SSB Bancorp Valuation

SSBP Stock  USD 12.49  0.41  3.39%   
At this time, the company appears to be overvalued. SSB Bancorp owns a latest Real Value of $11.39 per share. The recent price of the company is $12.49. Our model measures the value of SSB Bancorp from inspecting the company fundamentals such as return on equity of 0.0563, and Current Valuation of 23.08 M as well as reviewing its technical indicators and probability of bankruptcy.
Overvalued
Today
12.49
Please note that SSB Bancorp's price fluctuation is very steady at this time. Calculation of the real value of SSB Bancorp is based on 3 months time horizon. Increasing SSB Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
SSB Bancorp's intrinsic value may or may not be the same as its current market price of 12.49, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  12.49 Real  11.39 Hype  12.49 Naive  12.87
The intrinsic value of SSB Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence SSB Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
11.39
Real Value
13.74
Upside
Estimating the potential upside or downside of SSB Bancorp helps investors to forecast how SSB pink sheet's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of SSB Bancorp more accurately as focusing exclusively on SSB Bancorp's fundamentals will not take into account other important factors:
Bollinger
Band Projection (param)
LowerMiddle BandUpper
10.7211.7412.77
Details
Hype
Prediction
LowEstimatedHigh
11.5012.4913.48
Details
Naive
Forecast
LowNext ValueHigh
11.8812.8713.87
Details

SSB Bancorp Total Value Analysis

SSB Bancorp is at this time forecasted to have valuation of 23.08 M with market capitalization of 18.01 M, debt of 41.55 M, and cash on hands of 40.12 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the SSB Bancorp fundamentals before making equity appraisal based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
23.08 M
18.01 M
41.55 M
40.12 M

SSB Bancorp Asset Utilization

The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of SSB connotes not a very effective usage of assets in December.

SSB Bancorp Ownership Allocation

The market capitalization of SSB Bancorp is $18.01 Million. Almost 97.18 % of SSB Bancorp outstanding shares are held by general public with 2.82 (percent) by institutions. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the company is less than the current market value, you may not be able generate positive returns on investment in the long run.

SSB Bancorp Profitability Analysis

The company reported the previous year's revenue of 8 M. Net Income was 1.11 M with profit before overhead, payroll, taxes, and interest of 7.61 M.

About SSB Bancorp Valuation

The pink sheet valuation mechanism determines SSB Bancorp's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of SSB Bancorp based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of SSB Bancorp. We calculate exposure to SSB Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of SSB Bancorp's related companies.
SSB Bancorp, Inc. operates as the holding company for SSB Bank that provides various financial services to individuals and corporate customers in Pennsylvania. The company was founded in 1922 and is based in Pittsburgh, Pennsylvania. Ssb Bancorp is traded on OTC Exchange in the United States.

8 Steps to conduct SSB Bancorp's Valuation Analysis

Company's valuation is the process of determining the worth of any company in monetary terms. It estimates SSB Bancorp's potential worth based on factors such as financial performance, market conditions, growth prospects, and overall economic environment. The result of company valuation is a single number representing a Company's current market value. This value can be used as a benchmark for various financial transactions such as mergers and acquisitions, initial public offerings (IPOs), or private equity investments. To conduct SSB Bancorp's valuation analysis, follow these 8 steps:
  • Gather financial information: Obtain SSB Bancorp's financial statements, including balance sheets, income statements, and cash flow statements.
  • Determine SSB Bancorp's revenue streams: Identify SSB Bancorp's primary sources of revenue, including products or services offered, target markets, and pricing strategies.
  • Analyze market data: Research SSB Bancorp's industry and market trends, including the size of the market, growth rate, and competition.
  • Establish SSB Bancorp's growth potential: Evaluate SSB Bancorp's management, business model, and growth potential.
  • Determine SSB Bancorp's financial performance: Analyze its financial statements to assess its historical performance and future potential.
  • Choose a valuation method: Consider the Company's specific circumstances and choose an appropriate valuation method, such as the discounted cash flow (DCF) or comparable analysis method.
  • Calculate the value: Apply the chosen valuation method to the financial information and market data to calculate SSB Bancorp's estimated value.
  • Review and adjust: Review the results and make necessary adjustments, considering any relevant factors that may have been missed or overlooked.
Note: This is a general outline, and different approaches and methods may be used depending on the type and size of the company being valued. We also recomment to seek professional assistance to ensure accuracy.

SSB Bancorp Growth Indicators

Investing in growth stocks can be very risky. If the company such as SSB Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Quarterly Earnings Growth Y O Y-0.317
Quarterly Revenue Growth Y O Y-0.017
Trailing Price Earnings13.8597

Additional Tools for SSB Pink Sheet Analysis

When running SSB Bancorp's price analysis, check to measure SSB Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy SSB Bancorp is operating at the current time. Most of SSB Bancorp's value examination focuses on studying past and present price action to predict the probability of SSB Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move SSB Bancorp's price. Additionally, you may evaluate how the addition of SSB Bancorp to your portfolios can decrease your overall portfolio volatility.