Fundamental Analysis of Southern States Bancshares Inc - Growth / Value Index


SSBK - Valuation Highlights

Valuation Analysis

   Tsr Value Index - Excellent Score of 82.81
   Undervalued - Price to Intrinsic Value of 0.074
   Price to Earning Ratio is 7.56 and EV to EBITDA is 7.58 suggesting company is undervalued.
   Book Value in last 3 years is trending up
Valuation Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Price to Earning 7.46 7.63 -12.11 %
Price to Book 1.18 1.13 -12.31 % 1.09
Price to Sales 1.96 1.73 -41.19 %
Enterprise Value to EBITDA Multiple 10.42 9.62 80.50 %


SSBK - Profitability Highlights

Profitability Analysis

   Tsr Profitability Index - Good Score of 70.00
   Earning Yield of 13.22 %
   Tremendous increasing trend in Net Profit for last 3 year
   Excellent Net Margin for last 3 years
   Company Earning excess return
   During the past twelve months, the company has given a strong Net Margin of 30.50%
   All key Trailing Twelve Months Margin growing by 15 %
   EBITDA is continuously increasing for last 3 Years
   Steady Growth in EPS for last four quarters
   Good Return on Equity of 16.21% is achieved by the company
   In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
Ratio TTM Latest FY Yoy Change MRQ
Return On Equity 15.78 14.86 -0.223 % 3.64
Return On Asset 1.39 1.31 -1.34 % 0.323
Net Profit Margin 26.25 22.64 -33.08 % 20.30
Operating Profit Margin 54.00 90.48 -38.46 % 27.14
EBITDA Margin 36.60 34.93 -39.65 % -0.900


Highlights
Market Cap239981 K
Enterprise Value470537 K
Price/Book TTM1.18
Outstanding Share8894.79 K
Float/ Outstanding Share56.38%
Dividend Yield1.34 %
Share Holding
Guru Numbers
Price/Graham No0.613
Peter Lynch Ratio1.85
Piotroski F Score6.00
Altman Z Score0.245
Sloan Ratio-0.0037
Peter Lynch Fair Value0


SSBK - Growth Highlights

Growth Analysis

   STRONG JUMP IN NET SALE : YoY growth
   Tremendous increasing trend in total sale last 3 year
   Steady increase in Total Assets for last 3 Years
Growth Key Fields
Field TTM YoY Growth QoQ Growth
Revenue 123425 K 76.38 % 1.82 %
Gross Profit 120973 K 76.38 % 4.42 %
EBITDA 45172.00 K 6.45 % 102.74 %
Net Profit 32400.00 K 18.03 % 8.73 %
EPS 3.62 13.78 % NA


SSBK - Stability Highlights

Stability Analysis

   Altman Z Score of 0.246 suggest high risk
Stability Key Ratios
Ratio Latest FY Yoy Change MRQ
Debt to Equity Ratio 0.981 51.98 % 0.928
Cash Ratio -0.0448 -129.58 %
Quick Ratio 0.565 267.09 % 1.18
Shareholders Equity 8.79 -1.12 %
Debt to EBITDA 4.28 68.89 %


Historical Valuation Ratios of Southern States Bancshares Inc

Historical Valuation Ratios
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Historical Profitability Ratios of Southern States Bancshares Inc

Historical Profitability Ratios
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Historical Efficiency Ratios of Southern States Bancshares Inc

Historical Efficiency Ratios
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Historical Solvency Ratios of Southern States Bancshares Inc

Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)