Southern States Bancshares (SSBK) Stock Price, News & Analysis

Company Overview

Southern States Bancshares, Inc., headquartered in Arkadelphia, Arkansas, is the bank holding company for Southern States Bank, a state-chartered community bank with roots dating back to 1947. The holding company was established in 1980 to support the bank’s growth and governance structure, enabling a broader array of financial services across its core markets.

Through Southern States Bank, the company offers a comprehensive suite of commercial and retail banking solutions, including deposit accounts, commercial and agricultural lending, real estate and consumer loans. Businesses benefit from treasury management, cash management, and merchant services, while retail customers can access online and mobile banking platforms for convenient account management.

Beyond traditional banking, Southern States Bancshares provides mortgage origination and servicing, as well as investment, trust, and wealth management services. These offerings cater to individuals, families, small businesses, and agricultural enterprises seeking tailored financing, estate planning, and fiduciary solutions in their local communities.

Serving central and southern Arkansas and southeastern Oklahoma via a network of more than 20 branch offices, the company blends deep community ties with modern banking capabilities. The organization is led by President and Chief Executive Officer Ralph W. Vines, Jr., with strategic oversight from a board of directors chaired by Robert D. McCormick.

Key Stats

• Today's Range: $36.37 to $36.37
• 50-Day Range: $33.70 to $36.60
• 52-Week Range: $26.79 to $39.16
• Volume: N/A
• Average Volume: 24,471 shs
• Market Capitalization: $361.15 million
• P/E Ratio: 9.57
• Dividend Yield: 0.99%
• Price Target: $35.50
• Consensus Rating: Moderate Buy

Southern States Bancshares Stock Analysis - MarketRank™

Southern States Bancshares scored higher than 23% of companies evaluated by MarketBeat, and ranked 845th out of 903 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Southern States Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Southern States Bancshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Southern States Bancshares is 9.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of Southern States Bancshares is 9.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.99.

Price to Book Value per Share Ratio

Southern States Bancshares has a P/B Ratio of 1.28. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.81% of the float of Southern States Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Southern States Bancshares has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Southern States Bancshares has recently increased by 18.38%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Southern States Bancshares has a dividend yield of 0.99%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Southern States Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Southern States Bancshares is 9.47%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.81% of the float of Southern States Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Southern States Bancshares has a short interest ratio ("days to cover") of 1.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Southern States Bancshares has recently increased by 18.38%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Southern States Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

14.80% of the stock of Southern States Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

58.73% of the stock of Southern States Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

SSBK Stock Analysis - Frequently Asked Questions

How have SSBK shares performed this year?

Southern States Bancshares' stock was trading at $33.31 on January 1st, 2025. Since then, SSBK stock has increased by 9.2% and is now trading at $36.37.

How were Southern States Bancshares' earnings last quarter?

Southern States Bancshares, Inc. (NASDAQ:SSBK) released its quarterly earnings results on Monday, April, 21st. The company reported $1.03 earnings per share for the quarter, topping analysts' consensus estimates of $0.98 by $0.06. The company had revenue of $26.51 million for the quarter, compared to the consensus estimate of $26.80 million. Southern States Bancshares had a trailing twelve-month return on equity of 14.38% and a net margin of 20.39%.

When did Southern States Bancshares IPO?

Southern States Bancshares (SSBK) raised $40 million in an initial public offering (IPO) on Thursday, August 12th 2021. The company issued 2,000,000 shares at $19.00-$21.00 per share.

How do I buy shares of Southern States Bancshares?

Shares of SSBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Southern States Bancshares own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Southern States Bancshares investors own include Invesco QQQ (QQQ), SPDR S&P 500 ETF Trust (SPY), SPDR Dow Jones Industrial Average ETF Trust (DIA), NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD) and Netflix (NFLX).

Company Calendar

• Last Earnings: 4/21/2025
• Record date for 5/12 Dividend: 5/01/2025
• Ex-Dividend for 5/12 Dividend: 5/01/2025
• Dividend Payable: 5/12/2025
• Today: 7/09/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:SSBK
• CIK: 1689731
• Web: southernstatesbank.net
• Phone: 256-241-1092
• Fax: N/A
• Employees: 200
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Southern States Bancshares: $35.50
• High Price Target: $36.00
• Low Price Target: $35.00
• Potential Upside/Downside: -2.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.80
• Trailing P/E Ratio: 9.57
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $34.87 million
• Net Margins: 20.39%
• Pretax Margin: 26.68%
• Return on Equity: 14.38%
• Return on Assets: 1.39%

Debt

• Debt-to-Equity Ratio: 0.38
• Current Ratio: 1.02
• Quick Ratio: 1.02

Sales & Book Value

• Annual Sales: $177.17 million
• Price / Sales: 2.04
• Cash Flow: $3.93 per share
• Price / Cash Flow: 9.26
• Book Value: $28.32 per share
• Price / Book: 1.28

Miscellaneous

• Outstanding Shares: 9,930,000
• Free Float: 8,459,000
• Market Cap: $361.15 million
• Optionable: Not Optionable
• Beta: 0.29