Southern States Bancshares Inc
NASDAQ:SSBK

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Southern States Bancshares Inc Logo
Southern States Bancshares Inc
NASDAQ:SSBK
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Price: 37.11 USD 0.76% Market Closed
Market Cap: 331m USD
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Intrinsic Value

The intrinsic value of one SSBK stock under the Base Case scenario is 52.93 USD. Compared to the current market price of 37.11 USD, Southern States Bancshares Inc is Undervalued by 30%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

SSBK Intrinsic Value
52.93 USD
Undervaluation 30%
Intrinsic Value
Price
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Valuation Backtest
Southern States Bancshares Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Southern States Bancshares Inc

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Financials
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Balance Sheet Decomposition
Southern States Bancshares Inc

Net Loans 2.2B
Investments 479m
PP&E 32.3m
Intangibles 40.3m
Other Assets 118.6m
Total Deposits 2.4B
Short Term Debt 8m
Long Term Debt 91.1m
Other Liabilities 50.4m

Wall St
Price Targets

SSBK Price Targets Summary
Southern States Bancshares Inc

Wall Street analysts forecast SSBK stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for SSBK is 35.7 USD with a low forecast of 35.35 USD and a high forecast of 36.75 USD.

Lowest
Price Target
35.35 USD
5% Downside
Average
Price Target
35.7 USD
4% Downside
Highest
Price Target
36.75 USD
1% Downside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
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Unsafe
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Safe
0
25
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Shareholder Yield

Current shareholder yield for SSBK is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
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Highest
Buyback Yield
Lowest
Average
Highest

Ownership

SSBK Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Southern States Bancshares Inc Logo
Southern States Bancshares Inc

Country

United States of America

Industry

Banking

Market Cap

331m USD

Dividend Yield

0.97%

Description

Southern States Bancshares, Inc. is a bank holding company, which engages in the provision of community banking services. The company is headquartered in Anniston, Alabama and currently employs 191 full-time employees. The company went IPO on 2021-08-12. The firm is a full-service community banking institution, which offers deposit, loan and other banking-related products and services to businesses and individuals. Its franchise is focused on personalized, relationship-driven service combined with local market management and ability to serve small and medium size businesses and individuals. The firm provide banking services from approximately 15 offices in Alabama and Georgia. The Bank's primary service areas in Alabama are Anniston, Auburn, Birmingham and Huntsville with a presence extending into Calhoun, Lee, Jefferson, Talladega, Madison, Cleburne and Randolph Counties of Alabama and their surrounding areas. The Bank is primarily involved in real estate, commercial, agricultural and consumer lending activities.

Contact

ALABAMA
Anniston
615 Quintard Avenue
+12562411092.0
southernstatesbank.net

IPO

2021-08-12

Employees

191

Officers

CEO, President & Director
Mr. Mark A. Chambers
Senior EVP & CFO
Ms. Lynn J. Joyce
Senior EVP & Chief Risk Officer
Mr. Gregory B. Smith
President of Coweta & Fayette Counties, GA
Mr. Garnet Reynolds
President of Calhoun County, AL
Mr. Jason Alderman
President of Jefferson and Shelby Counties
Warren Giardina
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Corporate Secretary
Ms. Kelly M. Parkinson
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See Also

Discover More
What is the Intrinsic Value of one SSBK stock?

The intrinsic value of one SSBK stock under the Base Case scenario is 52.93 USD.

Is SSBK stock undervalued or overvalued?

Compared to the current market price of 37.11 USD, Southern States Bancshares Inc is Undervalued by 30%.

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