Southern States Valuation
| SSBK Stock | USD 32.60 0.24 0.74% |
At this time, the company appears to be undervalued. Southern States Banc has a current Real Value of $37.06 per share. The regular price of the company is $32.6. Our model measures the value of Southern States Banc from inspecting the company fundamentals such as Operating Margin of 0.55 %, shares outstanding of 9.92 M, and Return On Equity of 0.14 as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Southern States' valuation include:
Price Book 1.1472 | Enterprise Value | Price Sales 3.4107 | Trailing PE 8.8174 | Enterprise Value Revenue 4.5643 |
Undervalued
Today
Please note that Southern States' price fluctuation is very steady at this time. Calculation of the real value of Southern States Banc is based on 3 months time horizon. Increasing Southern States' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Southern States' intrinsic value may or may not be the same as its current market price of 32.60, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 32.6 | Real 37.06 | Target 41.5 | Hype 32.52 | Naive 32.53 |
The intrinsic value of Southern States' stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Southern States' stock price.
Estimating the potential upside or downside of Southern States Bancshares helps investors to forecast how Southern stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Southern States more accurately as focusing exclusively on Southern States' fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Southern States' intrinsic value based on its ongoing forecasts of Southern States' financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Southern States' closest peers.
Southern States Cash |
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Southern Valuation Trend
Knowing Southern States' actual value is paramount for traders when making sound investment determinations. Using both Southern States' enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Southern States Total Value Analysis
Southern States Bancshares is at this time forecasted to have valuation of 193 M with market capitalization of 321.08 M, debt of 131.22 M, and cash on hands of 246.06 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Southern States fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
193 M | 321.08 M | 131.22 M | 246.06 M |
Southern States Investor Information
About 15.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.15. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Southern States Banc last dividend was issued on the 3rd of February 2025. Based on the key indicators related to Southern States' liquidity, profitability, solvency, and operating efficiency, Southern States Bancshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in April.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.0319 | 0.0335 |
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| Total Cash From Operating Activities | 28.5 M | 39.5 M |
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| Operating Income | 3.2 M | 3.3 M |
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Southern States Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Southern States has an asset utilization ratio of 3.48 percent. This suggests that the Company is making $0.0348 for each dollar of assets. An increasing asset utilization means that Southern States Bancshares is more efficient with each dollar of assets it utilizes for everyday operations.Southern States Ownership Allocation
The market capitalization of Southern States is $321.08 Million. Over half of Southern States' outstanding shares are owned by institutional holders. These institutional holders are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. On May 14, 2024, Senator Tommy Tuberville of US Senate acquired $50k to $100k worth of Southern States Banc's common stock.Southern States Profitability Analysis
The company reported the previous year's revenue of 99.1 M. Net Income was 34.87 M with profit before overhead, payroll, taxes, and interest of 94.14 M.Southern States Past Distributions to stockholders
About Southern States Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Southern States Bancshares. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Southern States Banc based exclusively on its fundamental and basic technical indicators. By analyzing Southern States's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Southern States's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Southern States. We calculate exposure to Southern States's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Southern States's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 169.8 M | 178.3 M | |
| Pretax Profit Margin | 0.46 | 0.29 | |
| Operating Profit Margin | 0.03 | 0.03 | |
| Net Profit Margin | 0.35 | 0.22 | |
| Gross Profit Margin | 1.54 | 0.85 |
Southern States Quarterly Retained Earnings |
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A single share of Southern States represents a small ownership stake in the entity. As a stockholder of Southern, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Southern States Dividends Analysis For Valuation
At this time, Southern States' Dividend Yield is quite stable compared to the past year. Dividend Paid And Capex Coverage Ratio is expected to rise to 12.51 this year, although the value of Dividends Paid will most likely fall to about 2.9 M. . At this time, Southern States' Price Earnings Ratio is quite stable compared to the past year. Price Earnings To Growth Ratio is expected to rise to 3.41 this year, although the value of Retained Earnings will most likely fall to about 69 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 3.3 M | 2.9 M | |
| Dividend Yield | 0.01 | 0.01 | |
| Dividend Payout Ratio | 0.10 | 0.09 | |
| Dividend Paid And Capex Coverage Ratio | 11.91 | 12.51 |
There are various types of dividends Southern States can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Southern shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Southern States Bancshares directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Southern pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Southern States by the value of the dividends paid out.
Southern States Growth Indicators
Investing in growth stocks can be very risky. If the company such as Southern States does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 9.7 M | |
| Quarterly Earnings Growth Y O Y | 0.129 |
Southern States Current Valuation Indicators
Southern States' valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Southern States' valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Southern States, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Southern States' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Southern States' worth.When determining whether Southern States Banc is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Southern Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Southern States Bancshares Stock. Highlighted below are key reports to facilitate an investment decision about Southern States Bancshares Stock: Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Southern States Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. You can also try the Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Southern States. If investors know Southern will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Southern States listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.129 | Dividend Share 0.36 | Earnings Share 3.67 | Revenue Per Share | Quarterly Revenue Growth 0.335 |
The market value of Southern States Banc is measured differently than its book value, which is the value of Southern that is recorded on the company's balance sheet. Investors also form their own opinion of Southern States' value that differs from its market value or its book value, called intrinsic value, which is Southern States' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Southern States' market value can be influenced by many factors that don't directly affect Southern States' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Southern States' value and its price as these two are different measures arrived at by different means. Investors typically determine if Southern States is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Southern States' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.