Southern States Bancshares, Inc.

SSBK

SSBKSouthern States Bancshares, Inc. US flag

NASDAQ Global Select

36.37

USD

-0.03

- -

361.07MMarket Cap

Profitability (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	- -	17.97	22.17	25.49	24.16	21.07
Return on Assets (%)	- -	1	1.19	1.41	1.42	1.32
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
EBITDA Margin (%)	3.11	4.43	3.38	1.91	1.68	2.13
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	19.46	29.2	38.14	43.49	46.1	46.01
Profit Margin (%)	13.48	24.16	29.14	33.83	35.91	35.19
Net Income to Common Margin (%)	13.48	24.16	29.14	33.83	35.91	35.19
Effective Tax Rate (%)	30.74	17.26	23.59	22.2	22.11	23.52
Dvd Payout Ratio (%)	42.34	15.21	15.58	11.69	9.99	9.51
Sustainable Growth Rate (%)	- -	15.24	18.72	22.51	21.75	19.07

Credit (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	12	43	38	117	242	131
ST Debt	8	8	12	31	58	40
LT Debt	4	35	26	86	184	91
Total Debt/EBITDA	9.65	19.54	17.87	76.86	161.65	62.22
Net Debt/EBITDA	-60.88	-14.13	-79.69	7.76	58.27	-23.67
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.68	5.45	5.32	5.74	6.01	6.46
Long-Term Debt/Equity (%)	3.54	25.16	14.64	47.49	85.44	32.59
Long-Term Debt/Capital (%)	6	30.53	19.46	36.76	47.26	28.95
Long-Term Debt/Total Assets (%)	0.41	2.66	1.46	4.22	7.51	3.2
Total Debt/Equity (%)	9.84	30.83	21.7	64.55	112.42	46.88
Total Debt/Capital (%)	16.7	37.4	28.83	49.96	62.18	41.64
Total Debt/Total Assets (%)	1.14	3.25	2.16	5.74	9.88	4.61
Net Debt to Equity	-62.11	-22.3	-96.78	6.51	40.53	-17.84
Net Debt/Capital (%)	477.14	-76.11	223.98	9.15	37.21	-37.27
EBITDA	1	2	2	2	1	2
EBITDA-CapEx	- -	-4	-2	-1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.68	5.45	5.32	5.74	6.01	6.46
Long-Term Debt/Equity (%)	3.54	25.16	14.64	47.49	85.44	32.59
Long-Term Debt/Capital (%)	6	30.53	19.46	36.76	47.26	28.95
Long-Term Debt/Total Assets (%)	0.41	2.66	1.46	4.22	7.51	3.2
Total Debt/Equity (%)	9.84	30.83	21.7	64.55	112.42	46.88
Total Debt/Capital (%)	16.7	37.4	28.83	49.96	62.18	41.64
Total Debt/Total Assets (%)	1.14	3.25	2.16	5.74	9.88	4.61
CFO/Total Liabilities	1.14	0.96	1.85	2.09	1.76	1.54
CFO/CapEx	7.91	1.72	6.59	14.95	158.05	29.03
Altman's Z-Score	0.07	0.07	0.13	0.17	0.16	0.17

Working Capital (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	- -	13.87	15.15	14.37	11.35	10.53
Days Sales Outstanding	- -	26.32	24.1	25.39	32.15	34.66
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	- -	- -	153	246	254	311
- Cash & Cash Equivalents	91	75	210	105	155	181
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	12	43	38	117	242	131
Enterprise Value	-139	-145	-150	103	244	143
Total Capital	75	116	133	235	389	315
Total Debt/Capital (%)	16.7	37.4	28.83	49.96	62.18	41.64
Total Debt / EV	-0.09	-0.3	-0.26	1.14	0.99	0.92
EV/Sales	- -	- -	- -	1.28	2.74	1.44
EV/EBITDA	- -	- -	- -	67.29	162.99	67.64
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.64	6.19	3.61
EV/Free Cash Flow to Firm	- -	- -	- -	2.48	6.15	3.49
Diluted Market Cap	- -	- -	156	251	261	316
Diluted Enterprise Value	-79	-31	-16	263	348	266
EV per Share	- -	- -	- -	11.7	27.66	15.24
TTM Sales	42	50	64	80	89	99
TTM EBITDA	1	2	2	2	1	2
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11	11	30	39	39	40
TTM Free Cash Flow to Firm	12	18	34	41	40	41

Multiples (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	- -	- -	4.55	6.06	6.58	7.73
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	-139	-145	-150	103	244	143
Low Price	- -	- -	18.9	19.05	19.61	22.13
EV/Sales	- -	- -	- -	1.28	2.74	1.44
EV/EBITDA	- -	- -	- -	67.29	162.99	67.64
Price/Earnings	- -	- -	8.26	9.1	7.95	8.92
Price/Earnings Average	- -	- -	8.22	7.55	6.52	7.69
Price/Earnings High	- -	- -	9.28	9.89	8.55	10.51
Price/Earnings Low	- -	- -	8.35	6.17	5.41	5.94
Price/Book Value	- -	- -	1.62	2.1	1.73	1.69
Price/Book Value Average	- -	- -	1.61	1.74	1.42	1.46
Price/Book Value High	- -	- -	1.81	2.28	1.86	1.99
Price/Book Value Low	- -	- -	1.63	1.42	1.18	1.13
Price/Tangible Book Value	- -	- -	0.97	1.51	1.29	1.31
Price/Tangible Book Value Average	- -	- -	0.96	1.25	1.06	1.13
Price/Tangible Book Value High	- -	- -	1.08	1.64	1.38	1.54
Price/Tangible Book Value Low	- -	- -	0.98	1.02	0.88	0.87
Price/Sales	- -	- -	2.41	3.08	2.85	3.14
Price/Sales Average	- -	- -	2.4	2.55	2.34	2.71
Price/Sales High	- -	- -	2.7	3.34	3.07	3.7
Price/Sales Low	- -	- -	2.43	2.09	1.94	2.09
Price/Cash Flow	- -	- -	5.16	6.34	6.45	7.87
Price/Cash Flow Average	- -	- -	5.14	5.26	5.3	6.79
Price/Cash Flow High	- -	- -	5.8	6.89	6.94	9.27
Price/Cash Flow Low	- -	- -	5.22	4.3	4.39	5.24
Price/Free Cash Flow Average	- -	- -	4.53	5.03	5.4	6.67
Price/Free Cash Flow High	- -	- -	5.11	6.58	7.07	9.11
Price/Free Cash Flow Low	- -	- -	4.59	4.11	4.48	5.15
EV/Sales Average	- -	- -	- -	2.7	3.32	2.2
EV/Sales High	- -	- -	0.01	3.49	4.05	3.19
EV/Sales Low	- -	- -	- -	2.24	2.92	1.59
EV/EBITDA Average	-60.88	-14.13	-8.76	141.72	197.71	103.5
EV/EBITDA High	-60.88	-14.13	0.35	183.14	240.95	150.07
EV/EBITDA Low	-60.88	-14.13	-7.69	117.3	173.83	74.51
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	18.7	28.08	28.83	33.22
High Price	- -	- -	21.01	30.5	31	39.16
Enterprise Value Average	-79	-31	-19	216	296	218
Enterprise Value High	-79	-31	1	279	360	317
Enterprise Value Low	-79	-31	-17	179	260	157

Profitability (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	- -	17.97	22.17	25.49	24.16	21.07
Return on Assets (%)	- -	1	1.19	1.41	1.42	1.32
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
EBITDA Margin (%)	3.11	4.43	3.38	1.91	1.68	2.13
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	19.46	29.2	38.14	43.49	46.1	46.01
Profit Margin (%)	13.48	24.16	29.14	33.83	35.91	35.19
Net Income to Common Margin (%)	13.48	24.16	29.14	33.83	35.91	35.19
Effective Tax Rate (%)	30.74	17.26	23.59	22.2	22.11	23.52
Dvd Payout Ratio (%)	42.34	15.21	15.58	11.69	9.99	9.51
Sustainable Growth Rate (%)	- -	15.24	18.72	22.51	21.75	19.07

Credit (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	12	43	38	117	242	131
ST Debt	8	8	12	31	58	40
LT Debt	4	35	26	86	184	91
Total Debt/EBITDA	9.65	19.54	17.87	76.86	161.65	62.22
Net Debt/EBITDA	-60.88	-14.13	-79.69	7.76	58.27	-23.67
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.68	5.45	5.32	5.74	6.01	6.46
Long-Term Debt/Equity (%)	3.54	25.16	14.64	47.49	85.44	32.59
Long-Term Debt/Capital (%)	6	30.53	19.46	36.76	47.26	28.95
Long-Term Debt/Total Assets (%)	0.41	2.66	1.46	4.22	7.51	3.2
Total Debt/Equity (%)	9.84	30.83	21.7	64.55	112.42	46.88
Total Debt/Capital (%)	16.7	37.4	28.83	49.96	62.18	41.64
Total Debt/Total Assets (%)	1.14	3.25	2.16	5.74	9.88	4.61
Net Debt to Equity	-62.11	-22.3	-96.78	6.51	40.53	-17.84
Net Debt/Capital (%)	477.14	-76.11	223.98	9.15	37.21	-37.27
EBITDA	1	2	2	2	1	2
EBITDA-CapEx	- -	-4	-2	-1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.68	5.45	5.32	5.74	6.01	6.46
Long-Term Debt/Equity (%)	3.54	25.16	14.64	47.49	85.44	32.59
Long-Term Debt/Capital (%)	6	30.53	19.46	36.76	47.26	28.95
Long-Term Debt/Total Assets (%)	0.41	2.66	1.46	4.22	7.51	3.2
Total Debt/Equity (%)	9.84	30.83	21.7	64.55	112.42	46.88
Total Debt/Capital (%)	16.7	37.4	28.83	49.96	62.18	41.64
Total Debt/Total Assets (%)	1.14	3.25	2.16	5.74	9.88	4.61
CFO/Total Liabilities	1.14	0.96	1.85	2.09	1.76	1.54
CFO/CapEx	7.91	1.72	6.59	14.95	158.05	29.03
Altman's Z-Score	0.07	0.07	0.13	0.17	0.16	0.17

Working Capital (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	- -	13.87	15.15	14.37	11.35	10.53
Days Sales Outstanding	- -	26.32	24.1	25.39	32.15	34.66
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API Chat

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	- -	- -	153	246	254	311
- Cash & Cash Equivalents	91	75	210	105	155	181
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	12	43	38	117	242	131
Enterprise Value	-139	-145	-150	103	244	143
Total Capital	75	116	133	235	389	315
Total Debt/Capital (%)	16.7	37.4	28.83	49.96	62.18	41.64
Total Debt / EV	-0.09	-0.3	-0.26	1.14	0.99	0.92
EV/Sales	- -	- -	- -	1.28	2.74	1.44
EV/EBITDA	- -	- -	- -	67.29	162.99	67.64
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	2.64	6.19	3.61
EV/Free Cash Flow to Firm	- -	- -	- -	2.48	6.15	3.49
Diluted Market Cap	- -	- -	156	251	261	316
Diluted Enterprise Value	-79	-31	-16	263	348	266
EV per Share	- -	- -	- -	11.7	27.66	15.24
TTM Sales	42	50	64	80	89	99
TTM EBITDA	1	2	2	2	1	2
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	11	11	30	39	39	40
TTM Free Cash Flow to Firm	12	18	34	41	40	41

Multiples (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	- -	- -	4.55	6.06	6.58	7.73
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	-139	-145	-150	103	244	143
Low Price	- -	- -	18.9	19.05	19.61	22.13
EV/Sales	- -	- -	- -	1.28	2.74	1.44
EV/EBITDA	- -	- -	- -	67.29	162.99	67.64
Price/Earnings	- -	- -	8.26	9.1	7.95	8.92
Price/Earnings Average	- -	- -	8.22	7.55	6.52	7.69
Price/Earnings High	- -	- -	9.28	9.89	8.55	10.51
Price/Earnings Low	- -	- -	8.35	6.17	5.41	5.94
Price/Book Value	- -	- -	1.62	2.1	1.73	1.69
Price/Book Value Average	- -	- -	1.61	1.74	1.42	1.46
Price/Book Value High	- -	- -	1.81	2.28	1.86	1.99
Price/Book Value Low	- -	- -	1.63	1.42	1.18	1.13
Price/Tangible Book Value	- -	- -	0.97	1.51	1.29	1.31
Price/Tangible Book Value Average	- -	- -	0.96	1.25	1.06	1.13
Price/Tangible Book Value High	- -	- -	1.08	1.64	1.38	1.54
Price/Tangible Book Value Low	- -	- -	0.98	1.02	0.88	0.87
Price/Sales	- -	- -	2.41	3.08	2.85	3.14
Price/Sales Average	- -	- -	2.4	2.55	2.34	2.71
Price/Sales High	- -	- -	2.7	3.34	3.07	3.7
Price/Sales Low	- -	- -	2.43	2.09	1.94	2.09
Price/Cash Flow	- -	- -	5.16	6.34	6.45	7.87
Price/Cash Flow Average	- -	- -	5.14	5.26	5.3	6.79
Price/Cash Flow High	- -	- -	5.8	6.89	6.94	9.27
Price/Cash Flow Low	- -	- -	5.22	4.3	4.39	5.24
Price/Free Cash Flow Average	- -	- -	4.53	5.03	5.4	6.67
Price/Free Cash Flow High	- -	- -	5.11	6.58	7.07	9.11
Price/Free Cash Flow Low	- -	- -	4.59	4.11	4.48	5.15
EV/Sales Average	- -	- -	- -	2.7	3.32	2.2
EV/Sales High	- -	- -	0.01	3.49	4.05	3.19
EV/Sales Low	- -	- -	- -	2.24	2.92	1.59
EV/EBITDA Average	-60.88	-14.13	-8.76	141.72	197.71	103.5
EV/EBITDA High	-60.88	-14.13	0.35	183.14	240.95	150.07
EV/EBITDA Low	-60.88	-14.13	-7.69	117.3	173.83	74.51
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	18.7	28.08	28.83	33.22
High Price	- -	- -	21.01	30.5	31	39.16
Enterprise Value Average	-79	-31	-19	216	296	218
Enterprise Value High	-79	-31	1	279	360	317
Enterprise Value Low	-79	-31	-17	179	260	157

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	9	9	9	9	9	10
Diluted Weighted Avg Shares	9	9	8	9	9	10
Basic Weighted Avg Shares	9	9	8	9	9	9
Revenue per Share	4.77	5.75	7.77	9.12	10.1	10.59
EBITDA per Share	0.15	0.25	0.26	0.17	0.17	0.23
Operating Income per Share	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.64	1.39	2.26	3.09	3.63	3.73
Basic EPS from Cont Ops	0.64	1.39	2.26	3.09	3.63	3.73
Diluted EPS, GAAP	0.64	1.39	2.23	3.02	3.54	3.67
Diluted EPS from Cont Ops	0.64	1.39	2.23	3.02	3.54	3.67
Dividend per Share	0.27	0.21	0.35	0.36	0.36	0.35
Cash Flow per Share	1.26	1.31	3.62	4.43	4.47	4.22
Free Cash Flow per Basic Share	1.1	0.55	3.07	4.13	4.44	4.08
Cash & Equivalents per Share	17.34	21.66	41.73	29.74	28.6	32
Book Value per Share	7.14	8.33	11.58	13.39	16.69	19.65
Tangible Book Value per Share	12.37	14.01	19.37	18.65	22.39	25.41

Southern States Bancshares, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)