/SSBK

SSBK Stock - Southern States Bancshares, Inc.

Q: What is the analyst price target for SSBK?

Analyst price target information is not currently available for SSBK.

Q: What is SSBK's market cap?

Market capitalization information is not currently available for SSBK.

Financial Services|Banks - Regional|NASDAQ

$36.37-0.08%

$0.03 (-0.08%) • Jul 1

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

BUY

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+10.0%upside

Target: $40.01

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

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Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.28

52W High$39.16

52W Low$25.92

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$177.17M	$141.13M	$91.53M	$68.58M	$58.83M
Gross Profit	$94.14M	$82.90M	$74.41M	$60.73M	$46.82M
Gross Margin	53.1%	58.7%	81.3%	88.6%	79.6%
Operating Income	$45.59M	$41.02M	$34.80M	$24.30M	$14.63M
Net Income	$34.87M	$31.95M	$27.07M	$18.57M	$12.11M
Net Margin	19.7%	22.6%	29.6%	27.1%	20.6%
EPS	$3.72	$3.63	$3.11	$2.26	$1.39

Company Overview

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.

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Rating Distribution

Strong Buy

Buy / Outperform

75%

Hold / Neutral

25%

Sell / Underperform

Analyst Consensus🟢 Bullish

3 Bullish1 Neutral/Bearish

Price Targets

$31

Average Target

↓ 15.5% Downside

Now

$26

Low

$31

Average

$35

High

Based on 4 analysts

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
October 22nd 2024	Hovde Group	Reiterated	Outperform	$35← $36
September 9th 2024	Hovde Group	Initiation	Outperform	-
March 15th 2024	Keefe Bruyette	Upgrade	Outperform	$35← $32
October 7th 2022	Keefe Bruyette	Downgrade	Market Perform	$27
September 9th 2022	Truist	Downgrade	Hold	$26

Earnings History & Surprises

SSBK

Beat Rate

83%

Last 12 quarters

Avg Surprise

+17.3%

EPS vs Estimate

Beats / Misses

10/1

1 met exactly

Latest EPS

$1.00

Q3 2025

EPS Surprise History

Q4 23

+43.2%

$1.06vs$0.74

Q1 24

No data

Q2 24

+8.4%

$0.90vs$0.83

Q3 24

+12.4%

$1.00vs$0.89

Q4 24

-7.3%

$0.89vs$0.96

Q1 25

No data

Q2 25

+5.1%

$1.03vs$0.98

Q3 25

No data

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q3 2025	Jul 28, 2025	—	$1.00	—	—
Q2 2025	Apr 21, 2025	$0.98	$1.03	+5.1%	✓ BEAT
Q1 2025	Mar 14, 2025	—	$1.11	—	—
Q4 2024	Oct 21, 2024	$0.96	$0.89	-7.3%	✗ MISS
Q3 2024	Jul 22, 2024	$0.89	$1.00	+12.4%	✓ BEAT
Q2 2024	Apr 22, 2024	$0.83	$0.90	+8.4%	✓ BEAT
Q1 2024	Mar 14, 2024	—	$0.99	—	—
Q4 2023	Oct 23, 2023	$0.74	$1.06	+43.2%	✓ BEAT
Q3 2023	Jul 24, 2023	$0.59	$0.98	+66.1%	✓ BEAT
Q2 2023	Apr 24, 2023	$0.75	$0.85	+13.3%	✓ BEAT
Q1 2023	Mar 14, 2023	—	$1.19	—	—
Q4 2022	Oct 24, 2022	$0.64	$0.75	+17.2%	✓ BEAT
Q3 2022	Jul 25, 2022	$0.53	$0.59	+11.3%	✓ BEAT
Q2 2022	Apr 25, 2022	$0.44	$0.50	+13.6%	✓ BEAT
Q1 2022	Mar 18, 2022	$0.44	$0.44	0.0%	= MET
Q4 2021	Oct 26, 2021	$0.47	$0.58	+23.6%	✓ BEAT
Q3 2021	Sep 24, 2021	—	$0.45	—	—
Q1 2021	Mar 31, 2021	—	$0.65	—	—
Q4 2020	Dec 31, 2020	—	$0.38	—	—
Q3 2020	Sep 30, 2020	—	$0.37	—	—

Frequently Asked Questions about SSBK

What is SSBK's current stock price?

Southern States Bancshares, Inc. (SSBK) is currently trading at $36.37 per share. The stock has moved -0.08% today.

What is the analyst price target for SSBK?

No analyst price targets are currently available for this stock.

What sector is Southern States Bancshares, Inc. in?

Southern States Bancshares, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.

What is SSBK's market cap?

Southern States Bancshares, Inc. has a market capitalization of $0.36 billion, making it a small-cap company.

Does SSBK pay dividends?

No, Southern States Bancshares, Inc. does not currently pay a dividend to shareholders.