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Upturn AI SWOT - About
Southern States Bancshares Inc (SSBK)
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Upturn Advisory Summary
03/27/2025: SSBK (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Analysis of Past Performance
Type Stock | Historic Profit 49.58% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 323.66M USD | Price to earnings Ratio 8.89 | 1Y Target Price 41 |
Price to earnings Ratio 8.89 | 1Y Target Price 41 | ||
Volume (30-day avg) 13649 | Beta 0.34 | 52 Weeks Range 21.87 - 39.05 | Updated Date 03/27/2025 |
52 Weeks Range 21.87 - 39.05 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 1.10% | Basic EPS (TTM) 3.67 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 37.04% | Operating Margin (TTM) 54.83% |
Management Effectiveness
Return on Assets (TTM) 1.32% | Return on Equity (TTM) 14.09% |
Valuation
Trailing PE 8.89 | Forward PE - | Enterprise Value 195583504 | Price to Sales(TTM) 3.44 |
Enterprise Value 195583504 | Price to Sales(TTM) 3.44 | ||
Enterprise Value to Revenue 4.59 | Enterprise Value to EBITDA - | Shares Outstanding 9922180 | Shares Floating 6050248 |
Shares Outstanding 9922180 | Shares Floating 6050248 | ||
Percent Insiders 15.18 | Percent Institutions 56.2 |
Analyst Ratings
Rating 4.5 | Target Price 41.5 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Southern States Bancshares Inc
Company Overview
History and Background
Southern States Bancshares, Inc. operates as the bank holding company for Southern States Bank, which was founded in 2007. It focuses on serving individuals, families, and businesses in Alabama and Georgia. It has expanded its operations through organic growth and strategic acquisitions.
Core Business Areas
- Community Banking: Offers a range of financial services including checking and savings accounts, loans, and other banking products to individuals, families, and businesses.
- Commercial Lending: Provides commercial loans, real estate loans, and other financing options to businesses.
- Wealth Management: Offers wealth management and trust services.
Leadership and Structure
Southern States Bancshares Inc. is led by a board of directors and executive management team. The organizational structure comprises various departments and divisions focusing on banking operations, lending, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial properties, contributing significantly to revenue. Competitors include other regional and national banks such as Truist and Regions Financial.
- Small Business Loans: Loans tailored to small businesses, driving growth in the commercial lending segment. Competitors include other regional and national banks such as Truist and Regions Financial.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses, forming the core of deposit base. Competitors include other regional and national banks such as Truist and Regions Financial.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation with increasing competition from fintech companies. Regulatory changes and interest rate fluctuations also significantly impact profitability.
Positioning
Southern States Bancshares Inc. is positioned as a community-focused bank with a strong presence in Alabama and Georgia. Its competitive advantage lies in its local market expertise and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in Alabama and Georgia is estimated at billions of dollars. Southern States Bancshares Inc. targets a segment of this market focusing on local communities and businesses. It is well positioned with a local focus to increase their market share.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused approach
- Experienced management team
- Solid deposit base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger regional banks
- Reliance on traditional banking services
Opportunities
- Expansion into new markets within the Southeast
- Adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan portfolio
- Regulatory changes increasing compliance costs
- Rising interest rates affecting profitability
Competitors and Market Share
Key Competitors
- TRST
- RF
- CBSH
Competitive Landscape
Southern States Bancshares Inc. faces competition from larger regional banks and smaller community banks. Its advantage lies in its local market knowledge and customer relationships. Disadvantages include its smaller size and limited geographic diversification.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Growth has been achieved through organic expansion and strategic acquisitions.
Future Projections: Future growth is expected to be driven by expanding into new markets, enhancing digital banking capabilities, and continued focus on customer service. Analyst estimates are not available at this time.
Recent Initiatives: Recent initiatives include expanding into new markets and focusing on digital banking.
Summary
Southern States Bancshares Inc. is a community-focused bank with a strong presence in Alabama and Georgia, focusing on relationships. The company faces challenges from larger regional banks and fintech firms, and any negative economic downtrend. They should focus on expanding into new markets, enhancing digital banking capabilities, and improving profitability.
Similar Companies
- TRST
- RF
- CBSH
- PBCT
- FCNCA
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Southern States Bancshares Inc
Exchange NASDAQ | Headquaters Anniston, AL, United States | ||
IPO Launch date 2021-08-12 | CEO, President & Director Mr. Mark A. Chambers | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 206 | Website https://southernstatesbank.net |
Full time employees 206 | Website https://southernstatesbank.net | ||
Southern States Bancshares, Inc. operates as the bank holding company for Southern States Bank that provides community banking services to businesses and individuals in the United States. The company offers deposit products, including demand deposits accounts, interest-bearing products, savings accounts, and certificate of deposits. It also provides real estate loan products comprising real estate construction and development, residential mortgage, and commercial real estate mortgage loans; commercial and industrial; and direct consumer installment loans, overdrafts, and other revolving credit loans. In addition, the company offers online and mobile banking, and ATM services. Southern States Bancshares, Inc. was founded in 2007 and is headquartered in Anniston, Alabama.
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