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Southern States Bancshares, Inc.
SSBKFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $177.17M | 19.7% | $34.90M | $38.09M | N/A |
| 2027 | $189.57M | 19.7% | $37.35M | $40.76M | $37.05M |
| 2028 | $202.84M | 19.7% | $39.96M | $43.61M | $36.04M |
| 2029 | $217.04M | 19.7% | $42.76M | $46.66M | $35.06M |
| 2030 | $232.24M | 19.7% | $45.75M | $49.93M | $34.10M |
| 2031 | $248.49M | 19.7% | $48.95M | $53.43M | $33.17M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.67 | 2024-12-31 |
| EPS growth | +2.5% | Forecast years: 5 |
| Future EPS | $4.152 | EPS × (1 + G)^5 |
| Base P/E | 8.9 | P/E |
| Future price | $36.955 | Future EPS × P/E |
| Fair value today | $22.946 | PV @ 10.0% |
| 30% safety price | $16.062 | Margin of safety |
| 50% safety price | $11.473 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $95.492 | $104.55 | $116.91 |
| 10.0% | $86.322 | $93.001 | $101.74 |
| 11.0% | $79.09 | $84.176 | $90.617 |