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Southern States Bancshares Inc (SSBK)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US8438783073
IPO Date
Aug 12, 2021

Highlights

Total Revenue (TTM)
$181.99M
Gross Profit (TTM)
$99.10M
EBITDA (TTM)
$51.01M
Year Range
$30.44 - $37.22

Share Price Chart


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Southern States Bancshares Inc

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Southern States Bancshares Inc, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period


Southern States Bancshares Inc

1D
1M
YTD
6M
1Y
3Y*
5Y*
10Y*

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025-1.29%-0.95%10.07%-6.55%3.51%5.45%0.00%9.78%
2024-12.70%-2.39%4.26%-6.75%10.16%2.30%20.89%-4.58%-1.57%1.24%19.99%-10.51%15.23%
2023-0.93%1.29%-22.13%0.31%-11.22%5.50%19.19%-8.58%-1.40%2.79%8.61%16.56%2.65%
20228.43%-0.61%9.86%-0.52%0.98%-2.58%4.49%2.99%13.02%4.73%2.25%-0.48%50.19%
2021-1.97%-1.60%2.41%0.46%0.20%-0.56%

Benchmark Metrics

Southern States Bancshares Inc has an annualized alpha of 18.26%, beta of 0.48, and R² of 0.08 versus S&P 500 Index. Calculated based on daily prices since August 13, 2021.

  • This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (55.81%) than losses (5.32%) — typical of diversified or defensive assets.
  • Beta of 0.48 may look defensive, but with R² of 0.08 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R² of 0.08 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
18.26%
Beta
0.48
0.08
Upside Capture
55.81%
Downside Capture
5.32%

Return for Risk

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Southern States Bancshares Inc (SSBK) and compare them to a chosen benchmark (S&P 500 Index).


Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Dividends

Dividend History

Southern States Bancshares Inc provided a 0.25% dividend yield over the last twelve months, with an annual payout of $0.09 per share. The company has been increasing its dividends for 3 consecutive years.


0.40%0.60%0.80%1.00%1.20%$0.00$0.10$0.20$0.30$0.402021202220232024
Dividends
Dividend Yield
PeriodTTM2024202320222021
Dividend$0.09$0.36$0.36$0.36$0.09

Dividend yield

0.25%1.08%1.23%1.24%0.46%

Monthly Dividends

The table displays the monthly dividend distributions for Southern States Bancshares Inc. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2025$0.00$0.09$0.00$0.00$0.09$0.00$0.00$0.18
2024$0.00$0.09$0.00$0.00$0.09$0.00$0.09$0.00$0.00$0.00$0.09$0.00$0.36
2023$0.00$0.09$0.00$0.00$0.09$0.00$0.00$0.09$0.00$0.00$0.09$0.00$0.36
2022$0.00$0.09$0.00$0.00$0.09$0.00$0.00$0.09$0.00$0.00$0.09$0.00$0.36
2021$0.09$0.00$0.09

Dividend Yield & Payout


Dividend Yield

Southern States Bancshares Inc has a dividend yield of 0.25%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.

Payout Ratio

Southern States Bancshares Inc has a payout ratio of 9.19%, which is below the market average. This means Southern States Bancshares Inc returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the Southern States Bancshares Inc. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Southern States Bancshares Inc was 34.67%, occurring on Jun 5, 2023. Recovery took 141 trading sessions.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-34.67%Feb 10, 202379Jun 5, 2023141Dec 26, 2023220
-23.03%Dec 27, 202333Feb 13, 2024110Jul 23, 2024143
-18.51%Nov 26, 202466Mar 5, 2025
-14.45%Jul 26, 20249Aug 7, 202464Nov 6, 202473
-10.77%Mar 31, 202252Jun 14, 202218Jul 12, 202270

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of Southern States Bancshares Inc over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Southern States Bancshares Inc is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items