15.64x $131.3M $39.4M
  • Which has Higher Returns SSBK or PNC?

    PNC Financial Services Group has a net margin of 39.01% compared to Southern States Bancshares's net margin of 27.19%. Southern States Bancshares's return on equity of 14.33% beat PNC Financial Services Group's return on equity of 11.16%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBK
    Southern States Bancshares
    -- $1.03 $401.6M
    PNC
    PNC Financial Services Group
    -- $3.51 $117.2B
  • What do Analysts Say About SSBK or PNC?

    Southern States Bancshares has a consensus price target of $40.50, signalling upside risk potential of 18.7%. On the other hand PNC Financial Services Group has an analysts' consensus of $196.20 which suggests that it could grow by 13.28%. Given that Southern States Bancshares has higher upside potential than PNC Financial Services Group, analysts believe Southern States Bancshares is more attractive than PNC Financial Services Group.

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBK
    Southern States Bancshares
    1 1 0
    PNC
    PNC Financial Services Group
    11 7 1
  • Is SSBK or PNC More Risky?

    Southern States Bancshares has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison PNC Financial Services Group has a beta of 1.065, suggesting its more volatile than the S&P 500 by 6.503%.

  • Which is a Better Dividend Stock SSBK or PNC?

    Southern States Bancshares has a quarterly dividend of $0.09 per share corresponding to a yield of 1.06%. PNC Financial Services Group offers a yield of 3.7% to investors and pays a quarterly dividend of $1.60 per share. Southern States Bancshares pays 9.51% of its earnings as a dividend. PNC Financial Services Group pays out 49.06% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBK or PNC?

    Southern States Bancshares quarterly revenues are $26.5M, which are smaller than PNC Financial Services Group quarterly revenues of $5.4B. Southern States Bancshares's net income of $10.4M is lower than PNC Financial Services Group's net income of $1.5B. Notably, Southern States Bancshares's price-to-earnings ratio is 8.98x while PNC Financial Services Group's PE ratio is 12.23x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Southern States Bancshares is 3.21x versus 3.28x for PNC Financial Services Group. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBK
    Southern States Bancshares
    3.21x 8.98x $26.5M $10.4M
    PNC
    PNC Financial Services Group
    3.28x 12.23x $5.4B $1.5B
  • Which has Higher Returns SSBK or PVBC?

    Provident Bancorp has a net margin of 39.01% compared to Southern States Bancshares's net margin of 15.57%. Southern States Bancshares's return on equity of 14.33% beat Provident Bancorp's return on equity of 1.95%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBK
    Southern States Bancshares
    -- $1.03 $401.6M
    PVBC
    Provident Bancorp
    -- $0.13 $361.6M
  • What do Analysts Say About SSBK or PVBC?

    Southern States Bancshares has a consensus price target of $40.50, signalling upside risk potential of 18.7%. On the other hand Provident Bancorp has an analysts' consensus of $12.50 which suggests that it could grow by 6.47%. Given that Southern States Bancshares has higher upside potential than Provident Bancorp, analysts believe Southern States Bancshares is more attractive than Provident Bancorp.

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBK
    Southern States Bancshares
    1 1 0
    PVBC
    Provident Bancorp
    0 1 0
  • Is SSBK or PVBC More Risky?

    Southern States Bancshares has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Provident Bancorp has a beta of 0.285, suggesting its less volatile than the S&P 500 by 71.484%.

  • Which is a Better Dividend Stock SSBK or PVBC?

    Southern States Bancshares has a quarterly dividend of $0.09 per share corresponding to a yield of 1.06%. Provident Bancorp offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Southern States Bancshares pays 9.51% of its earnings as a dividend. Provident Bancorp pays out -- of its earnings as a dividend. Southern States Bancshares's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBK or PVBC?

    Southern States Bancshares quarterly revenues are $26.5M, which are larger than Provident Bancorp quarterly revenues of $13.9M. Southern States Bancshares's net income of $10.4M is higher than Provident Bancorp's net income of $2.2M. Notably, Southern States Bancshares's price-to-earnings ratio is 8.98x while Provident Bancorp's PE ratio is 45.15x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Southern States Bancshares is 3.21x versus 3.55x for Provident Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBK
    Southern States Bancshares
    3.21x 8.98x $26.5M $10.4M
    PVBC
    Provident Bancorp
    3.55x 45.15x $13.9M $2.2M

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