SSB Bancorp, Inc. SSBP

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25.25 USD 0.00 0.00%

At close · Oct 30

25.25 Day range 25.25
10.99 52-week range 25.50
YTD
+92.31%
1 year
+129.75%
Open
25.25
Prev close
25.25
Mkt cap
55.55M
Vol
1.01K
Avg vol
2.75K
EPS
2.14
P/E
11.80
More statistics
Low
25.25
High
25.25

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Financial health

Altman Z-Score

0.32 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 11.6×
FY 2016: 36.3×FY 2017: 36.3×FY 2018: 48.1×FY 2019: 40.0×FY 2020: 12.1×FY 2021: 17.9×FY 2022: 12.1×FY 2023: 9.1×FY 2024: 11.9×FY 2025: 11.6×
FY 2016 5y median 11.9× FY 2025
P/S 1.2×
FY 2016: 3.8×FY 2017: 3.1×FY 2018: 2.5×FY 2019: 1.9×FY 2020: 1.6×FY 2021: 1.9×FY 2022: 1.4×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/B 0.9×
FY 2016: 1.8×FY 2017: 1.8×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
P/FCF 7.4×
FY 2016: 292×FY 2017: -10.7×FY 2018: 52.7×FY 2019: 18.0×FY 2020: -0.3×FY 2021: -0.5×FY 2022: -1.0×FY 2023: -8.6×FY 2024: -4.5×FY 2025: 7.4×
FY 2016 5y median -1.0× FY 2025
EV/EBITDA 11.8×
FY 2016: 34.1×FY 2017: 24.6×FY 2018: 66.9×FY 2019: 34.0×FY 2020: 27.2×FY 2021: 33.2×FY 2022: 8.6×FY 2023: 4.1×FY 2024: 6.0×FY 2025: 11.8×
FY 2016 5y median 8.6× FY 2025
EV/Sales 2.0×
FY 2016: 5.7×FY 2017: 4.5×FY 2018: 5.4×FY 2019: 2.7×FY 2020: 5.4×FY 2021: 4.8×FY 2022: 1.4×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 2.0×
FY 2016 5y median 1.4× FY 2025
FCF Yield 13.4%
FY 2016: 0.3%FY 2017: -9.3%FY 2018: 1.9%FY 2019: 5.6%FY 2020: -317.5%FY 2021: -211.9%FY 2022: -97.4%FY 2023: -11.6%FY 2024: -22.5%FY 2025: 13.4%
FY 2016 5y median -22.5% FY 2025

Profitability

Gross Margin 61.4%
FY 2016: 57.3%FY 2017: 62.0%FY 2018: 59.2%FY 2019: 55.9%FY 2020: 64.7%FY 2021: 100.0%FY 2022: 72.6%FY 2023: 57.9%FY 2024: 57.6%FY 2025: 61.4%
FY 2016 5y median 61.4% FY 2025
Operating Margin 13.5%
FY 2016: 15.6%FY 2017: 17.4%FY 2018: 5.9%FY 2019: 6.1%FY 2020: 17.8%FY 2021: 12.8%FY 2022: 15.4%FY 2023: 15.2%FY 2024: 12.3%FY 2025: 13.5%
FY 2016 5y median 13.5% FY 2025
Net Margin 10.3%
FY 2016: 10.5%FY 2017: 8.7%FY 2018: 5.1%FY 2019: 4.8%FY 2020: 13.3%FY 2021: 10.5%FY 2022: 11.8%FY 2023: 11.7%FY 2024: 9.4%FY 2025: 10.3%
FY 2016 5y median 10.5% FY 2025
ROE 7.7%
FY 2016: 5.1%FY 2017: 4.9%FY 2018: 1.9%FY 2019: 2.1%FY 2020: 6.3%FY 2021: 4.8%FY 2022: 5.5%FY 2023: 7.0%FY 2024: 6.6%FY 2025: 7.7%
FY 2016 5y median 6.6% FY 2025
ROIC 0.7%
FY 2016: 1.9%FY 2017: 1.5%FY 2018: 0.7%FY 2019: 0.8%FY 2020: 1.0%FY 2021: 1.1%FY 2022: 2.8%FY 2023: 2.1%FY 2024: 2.2%FY 2025: 0.7%
FY 2016 5y median 2.1% FY 2025
ROA 0.7%
FY 2016: 0.4%FY 2017: 0.3%FY 2018: 0.2%FY 2019: 0.2%FY 2020: 0.6%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.6%FY 2024: 0.6%FY 2025: 0.7%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 16.4%
FY 2016: 4.1%FY 2017: 20.1%FY 2018: 10.8%FY 2019: 20.5%FY 2020: 19.6%FY 2021: -2.7%FY 2022: 7.6%FY 2023: 44.0%FY 2024: 24.2%FY 2025: 16.4%
FY 2016 FY 2025
Operating Income 27.5%
FY 2016: -49.5%FY 2017: 33.5%FY 2018: -62.2%FY 2019: 22.9%FY 2020: 252.2%FY 2021: -30.3%FY 2022: 29.7%FY 2023: 42.2%FY 2024: 0.5%FY 2025: 27.5%
FY 2016 FY 2025
EPS (diluted) 27.3%
FY 2016: -39.5%FY 2017: 0.0%FY 2018: -30.8%FY 2019: 11.1%FY 2020: 230.0%FY 2021: -24.2%FY 2022: 24.0%FY 2023: 41.9%FY 2024: 0.0%FY 2025: 27.3%
FY 2016 FY 2025
Free Cash Flow 174.5%
FY 2016: 104.0%FY 2017: -2822.4%FY 2018: 117.9%FY 2019: 172.1%FY 2020: -5823.5%FY 2021: 23.4%FY 2022: 63.0%FY 2023: 87.2%FY 2024: -152.8%FY 2025: 174.5%
FY 2016 FY 2025

Financial Health

Current Ratio 76.3×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.5×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 76.3×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 76.3×
FY 2016: 0.1×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.5×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 76.3×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 1.7×FY 2017: 2.2×FY 2018: 1.5×FY 2019: 1.5×FY 2020: 1.7×FY 2021: 1.2×FY 2022: 0.8×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 4.7×
FY 2016: 11.6×FY 2017: 7.3×FY 2018: 35.8×FY 2019: 9.8×FY 2020: 19.0×FY 2021: 20.0×FY 2022: 0.1×FY 2023: -2.5×FY 2024: -3.1×FY 2025: 4.7×
FY 2016 5y median 0.1× FY 2025
Interest Coverage 0.4×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 2.5×FY 2021: 2.5×FY 2022: 0.6×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31