SSB Bancorp Inc (SSBP)
OTHER OTC:SSBP
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SSB Bancorp
(OTC:SSBP)
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Rating:57Neutral
Price Target:
$13.00
▲(5.09% Upside)
Action:Reiterated
Date:12/30/25
The score is held back primarily by weak cash generation (negative operating and free cash flow over multiple years) and 2024 margin compression, despite improving revenue momentum and a de-risked balance sheet. Technically, the trend is positive but appears overbought, while valuation looks reasonable on P/E with no dividend yield data to add support.
Positive Factors
Revenue Growth
Strong revenue growth indicates effective customer acquisition and product demand, supporting long-term business expansion and market position.
Negative Factors
Cash Flow Challenges
Persistent negative operating cash flows indicate inefficiencies in cash generation, which could limit the company's ability to fund operations and growth initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Strong revenue growth indicates effective customer acquisition and product demand, supporting long-term business expansion and market position.
Read all positive factors
SSB Bancorp (SSBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$36.01M
Dividend YieldN/A
Average Volume (3M)205.00
Price to Earnings (P/E)11.5
Beta (1Y)0.19
Revenue Growth18.22%
EPS Growth62.35%
CountryUS
Employees21
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding2,279,191
10 Day Avg. Volume465
30 Day Avg. Volume205
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)0.89
Price to Sales (P/S)1.19
P/FCF Ratio7.44
Enterprise Value/Market Cap-2.08
Enterprise Value/Revenue-4.30
Enterprise Value/Gross Profit-7.45
Enterprise Value/Ebitda-28.98
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
SSB Bancorp Business Overview & Revenue Model
Company Description
SSB Bancorp, Inc. operates as the holding company for SSB Bank that provides various financial services to individuals and corporate customers in Pennsylvania. Its primary deposit products include passbook savings accounts, checking accounts, mone...
How the Company Makes Money
SSB Bancorp generates revenue primarily through interest income from its loan portfolio, which includes personal, commercial, and mortgage loans. The company also earns income from fees associated with its banking services, such as account mainten...
SSB Bancorp Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
63
Positive
Cash Flow
28
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.42M | 23.53M | 20.21M | 16.27M | 11.30M | 10.49M |
| Gross Profit | 10.06M | 14.44M | 0.00 | 9.42M | 8.20M | 10.49M |
| EBITDA | 2.59M | 3.35M | 2.48M | 2.47M | 1.74M | 1.51M |
| Net Income | 1.98M | 2.41M | 1.90M | 1.90M | 1.33M | 1.11M |
Balance Sheet | ||||||
| Total Assets | 308.72M | 369.49M | 318.80M | 295.82M | 251.18M | 235.18M |
| Cash, Cash Equivalents and Short-Term Investments | 36.21M | 704.98K | 0.00 | 33.37M | 24.99M | -2.26M |
| Total Debt | 20.25M | 19.10M | 20.08M | 20.25M | 19.25M | 27.90M |
| Total Liabilities | 281.02M | 338.05M | 289.93M | 268.63M | 226.91M | 212.02M |
| Stockholders Equity | 27.70M | 31.44M | 28.86M | 27.20M | 24.27M | 23.16M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 3.76M | -5.05M | -2.00M | -15.67M | -42.33M |
| Operating Cash Flow | 0.00 | 4.14M | -4.95M | -1.84M | -15.64M | -42.21M |
| Investing Cash Flow | 0.00 | -13.40M | -11.87M | -41.93M | 515.21K | 13.49M |
| Financing Cash Flow | 0.00 | 47.49M | 20.25M | 41.24M | 15.08M | 402.89K |
SSB Bancorp Technical Analysis
Positive
12.37
Price Trends
14.87
Positive
13.98
Positive
12.53
Positive
Market Momentum
0.30
Positive
57.79
Neutral
43.61
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SSBP, the sentiment is Positive. The current price of 12.37 is below the 20-day moving average (MA) of 15.66, below the 50-day MA of 14.87, and below the 200-day MA of 12.53, indicating a bullish trend. The MACD of 0.30 indicates Positive momentum. The RSI at 57.79 is Neutral, neither overbought nor oversold. The STOCH value of 43.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SSBP.
SSB Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $38.17M | 27.45 | 1.71% | ― | 10.06% | ― | |
57 Neutral | $36.01M | 11.52 | 6.77% | ― | 18.22% | 62.35% | |
51 Neutral | $13.69M | -139.73 | 0.09% | ― | 8.13% | -357.58% | |
41 Neutral | $2.78M | -0.54 | -229.75% | ― | -41.20% | 94.76% |
* Financial Sector Average
SSBP
SSB Bancorp
15.80
6.80
75.56%
CARV
Carver Bancorp
1.41
0.00
0.00%
GLBZ
Glen Burnie Bancorp
4.65
-0.34
-6.75%
KFFB
Kentucky First Federal Bancorp
4.77
2.16
82.68%
SHFS
SHF Holdings
0.39
-2.09
-84.41%
MBBC
Marathon Bancorp
14.40
4.41
44.14%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.