Southern States Bancshares, Inc.

Market Cap: N/A
Industry: Regional Banks
ISIN: US8438783073

USD

36.37

0.00 (0.00%)

Jul 02

NAS

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Norwood Financial Corp.

Southern First Bancshares, Inc.

Southern States Bancshares, Inc.

Northrim BanCorp, Inc.

Bank7 Corp.

PCB Bancorp

FVCBankcorp, Inc.

Middlefield Banc Corp.

USCB Financial Holdings, Inc.

Pioneer Bancorp, Inc. (New York)

Oak Valley Bancorp

Why is Southern States Bancshares, Inc. ?

With ROA of 0.72%, it has a very attractive valuation with a 1.18 Price to Book Value

Over the past year, while the stock has generated a return of 33.17%, its profits have risen by 14.5% ; the PEG ratio of the company is 3.8

High Institutional Holdings at 58.42%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.57% over the previous quarter.

Market Beating Performance

The stock has generated a return of 33.17% in the last 1 year, much higher than market (S&P 500) returns of 12.69%

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Southern States Bancshares, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Southern States Bancshares, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Southern States Bancshares, Inc.

33.17%

1.02

38.93%

S&P 500

16.12%

0.62

20.57%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

88.91%

EBIT Growth (5y)

47.81%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

9.82%

Pledged Shares

Institutional Holding

58.42%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.18

EV to EBIT

4.47

EV to EBITDA

4.25

EV to Capital Employed

1.32

EV to Sales

1.22

PEG Ratio

3.81

Dividend Yield

ROCE (Latest)

29.58%

ROE (Latest)

12.79%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Not enough Data to analyse Financial Trend

Here's what is working for Southern States Bancshares, Inc.

Credit Deposit Ratio

Highest at 93.17%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

CASA

Highest at 10.18%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)