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SSB Bancorp (SSBP) AI Stock Analysis
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SSB Bancorp
(Other OTC:SSBP)
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.
SSB Bancorp (SSBP) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $55.55M
- Dividend Yield
- ―
- Average Volume (3M)
- 3,528
- Price to Earnings (P/E)
- 11.6
- Beta (1Y)
- 0.10
- Revenue Growth
- 23.58%
- EPS Growth
- 133.86%
- Country
- US
- Employees
- 21
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
SSB Bancorp Business Overview & Revenue Model
Company Description
As the parent organization of SSB Bank, SSB Bancorp, Inc. delivers a range of financial offerings to both individual and business clients throughout Pennsylvania. The bank's core deposit options encompass traditional passbook savings, checking, money...
How the Company Makes Money
SSB Bancorp primarily generates earnings through its banking subsidiary by (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest collected on loans and other interest-earning assets (e.g.,...
SSB Bancorp Financial Statement Overview
Summary
Revenue growth has improved and leverage has moderated, but profitability efficiency weakened in 2024 as margins compressed. The largest drag is persistently negative operating and free cash flow across 2021–2024, increasing reliance on funding and raising execution risk.
Income Statement
66PositiveBalance Sheet
63PositiveCash Flow
28Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 27.13M | 23.53M | 20.21M | 16.27M | 11.30M | 10.49M |
| Gross Profit | 18.89M | 14.44M | 11.64M | 9.42M | 8.20M | 10.49M |
| EBITDA | 6.61M | 3.94M | 2.48M | 2.63M | 1.90M | 1.51M |
| Net Income | 4.67M | 2.41M | 1.90M | 1.90M | 1.33M | 1.11M |
Balance Sheet | ||||||
| Total Assets | 397.82M | 369.49M | 318.80M | 295.82M | 251.18M | 235.18M |
| Cash, Cash Equivalents and Short-Term Investments | 1.06M | 704.98K | 34.04M | 33.37M | 24.99M | -2.26M |
| Total Debt | 19.00M | 19.10M | 20.08M | 20.25M | 19.25M | 27.90M |
| Total Liabilities | 362.48M | 338.05M | 289.93M | 268.63M | 226.91M | 212.02M |
| Stockholders Equity | 35.33M | 31.44M | 28.86M | 27.20M | 24.27M | 23.16M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 3.76M | -5.05M | -2.00M | -15.67M | -42.33M |
| Operating Cash Flow | 0 | 4.14M | -4.95M | -1.84M | -15.64M | -42.21M |
| Investing Cash Flow | 0 | -13.40M | -11.87M | -41.93M | 515.21K | 13.49M |
| Financing Cash Flow | 0 | 47.49M | 20.25M | 41.24M | 15.08M | 402.89K |
SSB Bancorp Technical Analysis
Price Trends
Market Momentum
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 25.25 is above the 20-day moving average (MA) of 24.86, above the 50-day MA of 24.18, and above the 200-day MA of 17.46, indicating a bullish trend. The MACD of 0.50 indicates Positive momentum. The RSI at 57.97 is Neutral, neither overbought nor oversold. The STOCH value of 42.02 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
Overall Rating
KFFB62Neutral- SSBP57Neutral
GLBZ52Neutral
SHFS39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| KFFB | 62Neutral | $43.18M | 22.64 | 3.86% | 0.94% | 8.69% | 958.30% |
| SSBP | 57Neutral | $55.55M | 11.63 | 14.04% | ― | 23.58% | 133.86% |
| GLBZ | 52Neutral | $12.19M | -76.49 | -0.39% | ― | 17.13% | -395.56% |
| SHFS | 39Underperform | $1.55M | -0.01 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SSBP | SSB Bancorp | 25.25 | 14.13 | 127.07% | |
| CARV | Carver Bancorp | 1.85 | -1.14 | -38.13% | |
| GLBZ | Glen Burnie | 4.17 | -0.52 | -10.98% | |
| KFFB | Kentucky First Federal | 5.34 | 1.39 | 35.29% | |
| SHFS | Shf Holdings Inc. | 0.06 | -29.82 | -99.79% | |
| MBBC | Marathon Bancorp, Inc. | 14.44 | 3.50 | 31.95% |
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.
Date of analysis: Dec 30, 2025