Southern States Bancshares, Inc. (SSBK) Stock Analysis
DELISTED 2025
What happened to Southern States Bancshares, Inc. (SSBK) stock?
Southern States Bancshares, Inc. (SSBK) no longer trades on public markets. It was delisted in June 2025. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Southern States Bancshares, Inc. (SSBK) trades at $36.37. Southern States Bancshares, Inc. is a community bank holding company providing financial services to businesses and individuals. Market cap: $361M, Sector: Financial services.
Last analyzed: Mar 16, 2026Analyst Coverage for SSBK: SSBK does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SSBK against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
Southern States Bancshares, Inc. (SSBK) Financial Services Profile
Southern States Bancshares, Inc., operating as Southern States Bank, provides community banking services across Alabama and Georgia. With a focus on traditional deposit and loan products, the company serves both businesses and individuals, leveraging a network of 15 offices and digital banking solutions in a competitive regional banking landscape.
What Is the Investment Thesis for SSBK?
Southern States Bancshares, Inc. presents an investment opportunity within the regional banking sector, supported by a P/E ratio of 12.56 and a profit margin of 20.7%. The company's beta of 0.28 suggests lower volatility compared to the broader market. Growth catalysts include expansion within its existing Alabama and Georgia markets and potential strategic acquisitions. However, investors may want to evaluate risks such as interest rate sensitivity and competition from larger regional and national banks. The company's dividend yield of 0.25% offers a modest income component. Successful execution of its growth strategy and effective management of interest rate risk are key to unlocking shareholder value.
Based on FMP financials and quantitative analysis
SSBK Key Highlights
Market capitalization of $361M indicates a mid-sized regional bank.
- P/E ratio of 12.56 suggests a potentially undervalued stock compared to its earnings.
- Profit margin of 20.7% demonstrates efficient operations and profitability.
- Gross margin of 55.3% reflects a strong ability to generate revenue from its core banking activities.
- Beta of 0.28 indicates lower volatility compared to the overall market, potentially appealing to risk-averse investors.
Who Are SSBK's Competitors?
SSBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CSTR CapStar Financial Holdings, Inc. | $20.11 | +0.05% | $419M | 62 |
| CVCY Central Valley Community Bancorp | $19.89 | +2.26% | $235M | 44 |
| FRC First Republic Bank | $3.51 | +0.00% | $654M | 52 |
| HMST HomeStreet, Inc. | $13.87 | +1.84% | $262M | 66 |
| MBIN Merchants Bancorp | $53.50 | -1.65% | $2.46B | 32 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SSBK's Key Strengths?
Strong local presence in Alabama and Georgia.
- Experienced management team.
- Diversified loan portfolio.
- Solid profitability with a 20.7% profit margin.
What Are SSBK's Weaknesses?
Limited geographic footprint compared to larger regional banks.
- Reliance on traditional banking services.
- Smaller market capitalization may limit access to capital.
- Lower dividend yield compared to some competitors.
What Could Drive SSBK Stock Higher?
Potential acquisitions of smaller community banks to expand market share.
- Continued growth in commercial lending to small and medium-sized businesses.
- Expansion of digital banking services to attract and retain customers.
- Focus on improving operational efficiency and profitability.
What Are the Key Risks for SSBK?
Financial-distress signal — its Altman Z-Score of -0.63 sits in the distress zone (elevated bankruptcy risk).
- Insider selling — insiders were net sellers of roughly $14.1M recently.
- Economic downturn affecting loan demand and credit quality.
- Rising interest rates impacting net interest margin.
- Competition from larger national and regional banks.
- Regulatory changes increasing compliance costs.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for SSBK?
- Expansion within Existing Markets: Southern States Bancshares can capitalize on growth opportunities within its existing markets in Alabama and Georgia. By increasing its market share through targeted marketing and enhanced customer service, the company can attract new customers and expand its loan portfolio. The market for community banking services in these states is estimated at $50 billion, providing ample room for growth. This expansion can be achieved within the next 3-5 years.
- Strategic Acquisitions: Southern States Bancshares can pursue strategic acquisitions of smaller community banks or branches in adjacent markets. This would allow the company to expand its geographic footprint, increase its asset base, and diversify its revenue streams. The market for community bank acquisitions is active, with numerous opportunities available. A successful acquisition could add $100-200 million in assets within 2 years.
- Enhanced Digital Banking Platform: Investing in and enhancing its digital banking platform can attract and retain customers, particularly younger demographics who prefer online and mobile banking services. This includes improving the user interface, adding new features such as mobile check deposit and bill pay, and enhancing cybersecurity measures. The digital banking market is growing at a rate of 15% per year, presenting a significant opportunity.
- Focus on Commercial Lending: Southern States Bancshares can focus on expanding its commercial lending business, targeting small and medium-sized businesses in its service area. By providing tailored loan products and personalized service, the company can build strong relationships with local businesses and become a preferred lender. The market for commercial loans in Alabama and Georgia is estimated at $30 billion, offering substantial growth potential.
- Wealth Management Services: Offering wealth management services to its existing customer base can generate additional revenue and increase customer loyalty. This includes providing financial planning, investment management, and retirement planning services. The wealth management market is growing at a rate of 8% per year, driven by an aging population and increasing affluence. This service can be launched within the next 1-2 years.
What Are SSBK's Competitive Advantages?
- Strong local presence and established relationships within its communities.
- Deep understanding of the local markets and customer needs.
- Personalized service and community focus differentiate it from larger national banks.
- Experienced management team with a proven track record in community banking.
What Does SSBK Do?
Southern States Bancshares, Inc., founded in 2007 and headquartered in Anniston, Alabama, operates as the holding company for Southern States Bank. The bank provides a range of community banking services to businesses and individuals, focusing on building relationships within its operational footprint in Alabama and Georgia. Its core offerings include a variety of deposit products such as savings, money market, and noninterest-bearing demand accounts, as well as certificates of deposit and time deposits. The company also provides a suite of loan products, including real estate construction and development loans, residential mortgages, commercial real estate mortgage loans, commercial and industrial loans, and direct consumer installment loans. To complement its traditional banking services, Southern States Bancshares offers online and mobile banking, and ATM services. The company operates 15 offices across Alabama and Georgia, with a loan production office located in Atlanta, Georgia, to serve a broader customer base. This regional focus allows Southern States Bancshares to tailor its services to the specific needs of its local markets, fostering customer loyalty and driving sustainable growth.
What Products and Services Does SSBK Offer?
- Provides community banking services to businesses and individuals.
- Offers savings, money market, and noninterest-bearing demand accounts.
- Provides certificates of deposit and time deposits.
- Offers real estate loan products, including construction, residential, and commercial mortgages.
- Provides commercial and industrial loans.
- Offers direct consumer installment loans and revolving credit loans.
- Provides online and mobile banking services.
- Operates ATMs for customer convenience.
How Does SSBK Make Money?
- Generates revenue primarily through interest income from loans.
- Earns fees from services such as deposit accounts, online banking, and ATM usage.
- Manages risk by diversifying its loan portfolio and adhering to regulatory requirements.
- Focuses on building relationships with local businesses and individuals to foster customer loyalty.
What Industry Does SSBK Operate In?
Southern States Bancshares operates within the regional banking industry, a sector characterized by intense competition and evolving customer expectations. The industry is influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Regional banks like Southern States Bancshares compete with larger national banks, credit unions, and fintech companies. The trend towards digitalization and mobile banking is reshaping the industry, requiring banks to invest in technology and adapt to changing customer preferences. The regional banking sector is expected to experience moderate growth, driven by increasing demand for loans and financial services from small businesses and individuals.
Who Are SSBK's Key Customers?
- Small to medium-sized businesses in Alabama and Georgia.
- Individual consumers seeking personal banking services.
- Real estate developers and investors.
- Commercial property owners.
Key Financial Metrics
Return on equity for Southern States Bancshares, Inc. stands at 14.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. SSBK trades at a trailing price-to-earnings ratio of 9.76, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.2%, the inverse of the P/E and a quick read on earnings relative to price.
Southern States Bancshares, Inc. (SSBK) Valuation Context
Valued at $361M, SSBK is classified as a small-cap stock.
Company Profile
Southern States Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Anniston, US. The company is led by CEO Mark A. Chambers. SSBK has traded publicly since 2021.
Financial Health
Southern States Bancshares, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.63 places it in the distress zone, a signal of elevated financial risk.
Forward Outlook
Wall Street analysts project Southern States Bancshares, Inc. revenue of about $117.8M for fiscal 2026, with EPS near $4.17.
Insider Activity
The most recent 12 insider filings for Southern States Bancshares, Inc. break down as 6 sales and 6 purchases. On net that is roughly 309K shares disposed (about $14.1M), a signal worth weighing alongside the fundamentals.
SSBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Community sentiment has shifted positively as investors are increasingly recognizing the bank's solid fundamentals and growth potential.
- The financial sector has shown resilience, and Southern States Bancshares is well-positioned to capitalize on this trend with its expanding footprint.
- Recent developments in regional banking regulations could favor smaller banks like SSBK, enhancing their competitive edge.
Bear Case
- Concerns over potential economic downturns have led some investors to question the stability of regional banks, including SSBK.
- There has been mixed community sentiment recently, with some traders expressing skepticism about the bank's growth strategy and market positioning.
- Insider selling activity has raised flags, suggesting that some executives may be cashing out during uncertain times, which can signal caution.
- Ongoing competition in the banking sector could pressure margins, making it challenging for Southern States Bancshares to maintain profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SSBK Latest News
No recent news available for SSBK.
Leadership: Mark A. Chambers
CEO
Mark A. Chambers serves as the CEO of Southern States Bancshares, Inc., leading a team of 206 employees. His extensive career in the banking industry includes various leadership roles with a focus on community banking. He has a deep understanding of the financial services sector and a proven track record of driving growth and profitability. Chambers is actively involved in community organizations and is committed to serving the needs of local businesses and individuals.
Track Record: Under Mark A. Chambers' leadership, Southern States Bancshares has expanded its presence in Alabama and Georgia, increased its asset base, and improved its financial performance. He has overseen the implementation of new technologies and services to enhance the customer experience and has fostered a culture of innovation and customer service. His strategic decisions have positioned the company for continued growth and success.
What Investors Ask About Southern States Bancshares, Inc. (SSBK) — Financial Services
What happened to Southern States Bancshares, Inc. (SSBK) stock?
Southern States Bancshares, Inc. (SSBK) no longer trades on public markets. It was delisted in June 2025. The figures below are historical and are not a current quote.
Can I still buy SSBK shares?
No. SSBK stopped trading on public markets in June 2025, so the shares are not available through a broker. Anything you see quoted for SSBK elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before SSBK stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to Southern States Bancshares, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does Southern States Bancshares, Inc. do?
Southern States Bancshares, Inc., through its subsidiary Southern States Bank, provides community banking services to businesses and individuals primarily in Alabama and Georgia. The bank offers a range of deposit products, including savings, money market, and checking accounts, as well as loan products such as commercial, residential, and consumer loans.
What are the main risks for SSBK?
The main risks for Southern States Bancshares, Inc. include credit risk, interest rate risk, and regulatory risk. Credit risk arises from the possibility that borrowers may default on their loans, leading to losses for the bank. Interest rate risk stems from the potential for changes in interest rates to negatively impact the bank's net interest margin.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis is pending and may provide additional insights.
- The regional banking sector is subject to various economic and regulatory factors that could impact the company's performance.