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Southern States Bancshares, Inc. (SSBK)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$130.66 - $754.08$243.83
Multi-Stage$84.03 - $92.04$87.96
Blended Fair Value$165.90
Current Price$35.75
Upside364.04%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018
DPS6.93%0.00%0.340.330.330.300.190.240.190.000.000.00
YoY Growth--3.85%0.88%9.44%57.00%-22.34%26.39%0.00%0.00%0.00%0.00%
Dividend Yield--0.95%1.28%1.44%1.29%0.96%1.23%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)37.10
(-) Cash Dividends Paid (M)3.41
(=) Cash Retained (M)33.69
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)7.424.642.78
Cash Retained (M)33.6933.6933.69
(-) Cash Required (M)-7.42-4.64-2.78
(=) Excess Retained (M)26.2729.0530.91
(/) Shares Outstanding (M)9.739.739.73
(=) Excess Retained per Share2.702.993.18
LTM Dividend per Share0.350.350.35
(+) Excess Retained per Share2.702.993.18
(=) Adjusted Dividend3.053.343.53
WACC / Discount Rate7.38%7.38%7.38%
Growth Rate4.93%5.93%6.93%
Fair Value$130.66$243.83$754.08
Upside / Downside265.48%582.04%2,009.32%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)37.1039.3041.6344.1046.7149.4850.97
Payout Ratio9.19%25.35%41.51%57.67%73.84%90.00%92.50%
Projected Dividends (M)3.419.9617.2825.4334.4944.5447.15

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.38%7.38%7.38%
Growth Rate4.93%5.93%6.93%
Year 1 PV (M)9.199.289.37
Year 2 PV (M)14.7114.9915.27
Year 3 PV (M)19.9720.5421.13
Year 4 PV (M)24.9825.9426.94
Year 5 PV (M)29.7531.2032.70
PV of Terminal Value (M)719.22754.15790.42
Equity Value (M)817.81856.10895.83
Shares Outstanding (M)9.739.739.73
Fair Value$84.03$87.96$92.04
Upside / Downside135.04%146.05%157.47%

High-Yield Dividend Screener

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