Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
Southern States Bancshares Inc (SSBK)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
07/02/2025: SSBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $40.5
1 Year Target Price $40.5
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.22% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 361.07M USD | Price to earnings Ratio 9.57 | 1Y Target Price 40.5 |
Price to earnings Ratio 9.57 | 1Y Target Price 40.5 | ||
Volume (30-day avg) 2 | Beta 0.28 | 52 Weeks Range 27.43 - 38.95 | Updated Date 07/14/2025 |
52 Weeks Range 27.43 - 38.95 | Updated Date 07/14/2025 | ||
Dividends yield (FY) 0.99% | Basic EPS (TTM) 3.8 |
Earnings Date
Report Date 2025-07-21 | When Before Market | Estimate 0.99 | Actual - |
Profitability
Profit Margin 37.47% | Operating Margin (TTM) 53.89% |
Management Effectiveness
Return on Assets (TTM) 1.38% | Return on Equity (TTM) 14.46% |
Valuation
Trailing PE 9.57 | Forward PE - | Enterprise Value 242946256 | Price to Sales(TTM) 3.65 |
Enterprise Value 242946256 | Price to Sales(TTM) 3.65 | ||
Enterprise Value to Revenue 4.56 | Enterprise Value to EBITDA - | Shares Outstanding 9927650 | Shares Floating 5926736 |
Shares Outstanding 9927650 | Shares Floating 5926736 | ||
Percent Insiders 13.03 | Percent Institutions 56.08 |
Upturn AI SWOT
Southern States Bancshares Inc
Company Overview
History and Background
Southern States Bancshares, Inc. is a financial holding company. While specific founding details are unavailable without access to private sources, it operates as a community bank focusing on traditional banking services in its operating regions. The company has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Provides banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and investment services to individuals and families.
Leadership and Structure
Specific leadership and organizational structure details are not publicly available in readily accessible sources. Typically, a bank holding company would be led by a CEO and executive team, overseen by a Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers term loans, lines of credit, and other financing options for businesses. Market share data is not readily available. Competitors include other regional and national banks such as Wells Fargo (WFC) and Truist Financial (TFC).
- Mortgages: Provides residential mortgage loans to individuals. Market share data is not readily available. Competitors include national mortgage lenders like Rocket Companies (RKT).
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is not readily available. Competitors include Bank of America (BAC) and JPMorgan Chase (JPM).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and increasing competition from fintech companies. Consolidation through mergers and acquisitions is common.
Positioning
Southern States Bancshares Inc positions itself as a community bank, focusing on building relationships with local businesses and individuals. Its competitive advantage lies in personalized service and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in the Southern United States is substantial, estimated to be in the hundreds of billions of dollars. Southern States Bancshares Inc's positioning as a community bank allows it to capture a segment of this market, emphasizing local relationships and customer service.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Established relationships with local businesses
- Agile decision-making compared to larger banks
Weaknesses
- Limited geographic reach compared to larger banks
- Smaller balance sheet and capital base
- Dependence on local economy
- Limited brand recognition outside of its operating area
Opportunities
- Expanding into new markets within the Southern United States
- Acquiring smaller banks or branches
- Leveraging technology to improve efficiency and customer service
- Increasing wealth management services
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in its operating region
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- USB
- TFC
Competitive Landscape
Southern States Bancshares Inc faces competition from larger national and regional banks, as well as fintech companies. Its advantages lie in its local focus and personalized service, while its disadvantages include its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would require access to historical financial data, which is not publicly available.
Future Projections: Future growth projections require access to analyst estimates, which are not readily available for smaller, privately held banks.
Recent Initiatives: Recent strategic initiatives would require monitoring company announcements and news releases, which are not readily available.
Summary
Southern States Bancshares Inc. is a community bank operating in a competitive market, focusing on personalized service within its local markets, and has a strong focus in its geography. This bank has small market share compared to the national banks. Growth and profitability will depend on its ability to capitalize on opportunities and manage risks related to the economy, interest rates, and competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website (If Applicable)
- Publicly Available News Sources
- Market Research Reports (If Applicable)
Disclaimers:
The information provided is based on publicly available data and general industry knowledge. No investment advice is provided. Market share data and financial figures are estimates where specific information is unavailable.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.