SSBK Company Profile and Key Details

Q: Who are the executives of SSBK?

Mr. Mark A. ChambersPres & DirectorSheila WellsCorporation Sec.Ms. Lynn J. JoyceSenior EVice President & Chief Financial OfficerMr. Jack SwiftSenior EVice President & Chief Operating OfficerMr. Mark ChambersPres & DirectorMr. Gregory B. SmithSenior EVice President & Chief Risk OfficerGarnet ReynoldsPres of Coweta & Fayette Counties, GAMr. Stephen Woods WhatleyChairman & Chief Executive Officer

NASDAQ : SSBK

Southern States Bancshares

$36.37

-0.03-0.08%

At Close 4:00 PM

Not Actively Trading

67.42

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Southern States Bancshares, Inc. (SSBK) stock declined over -0.08%, trading at $36.37 on NASDAQ, down from the previous close of $36.37. The stock opened at $36.37, fluctuating between $36.37 and $36.37 in the recent session.

Stock Snapshot

36.37

Prev. Close

361.07M

Market Cap

36.37

Day Low

9.571052631578947

P/E Ratio

3.8

EPS (TTM)

4.26

Cash Flow per Share

36.37

Open

9.93M

Number of Shares

36.37

Day High

75.18%

Free Float in %

24.25

Book Value

144.72K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Jun 30, 2025	36.35	36.80	36.25	36.37	138.5K
Jun 27, 2025	36.40	36.50	36.13	36.40	74.15K
Jun 26, 2025	35.66	36.38	35.64	36.32	30.84K
Jun 25, 2025	36.02	36.02	35.46	35.46	17.1K
Jun 24, 2025	35.70	36.44	35.70	35.98	27.3K
Jun 23, 2025	34.34	35.66	34.34	35.66	48.03K
Jun 20, 2025	34.55	34.56	34.15	34.34	30.49K
Jun 18, 2025	33.93	34.55	33.93	34.27	16.86K
Jun 17, 2025	34.26	34.78	33.90	34.12	29.69K
Jun 16, 2025	34.74	34.98	34.48	34.57	22.6K
Jun 13, 2025	34.21	35.06	33.99	34.54	36.53K
Jun 12, 2025	34.47	34.74	34.41	34.71	13.87K
Jun 11, 2025	35.53	35.57	34.65	34.91	23.29K
Jun 10, 2025	34.54	35.53	34.54	35.53	37.63K
Jun 09, 2025	34.57	34.87	34.52	34.71	23.8K
Jun 05, 2025	33.50	33.96	33.34	33.70	26.04K
Jun 04, 2025	34.49	34.61	33.80	33.86	26.42K
Jun 03, 2025	33.98	34.69	33.98	34.55	23.65K
Jun 02, 2025	34.83	34.83	33.97	34.20	23.62K
May 30, 2025	34.71	34.71	34.33	34.49	12.62K

Contact Details

Anniston, AL 36201

United States

https://southernstatesbank.net 256 241 1092

About Company

Southern States Bancshares, Inc. operates as the bank holding company for Southern States Bank that provides community banking services to businesses and individuals. It offers various deposit products, such as savings, money market, and noninterest-bearing demand accounts; certificates of deposit; and time deposits. The company also provides real estate loan products, which include loans for real estate construction and development, residential mortgages, and commercial real estate mortgage loans; commercial and industrial loans; and direct consumer installment loans, overdrafts, and other revolving credit loans. In addition, it offers online and mobile banking, and ATM services. The company operates 15 offices in Alabama and Georgia, as well as a loan production office in Atlanta, Georgia. Southern States Bancshares, Inc. was founded in 2007 and is headquartered in Anniston, Alabama.

Stock Peers

FCNCA

-53.38-2.55%

First Citizens BancShares, Inc.$2,043.97 HIFS

12.1+3.98%

Hingham Institution for Savings$316.09 CATC

Cambridge Bancorp$220.00 WTFC

6.33+4.23%

Wintrust Financial Corporation$156.04 BFC

1.42+0.98%

Bank First Corporation$146.38 BPOP

4.78+3.50%

Popular, Inc.$141.47 BOKF

1.69+1.30%

BOK Financial Corporation$131.99 UMBF

-0.09-0.07%

UMB Financial Corporation$127.96 CHCO

0.29+0.23%

City Holding Company$125.53 NBN

3.17+2.66%

Northeast Bank$122.43

Company Overview

The stock is currently mid-range between its 52-week high and low $25.92 and $39.16. With a market capitalization of about $361.07 million, Southern States Bancshares, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.28). Key stats such as the average daily volume over the past year has been around 36.75 thousand shares, trading with heavier-than-usual volume. Headquartered in Anniston, AL, Southern States Bancshares, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Mark A. Chambers, the company employs approximately 206 people and listed since August 12, 2021. Southern States Bancshares, Inc. operates as the bank holding company for Southern States Bank that provides community banking services to businesses and individuals.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 4.12%, SMA50 4.92%, SMA200 9.18%). The stock’s 14-day RSI is 61.75 (firm momentum), while the ATR of 0.74 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -7.12% below its high and over 40.32% above its low.

Valuation Metrics

Southern States Bancshares, Inc. trades at a P/E ratio of 12.56, slightly below the S&P 500 average, with a price-to-sales ratio of 2.59 and a price-to-book ratio of 1.25 suggesting the stock is closer to book value. The P/FCF stands at 12.25, also below market averages.

Dividend & Fair Value

Southern States Bancshares, Inc. last paid a dividend of 0.36 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $107.83. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

Southern States Bancshares, Inc. generated EPS of $3.80 over the past year. Five-year average earnings growth is 35.32%. The latest quarter delivered EPS of $1.03. The next quarter is forecast at $nan. Next year's EPS is expected at -$12.54. Southern States Bancshares, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended April 21, 2025, missed forecasts by 5.1%. The prior quarter beat by 4.0%. Over the last six quarters, Apple has recorded several small beats. These include 8.43% in April 20, 2024.

Shareholding & Insider Activity

Southern States Bancshares, Inc. has 9.92 million shares outstanding. The public float is 6.05 million shares, elevated short interest at 0.41% of float. This equals 38.40 thousand shares. The short ratio is 0.83 days. Institutional investors hold 64.48% of the float. Insiders own 13.02%. Whatley Stephen W. holds 553.62 thousand shares, LYNCH JAMES J has 480.87 thousand shares and Holmes Brian Stacey has 187.29 thousand shares.

Financial & Profitability Overview

Over the trailing twelve months, Southern States Bancshares generated $141.25M in revenue, or $15.63 per share. Gross margin was 99.92%, operating margin 90.41%, and net profit margin 22.62%. Returns are modest, with ROA at 1.31% and ROE at 14.86%.
On valuation metrics, Southern States Bancshares trades at a P/E of 12.56, P/S of 2.59 and P/B of 1.25. Liquidity is tight, with a current ratio of 0.12 and quick ratio of 0.12. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 18.01 days. Debt-to-equity is 0.38, supported by a cash flow-to-debt ratio of 0.27.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Southern States Bancshares posted revenue of $141.25M, down slightly from $80.02M in the prior quarter. Gross profit was $141.13M (margin 99.92%). Operating income was $127.70M (margin 90.4%). Net income was$31.95M (EPS $3.63).
The company ended the quarter with - $19.71M in cash and short-term investments, a total debt of $184.22M, and net debt of $29.66M. Total assets were $2.45B, with equity of $214.96M. Financials further reflected stability, with operating cash flow of $38.76M, free cash flow of $38.51M, and capital expenditures of - $249.00K.

Price Forecast & Outlook

Our AI price prediction model suggests that Southern States Bancshares, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 5.64%, with price expected at $38.42 by July 14, 2025, within a range of $37.80 to $39.11 3-Month Outlook: Projected rise of 33.63%, reaching $48.60 by September 26, 2025, with a range of $47.76 to $49.52. 1-Year Outlook: Projected gain of 10.7%, with price at $40.26 by June 30, 2026, within a range of $39.06 to $41.60.

Key Takeaways

Southern States Bancshares, Inc. (NASDAQ:SSBK) shares are flat 9.19% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Southern States Bancshares, Inc. trading at a premium to the broader market with a P/E of 12.56. Analyst sentiment is bullish, with the majority of ratings in Outperform territory and a mean price target of $36.00, suggesting -1.02% downside. Our AI forecast model points to short-term strength (5.64% over two weeks), a medium-term rise (33.63% over three months), and a longer-term gain (10.7% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Southern States Bancshares, Inc. (SSBK) stock price?

Southern States Bancshares, Inc. (NASDAQ: SSBK) stock price is $36.37 in the last trading session. During the trading session, SSBK stock reached the peak price of $36.37 while $36.37 was the lowest point it dropped to. The percentage change in SSBK stock occurred in the recent session was -0.08% while the dollar amount for the price change in SSBK stock was - $0.03.

SSBK's industry and sector of operation?

The NASDAQ listed SSBK is part of Banks - Regional industry that operates in the broader Financial Services sector. Southern States Bancshares, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of SSBK?

Mr. Mark A. Chambers
Pres & Director
Sheila Wells
Corporation Sec.
Ms. Lynn J. Joyce
Senior EVice President & Chief Financial Officer
Mr. Jack Swift
Senior EVice President & Chief Operating Officer
Mr. Mark Chambers
Pres & Director
Mr. Gregory B. Smith
Senior EVice President & Chief Risk Officer
Garnet Reynolds
Pres of Coweta & Fayette Counties, GA
Mr. Stephen Woods Whatley
Chairman & Chief Executive Officer

How SSBK did perform over past 52-week?

SSBK's closing price is 40.32% higher than its 52-week low of $25.92 where as its distance from 52-week high of $39.16 is -7.12%.

How many employees does SSBK have?

Number of SSBK employees currently stands at 206.

Link for SSBK official website?

Official Website of SSBK is: https://southernstatesbank.net

How do I contact SSBK?

SSBK could be contacted at phone 256 241 1092 and can also be accessed through its website. SSBK operates from 615 Quintard Avenue, Anniston, AL 36201, United States.

How many shares of SSBK are traded daily?

SSBK stock volume for the day was 144.72K shares. The average number of SSBK shares traded daily for last 3 months was 36.75K.

What is the market cap of SSBK currently?

The market value of SSBK currently stands at $361.07M with its latest stock price at $36.37 and 9.93M of its shares outstanding.

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Employees	206
Beta	0.28
Sales or Revenue	$141.25M
5Y Sales Change%	1.551%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

SSBK Company Profile and Key Details

Southern States Bancshares

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Shareholding & Insider Activity

Earnings & Analyst Outlook

Financial & Profitability Overview

Quarterly Financial Highlights

Dividend & Fair Value

Company Overview

Price Forecast & Outlook

Key Takeaways

Valuation Metrics