Southern States Bancshares Inc (SSBK) Peer Comparison

$36.37

$0.00 (0.00%)

As on 02-Jul-2025 09:30EDT

Market cap

$361 Mln

Revenue (TTM)

$182 Mln

P/E Ratio

9.6

P/B Ratio

1.2

Div. Yield

1 %

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	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Market cap ($ Mln)	361	496
Revenue ($ Mln)	182	258
Net Profit ($ Mln)	37.10	40.66
Net Margin (%)	20.39	15.74
RoE (%)	13.21	10.79
Price to Earnings	9.57	12.12
Price-To-Book	1.24	1.29

Income Statement
Liabilities
Assets
Cashflow
Ratios

Income Statement ($ Mln)

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Operating Revenue	181.99	258.37
Cost of Revenue	82.96	86.13
Gross Profit	94.14	168.76
Operating Expenses	50.48	118.17
Operating Profit (EBIT)	48.55	54.07
Other Income	0.00	0.00
Profit before Tax	48.55	54.07
Provision for Tax	11.45	13.41
Profit after Tax (Net Income)	37.10	40.66
Minority Interest	0.00	0.00
Consolidated Profit	0.00	0.00

Liabilities ($ Mln)

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Shareholder's Funds	290.18	385.36
Minority Interest	0.00	0.00
Non-Current Liabilities	113.75	122.51
Current Liabilities	2,447.22	4,392.63
Total Liabilities	2,848.25	4,827.73

Assets ($ Mln)

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Non-Current Assets	2,565.00	4,779.08
Current Assets	286.15	121.41
Total Assets	2,848.25	4,827.73
Total Debt*	111.38	178.09
Net Current Assets	0.00	0.00

Cashflow ($ Mln)

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Cash From Operating Activities	39.46	46.70
Cash Flow from Investing Activities	-54.86	-346.54
Cash from Financing Activities	24.93	327.26
Net Cash Inflow / Outflow	--	--

Ratios

Profitability Ratios

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
ROCE (%)	8.04	7.47
ROE (%)	13.21	10.79
ROA (%)	1.24	0.83
EBIT Margin (%)	26.68	20.93
Net Margin (%)	20.39	15.74
Cash Profit Margin (%)	0.00	0.00

Growth Ratios

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Revenue Growth (%)	20.80	13.94
EBIT Growth (%)	16.92	11.60
Net Profit Growth (%)	14.51	13.59
EPS Growth (%)	5.70	11.97
Book Value Growth (%)	16.90	13.81

Valuation Ratios

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Price / Earnings	9.61	12.72
Price / Book Value	1.20	1.37
Dividend Yield (%)	--	--
EV/EBITDA	3.50	11.04
Market Cap ($ Cr)	--	--

Solvency Ratios

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Debt to Equity	0.31	0.18
Short term debt to equity ratio	0.07	0.22
Current Ratio	0.12	0.03
Quick Ratio	0.12	0.03
Interest Coverage	1.62	1.64

Operating Efficiency Ratios

	Southern States Bancshares Inc (SSBK)	Enterprise Bancorp (EBTC)
Debtors to sales (%)	5.73	8.43
Asset Turnover	0.06	0.05
Receivable days	19.40	28.70
Inventory Days	48.38	78.81
Payable days	8.12	29.72
Cash Conversion Cycle	59.67	77.80

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Annual
Quarterly