Southern States Bancshares Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Southern States Bancshares Inc (SSBK) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Southern States Bancshares Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 99M vs 119M combined for tracked competitors (45.4% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+4.0% annualized vs trailing 12 months).
- Peer revenue share: Southern States Bancshares Inc accounted for 100.0% of combined revenue among its tracked peer group, up from 100.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.47M compares with $0.00M for the peer group (327.0x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
SSBK Sales vs. its Competitors, Q1 2025
Southern States Bancshares Inc generated 100.00 % of the combined sales of its peer group, up from 100.00 % a year earlier.
Southern States Bancshares Inc vs. its Competitors, Q1 2025
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Southern States Bancshares Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Southern States Bancshares Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Southern States Bancshares Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Southern States Bancshares Inc's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 7.8% year over year, combined, vs 23.4% for Southern States Bancshares Inc. Southern States Bancshares Inc's share of combined industry revenue moved from 0.01% to 0.02%, a gain of 0.00 percentage points.
Southern States Bancshares Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Southern States Bancshares Inc | Yes | Yes | Yes | Yes |
| Competitors combined (1) | - |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
SSBK Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Southern States Bancshares Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Southern States Bancshares Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Southern States Bancshares Inc | 366.33 | 99.03 |
| Bank Bradesco | 21,613.00 | 118.96 |
| SUBTOTAL | 21,979.33 | 217.98 |
Sources: Southern States Bancshares Inc's official press releases and company reports; CSIMarket.com's market research; and the company reports and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Southern States Bancshares Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Southern States Bancshares Inc's Competitors Named by the Company
Competitive relationships identified from Southern States Bancshares Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Bank Bradesco | Company report | 85% |
| River Financial Corporation | Company report | 85% |
| First Busey Corporation | Company report | 85% |
| Flagstar Bank National Association | Company report | 85% |
| Affinity Bancshares Inc | Company report | 85% |
| Renasant Corp | Company report | 85% |
| Communityone Bancorp | Company report | 85% |
| United Bancorporation Of Alabama Inc | Company report | 85% |
| Fcb Financial Holdings, Inc. | Company report | 85% |
| Provident Community Bancshares, Inc. | Company report | 85% |
| Atlantic Capital Bancshares inc | Company report | 85% |
| First Community Corporation | Company report | 85% |
| Peoples Financial Corporation | Company report | 85% |
| Banctrust Financial Group Inc | Company report | 85% |
| Southstate Bank Corp | Company report | 85% |
| Fb Financial Corporation | Company report | 85% |
| Home Bancshares Inc | Company report | 85% |
| Southwest Georgia Financial Corp | Company report | 85% |
| Colony Bankcorp inc | Company report | 85% |
| Hancock Whitney Corporation | Company report | 85% |
| Bayfirst Financial Corp | Company report | 85% |
| Seacoast Banking Corporation Of Florida | Company report | 85% |
| Coastalsouth Bancshares Inc | Company report | 85% |
| United Community Banks Inc | Company report | 85% |
| First Century Bankshares Inc | Company report | 85% |
| Park Sterling Corp | Company report | 85% |
| Auburn National Bancorporation Inc | Company report | 85% |
| Fifth Third Bancorp | Company report | 85% |
| Prime Meridian Holding Co | Company report | 85% |
| Cnb Corp | Company report | 85% |
| State Bank Financial Corp | Company report | 85% |
| First Bancorp | Company report | 85% |
| Metrocity Bankshares inc | Company report | 85% |
| Ameris Bancorp | Company report | 85% |
| Capital City Bank Group Inc | Company report | 85% |
| Ofg Bancorp | Company report | 85% |
| C1 Financial, Inc. | Company report | 85% |
| Servisfirst Bancshares Inc | Company report | 85% |
| Cullman Bancorp Inc | Company report | 85% |
| Uscb Financial Holdings Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Southern States Bancshares Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from Southern States Bancshares Inc reports (named-competitor disclosures) and corroborating sources. Confidence reflects evidence strength.
Southern States Bancshares Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Southern States Bancshares Inc | 366 | 473,809 | 177,512 |
| Bank Bradesco | 21,613 | 1,449 | 52,215 |
| PEERS TOTAL | 21,613 | 1,449 | 52,215 |
Southern States Bancshares Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Southern States Bancshares Inc's industry classification, broader than the peer set above. Market cap in millions of $.Southern States Bancshares Inc ranks #0 of 198 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 516, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 114,243 | 15.00 % |
| 2 | Deutsche Bank Aktiengesellschaft | 63,616 | 8.35 % |
| 3 | Ita Unibanco Holding S a | 54,492 | 7.16 % |
| 4 | Fifth Third Bancorp | 48,005 | 6.30 % |
| 5 | State Street Corp | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | Bank Bradesco | 1,234 | 5.2% |
| 0 | Southern States Bancshares Inc | 366 | 0.00 % |
Market cap and industry share for the rest of Southern States Bancshares Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2025-06-30.
Southern States Bancshares Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 93.81 % | 50.49 % (avg) | +43.3 pp |
| Capital Intensity (Capex / Revenue) | 1.25 % | 2.34 % (avg) | -1.1 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Southern States Bancshares Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 8.4x | - | - |
| EV / EBITDA | 4.7x | - | - |
| P/B | 1.2x | - | - |
| Return on Equity | 13.84 % | industry aggregate | 4.77 % |
| Return on Invested Capital | 1.97 % | 4.16 % (avg) | -2.19 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Southern States Bancshares Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue Growth | - | 144.98 % | 11.40 % | 13.56 % |
| Operating Margin | - | - | - | - |
| Return on Invested Capital | - | 2.60 % | 1.61 % | 1.53 % |
| P/E | - | 9.4x | 7.0x | 9.0x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Southern States Bancshares Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 516 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 1.25 % vs industry average 2.34 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Southern States Bancshares Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Southern States Bancshares Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Southern States Bancshares Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Southern States Bancshares Inc falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Southern States Bancshares Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+4.0% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Southern States Bancshares Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Southern States Bancshares Inc | - | 0.27 | 0.39 |
| Bank Bradesco | 90.31 | 6.18 | - |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Southern States Bancshares Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Southern States Bancshares Inc | Q1 2025 | +23.4 % | +27.5 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| PEERS TOTAL | -67.3 % | +31.1 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Southern States Bancshares Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Southern States Bancshares Inc | Q1 2025 | -37.3 % | -91.0 % |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
Southern States Bancshares Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Southern States Bancshares Inc | 1.34% | 1.69% | 13.84% |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Southern States Bancshares Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Southern States Bancshares Inc | 9.40 | 3.70 |
| Bank Bradesco | 0.91 | 181.69 |
| PEERS AVERAGE | 5.08 | 100.83 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.