Southern Historical Financial Ratios

SSBK Stock

USD 37.09 0.34 0.91%

Southern States is promptly reporting on over 96 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Book Value Per Share of 14.98, Free Cash Flow Yield of 0.08, Invested Capital of 0.0 or Operating Cash Flow Per Share of 2.26 will help investors to properly organize and evaluate Southern States Banc financial condition quickly.

Quick Ratio Current Ratio

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Southern States Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

About Southern Financial Ratios Analysis

Southern States BancFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Southern States investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Southern financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Southern States history.

Southern States Financial Ratios Chart

At this time, Southern States' Net Income Per Share is quite stable compared to the past year. POCF Ratio is expected to rise to 11.04 this year, although the value of Free Cash Flow Yield will most likely fall to 0.08.

Price To Sales Ratio Dividend Yield Ptb Ratio Days Sales Outstanding

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing Southern States Banc stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Southern States sales, a figure that is much harder to manipulate than other Southern States Bancshares multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Dividend Yield

Dividend Yield is Southern States Bancshares dividend as a percentage of Southern States stock price. Southern States Banc dividend yield is a measure of Southern States stock productivity, which can be interpreted as interest rate earned on an Southern States investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Most ratios from Southern States' fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Southern States Banc current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Southern States Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

	2021	2023	2024 (projected)
Dividend Yield	0.018	0.0124	0.0151
Price To Sales Ratio	2.52	3.11	3.58

Dividend Yield Price To Sales Ratio

Southern States fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Inventory Turnover	Net Income Per Share	Days Of Inventory On Hand	Payables Turnover	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Days Payables Outstanding	Income Quality	Roe
Price To Sales Ratio		-0.47	0.56	0.02	-0.4	-0.64	-0.43	-0.04	0.56	0.46	-0.2	-0.69	-0.13	-0.14	0.1	-0.1	0.01	-0.33	0.75	-0.41	0.46	0.16	0.4	-0.02	0.32	-0.49
Dividend Yield	-0.47		-0.38	-0.73	-0.12	0.34	-0.03	-0.29	-0.38	-0.9	0.09	-0.05	0.26	-0.11	-0.31	0.31	-0.33	0.02	-0.34	0.23	0.15	-0.5	-0.6	-0.42	0.6	-0.27
Ptb Ratio	0.56	-0.38		-0.05	-0.61	-0.48	-0.41	-0.5	1.0	0.34	-0.18	-0.35	-0.05	-0.23	0.05	-0.07	-0.5	-0.75	0.49	-0.64	0.34	-0.32	0.03	0.04	0.16	-0.29
Days Sales Outstanding	0.02	-0.73	-0.05		0.69	0.32	0.59	0.14	-0.05	0.84	0.36	0.56	-0.52	0.47	0.58	-0.56	0.12	0.48	-0.29	0.03	-0.44	0.17	0.1	0.75	-0.59	0.74
Book Value Per Share	-0.4	-0.12	-0.61	0.69		0.81	0.94	0.31	-0.61	0.37	0.68	0.81	-0.56	0.7	0.62	-0.6	0.18	0.94	-0.78	0.64	-0.62	0.03	-0.31	0.75	-0.29	0.88
Free Cash Flow Yield	-0.64	0.34	-0.48	0.32	0.81		0.91	-0.07	-0.48	-0.02	0.73	0.85	-0.43	0.59	0.49	-0.49	-0.26	0.72	-0.97	0.6	-0.49	-0.46	-0.76	0.62	0.05	0.78
Operating Cash Flow Per Share	-0.43	-0.03	-0.41	0.59	0.94	0.91		0.14	-0.41	0.35	0.83	0.9	-0.67	0.79	0.74	-0.74	-0.05	0.85	-0.89	0.67	-0.67	-0.21	-0.54	0.86	-0.17	0.93
Capex To Depreciation	-0.04	-0.29	-0.5	0.14	0.31	-0.07	0.14		-0.5	0.16	-0.16	0.13	0.14	0.02	-0.09	0.06	0.96	0.46	0.04	0.63	-0.2	0.87	0.61	0.04	-0.36	0.17
Pb Ratio	0.56	-0.38	1.0	-0.05	-0.61	-0.48	-0.41	-0.5		0.34	-0.18	-0.35	-0.05	-0.23	0.05	-0.07	-0.5	-0.75	0.49	-0.64	0.34	-0.32	0.03	0.04	0.16	-0.29
Ev To Sales	0.46	-0.9	0.34	0.84	0.37	-0.02	0.35	0.16	0.34		0.29	0.25	-0.58	0.42	0.64	-0.64	0.12	0.23	0.06	-0.06	-0.28	0.22	0.26	0.73	-0.41	0.49
Free Cash Flow Per Share	-0.2	0.09	-0.18	0.36	0.68	0.73	0.83	-0.16	-0.18	0.29		0.64	-0.91	0.96	0.91	-0.91	-0.3	0.67	-0.74	0.53	-0.73	-0.41	-0.68	0.81	0.01	0.71
Roic	-0.69	-0.05	-0.35	0.56	0.81	0.85	0.9	0.13	-0.35	0.25	0.64		-0.46	0.62	0.54	-0.55	-0.03	0.65	-0.91	0.57	-0.73	-0.17	-0.47	0.73	-0.42	0.96
Inventory Turnover	-0.13	0.26	-0.05	-0.52	-0.56	-0.43	-0.67	0.14	-0.05	-0.58	-0.91	-0.46		-0.95	-0.99	0.98	0.22	-0.54	0.44	-0.3	0.7	0.24	0.41	-0.84	0.13	-0.62
Net Income Per Share	-0.14	-0.11	-0.23	0.47	0.7	0.59	0.79	0.02	-0.23	0.42	0.96	0.62	-0.95		0.94	-0.93	-0.08	0.72	-0.63	0.54	-0.85	-0.16	-0.44	0.81	-0.21	0.73
Days Of Inventory On Hand	0.1	-0.31	0.05	0.58	0.62	0.49	0.74	-0.09	0.05	0.64	0.91	0.54	-0.99	0.94		-1.0	-0.2	0.57	-0.49	0.35	-0.7	-0.23	-0.41	0.91	-0.15	0.7
Payables Turnover	-0.1	0.31	-0.07	-0.56	-0.6	-0.49	-0.74	0.06	-0.07	-0.64	-0.91	-0.55	0.98	-0.93	-1.0		0.19	-0.56	0.5	-0.38	0.7	0.22	0.41	-0.92	0.14	-0.71
Capex To Revenue	0.01	-0.33	-0.5	0.12	0.18	-0.26	-0.05	0.96	-0.5	0.12	-0.3	-0.03	0.22	-0.08	-0.2	0.19		0.35	0.2	0.45	-0.17	0.96	0.76	-0.13	-0.47	0.02
Cash Per Share	-0.33	0.02	-0.75	0.48	0.94	0.72	0.85	0.46	-0.75	0.23	0.67	0.65	-0.54	0.72	0.57	-0.56	0.35		-0.7	0.79	-0.62	0.16	-0.23	0.61	-0.18	0.72
Pocfratio	0.75	-0.34	0.49	-0.29	-0.78	-0.97	-0.89	0.04	0.49	0.06	-0.74	-0.91	0.44	-0.63	-0.49	0.5	0.2	-0.7		-0.63	0.63	0.4	0.73	-0.59	0.09	-0.81
Interest Coverage	-0.41	0.23	-0.64	0.03	0.64	0.6	0.67	0.63	-0.64	-0.06	0.53	0.57	-0.3	0.54	0.35	-0.38	0.45	0.79	-0.63		-0.54	0.21	-0.22	0.41	-0.03	0.53
Payout Ratio	0.46	0.15	0.34	-0.44	-0.62	-0.49	-0.67	-0.2	0.34	-0.28	-0.73	-0.73	0.7	-0.85	-0.7	0.7	-0.17	-0.62	0.63	-0.54		-0.1	0.21	-0.62	0.62	-0.77
Capex To Operating Cash Flow	0.16	-0.5	-0.32	0.17	0.03	-0.46	-0.21	0.87	-0.32	0.22	-0.41	-0.17	0.24	-0.16	-0.23	0.22	0.96	0.16	0.4	0.21	-0.1		0.9	-0.18	-0.55	-0.08
Pfcf Ratio	0.4	-0.6	0.03	0.1	-0.31	-0.76	-0.54	0.61	0.03	0.26	-0.68	-0.47	0.41	-0.44	-0.41	0.41	0.76	-0.23	0.73	-0.22	0.21	0.9		-0.37	-0.46	-0.36
Days Payables Outstanding	-0.02	-0.42	0.04	0.75	0.75	0.62	0.86	0.04	0.04	0.73	0.81	0.73	-0.84	0.81	0.91	-0.92	-0.13	0.61	-0.59	0.41	-0.62	-0.18	-0.37		-0.23	0.87
Income Quality	0.32	0.6	0.16	-0.59	-0.29	0.05	-0.17	-0.36	0.16	-0.41	0.01	-0.42	0.13	-0.21	-0.15	0.14	-0.47	-0.18	0.09	-0.03	0.62	-0.55	-0.46	-0.23		-0.48
Roe	-0.49	-0.27	-0.29	0.74	0.88	0.78	0.93	0.17	-0.29	0.49	0.71	0.96	-0.62	0.73	0.7	-0.71	0.02	0.72	-0.81	0.53	-0.77	-0.08	-0.36	0.87	-0.48

Click cells to compare fundamentals

Southern States Account Relationship Matchups

Southern States fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Dividend Yield	0.0138	0.0107	0.018	0.0125	0.0124	0.0151
Book Value Per Share	14.53	16.14	21.61	20.86	24.4	14.98
Free Cash Flow Yield	0.0559	0.0279	0.16	0.14	0.15	0.08
Operating Cash Flow Per Share	1.26	1.31	3.62	4.46	4.47	2.26
Stock Based Compensation To Revenue	0.0104	0.0147	0.0129	0.0114	0.0105	0.0088
Capex To Depreciation	1.08	2.99	2.09	1.7	0.17	0.16
Ev To Sales	2.25	2.81	(0.17)	3.3	3.46	1.74
Free Cash Flow Per Share	1.1	0.55	3.07	4.16	4.44	4.66
Roic	0.0403	0.0658	0.0914	0.11	0.1	0.064
Net Income Per Share	0.64	1.39	2.26	3.11	3.63	3.81
Capex To Revenue	0.0335	0.13	0.0707	0.0325	0.003004	0.002854
Cash Per Share	17.34	21.66	41.73	29.96	37.86	21.56
Pocfratio	15.63	15.04	5.4	6.49	6.55	11.04
Payout Ratio	0.42	0.15	0.16	0.12	0.0999	0.0949
Capex To Operating Cash Flow	0.13	0.58	0.15	0.0669	0.006327	0.006011
Pfcf Ratio	17.89	35.84	6.37	6.96	6.6	6.27
Ev To Operating Cash Flow	8.49	12.3	(0.37)	6.79	7.29	7.21
Pe Ratio	30.75	14.23	8.64	9.32	8.07	16.06
Return On Tangible Assets	0.005203	0.009215	0.0105	0.0134	0.0132	0.008
Ev To Free Cash Flow	9.72	29.32	(0.44)	7.28	7.34	10.67
Intangibles To Total Assets	0.0172	0.014	0.0103	0.008846	0.007259	0.0119
Net Debt To E B I T D A	(8.38)	(1.89)	(57.78)	7.15	8.55	8.98
Current Ratio	18.22	23.38	27.42	474.27	426.85	448.19
Tangible Book Value Per Share	12.37	14.01	19.37	18.78	22.39	13.42
Graham Number	14.5	22.47	33.19	38.18	44.62	23.05
Shareholders Equity Per Share	14.53	16.14	21.61	20.86	24.4	14.98
Debt To Equity	0.0984	0.31	0.15	0.82	0.85	0.9
Capex Per Share	0.16	0.76	0.55	0.3	0.0283	0.0269
Graham Net Net	(100.86)	(120.47)	(171.51)	(193.52)	(214.72)	(225.46)

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When determining whether Southern States Banc is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Southern Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Southern States Bancshares Stock. Highlighted below are key reports to facilitate an investment decision about Southern States Bancshares Stock:

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What is Southern States' Net Worth?

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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Southern States. If investors know Southern will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Southern States listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.037

Dividend Share

0.36

Earnings Share

3.51

Revenue Per Share

9.586

Quarterly Revenue Growth

0.372

The market value of Southern States Banc is measured differently than its book value, which is the value of Southern that is recorded on the company's balance sheet. Investors also form their own opinion of Southern States' value that differs from its market value or its book value, called intrinsic value, which is Southern States' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Southern States' market value can be influenced by many factors that don't directly affect Southern States' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Southern States' value and its price as these two are different measures arrived at by different means. Investors typically determine if Southern States is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Southern States' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Price Book Value Ratio	Price Earnings To Growth Ratio
Days Of Payables Outstanding	Dividend Payout Ratio
Price To Operating Cash Flows Ratio	Price To Free Cash Flows Ratio
Pretax Profit Margin	Ebt Per Ebit
Operating Profit Margin	Effective Tax Rate
Company Equity Multiplier	Long Term Debt To Capitalization
Total Debt To Capitalization	Return On Capital Employed
Debt Equity Ratio	Ebit Per Revenue
Quick Ratio	Dividend Paid And Capex Coverage Ratio
Net Income Per E B T	Cash Ratio
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity	Operating Cycle
Cash Conversion Cycle

Southern Historical Financial Ratios

About Southern Financial Ratios Analysis

Southern States Financial Ratios Chart

Price To Sales Ratio

Dividend Yield

Ptb Ratio

Southern States fundamentals Correlations

Southern States Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Southern States fundamentals Accounts

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Pb Ratio	+ 1.0	Ptb Ratio
Payables Turnover	+ 0.98	Inventory Turnover
Capex To Revenue	+ 0.96	Capex To Depreciation
Net Income Per Share	+ 0.96	Free Cash Flow Per Share
Roe	+ 0.96	Roic
Capex To Operating Cash Flow	+ 0.96	Capex To Revenue

Payables Turnover	- 1.0	Days Of Inventory On Hand
Days Of Inventory On Hand	- 0.99	Inventory Turnover
Pocfratio	- 0.97	Free Cash Flow Yield
Net Income Per Share	- 0.95	Inventory Turnover
Payables Turnover	- 0.93	Net Income Per Share
Days Payables Outstanding	- 0.92	Payables Turnover