SSB Bancorp (SSBP) Stock Price

SSB Bancorp Price

NYSE·CLOSED
18.15USD+0.00 (+0.00 %)
Market closed

Revenue has compounded at 15.9% per year over the past 10 years to 23.53 M USD. Earnings per share have grown at 17.4% per year over the last 9 years. SSB Bancorp's net margin stands at 10.3%, broadly stable from 10.5% several years earlier. The stock trades about 99% above its 52-week low.

SSB Bancorp stock price

Volume
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of SSB Bancorp over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how SSB Bancorp stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing SSB Bancorp's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

SSB Bancorp Stock Price History
DateSSB Bancorp Price
7/30/202618.15 USD
7/29/202618.15 USD
7/27/202618.15 USD
7/23/202618.15 USD
7/22/202617.90 USD
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1/27/202612.15 USD
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9/16/202510.65 USD
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8/21/20259.99 USD
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8/18/20259.80 USD
8/15/202510.05 USD
8/14/20259.40 USD
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8/12/20259.35 USD
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8/7/20259.25 USD
8/6/20259.25 USD
8/5/20259.19 USD
8/4/20259.10 USD
Access this data via the Eulerpool API

SSB Bancorp Revenue, Net Income

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Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2018
7.48 M USD
380,416.00 USD
Jan 1, 2019
9.01 M USD
436,345.00 USD
Jan 1, 2020
10.78 M USD
1.43 M USD
Jan 1, 2021
10.49 M USD
1.11 M USD
Jan 1, 2022
8.48 M USD
1.33 M USD
Jan 1, 2023
10.09 M USD
1.90 M USD
Jan 1, 2024
20.21 M USD
1.90 M USD
Jan 1, 2025
23.53 M USD
2.41 M USD

SSB Bancorp Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 1, 2026, 4:22 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
20152016201720182019202020212022202320242025
5.005.006.007.009.0010.0010.008.0010.0020.0023.00
20.0016.6728.5711.11-20.0025.00100.0015.00
100.0060.0066.6757.1455.5660.00100.00100.00100.0055.0060.87
5.003.004.004.005.006.0010.008.0010.0011.0014.00
1.001.001.001.001.002.00
100.00
2.192.254.382.172.182.192.202.152.232.192.19
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales SSB Bancorp generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue SSB Bancorp retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare SSB Bancorp's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares SSB Bancorp has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against SSB Bancorp's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

SSB Bancorp stock margins

The SSB Bancorp margin analysis displays the gross margin, EBIT margin, as well as the profit margin of SSB Bancorp. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for SSB Bancorp.
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Profit margin
Details
Date
Profit margin
Jan 1, 2018
5.09 %
Jan 1, 2019
4.84 %
Jan 1, 2020
13.27 %
Jan 1, 2021
10.54 %
Jan 1, 2022
15.66 %
Jan 1, 2023
18.84 %
Jan 1, 2024
9.38 %
Jan 1, 2025
10.26 %

SSB Bancorp Revenue per Share, Earnings per Share

The SSB Bancorp earnings per share therefore indicates how much revenue SSB Bancorp has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2018
3.45 USD
0.18 USD
Jan 1, 2019
4.13 USD
0.20 USD
Jan 1, 2020
4.92 USD
0.65 USD
Jan 1, 2021
4.77 USD
0.50 USD
Jan 1, 2022
3.94 USD
0.62 USD
Jan 1, 2023
4.53 USD
0.85 USD
Jan 1, 2024
9.23 USD
0.87 USD
Jan 1, 2025
10.76 USD
1.10 USD

SSB Bancorp business model & stock analysis

SSB Bancorp Inc was founded in 1906 in Pennsylvania and has since had a long and successful history. The company specializes in banking services and operates a variety of subsidiaries that focus on various areas of finance. The business model of SSB Bancorp Inc is focused on offering its customers a comprehensive range of financial products and services. These include individual bank accounts and credit cards, checking accounts, savings and investment products, insurance, as well as financing and loan offerings. The products and services are offered to both private and business customers. The company is divided into different divisions in order to tailor its offerings to the specific needs of customers. The main divisions include personal banking, business banking, and wealth management. Within these divisions, several business areas are offered, such as mortgage financing, wealth management, personal loans, and insurance. One of the key products of SSB Bancorp Inc is online banking. Customers can easily and conveniently manage their accounts online, view their transactions and balances, and make transfers. The company also invests in technological innovations to offer its customers an even better banking experience. For example, mobile apps have been developed that enable banking on mobile devices such as smartphones and tablets. Another important product of SSB Bancorp Inc is wealth management. This business area offers a wide range of services aimed at preserving and growing customers' assets in the long term. These include stock and securities trading, investment funds, investment strategies, and financial advisory services. The company operates several branches in various regions. It strives to provide its customers with personal and individual advice. In addition, it is always committed to transparency and fairness in its business operations. Overall, SSB Bancorp Inc has achieved solid growth in recent years and has established itself as a leading financial service provider in Pennsylvania. The company is committed to offering its customers a comprehensive range of financial products and services to meet their needs. As a solid and stable company with a strong market position, SSB Bancorp Inc will certainly continue to grow in the coming years and establish itself as a trusted partner for its customers.

SSB Bancorp SWOT Analysis

Strengths

SSB Bancorp Inc has consistently shown strong financial performance, with steady revenue growth and healthy profit margins. This financial stability provides a solid foundation for future growth and expansion.

The company has a well-established market presence and a loyal customer base. This enables SSB Bancorp Inc to leverage its brand reputation and customer relationships to attract new customers and expand its market share.

Weaknesses

SSB Bancorp Inc has a limited geographic presence, primarily operating in a specific region. This lack of diversification exposes the company to economic downturns or regulatory changes specific to that region, increasing its vulnerability to market fluctuations.

The company's reliance on traditional banking services, such as loans and deposits, may limit its ability to adapt to the shifting landscape of digital banking and disruptive fintech companies. Failure to embrace new technologies and customer preferences could result in lost market share.

Opportunities

SSB Bancorp Inc has the opportunity to expand its operations into new markets, both geographically and in terms of product offerings. This would not only help reduce its dependence on a single region but also tap into untapped markets with growth potential.

By embracing digital transformation, SSB Bancorp Inc can stay competitive in the evolving banking industry. Investing in technology, online banking platforms, and innovative financial products can attract tech-savvy customers, enhance operational efficiency, and increase market share.

Threats

The banking industry is highly competitive, with both traditional banks and fintech startups vying for market share. SSB Bancorp Inc faces the risk of losing customers to competitors offering superior products, services, or technological advancements.

Changes in economic conditions, interest rates, or government regulations can significantly impact the banking industry. SSB Bancorp Inc must closely monitor and adapt to these external factors to mitigate the risks associated with economic uncertainty.

SSB Bancorp Employees

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SSB Bancorp Employees
Details
Date
SSB Bancorp Employees
Jan 1, 2017
- Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees

SSB Bancorp Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

SSB Bancorp historical P/E ratio, EBIT multiple, and P/S ratio

SSB Bancorp annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

SSB Bancorp shares outstanding

The number of shares of SSB Bancorp was 2.19 M in 2025. This indicates how many shares SSB Bancorp is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details
Date
Number of stocks
Jan 1, 2018
2.17 M Stocks
Jan 1, 2019
2.18 M Stocks
Jan 1, 2020
2.19 M Stocks
Jan 1, 2021
2.20 M Stocks
Jan 1, 2022
2.15 M Stocks
Jan 1, 2023
2.23 M Stocks
Jan 1, 2024
2.19 M Stocks
Jan 1, 2025
2.19 M Stocks
Price targets and forecasts for SSB Bancorp are not yet available.

SSB Bancorp shareholder structure

% Name
2.75439%
Stilwell Value LLC
Stilwell Value LLC

SSB Bancorp Beneficial Ownership Filings (SEC 13D/G)

Free Float
40.7%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
55.00%
SSB Bancorp, MHC
SSB Bancorp, MHC
SEC ↗
5.09%
Stilwell Value LLC
Stilwell Value LLC
SEC ↗
5.09%
Stilwell Partners, L.P.
Stilwell Partners, L.P.
SEC ↗
5.09%
Joseph Stilwell
Joseph Stilwell
SEC ↗

Frequently asked questions about SSB Bancorp

The business model of SSB Bancorp Inc, a notable financial institution, revolves around providing a range of banking services to individuals, businesses, and communities. As a trusted entity, SSB Bancorp Inc focuses on accepting deposits from customers and utilizing those funds to facilitate lending activities, such as mortgage loans, commercial loans, and personal loans. By effectively managing their portfolio and offering competitive interest rates, SSB Bancorp Inc strives to generate revenue through interest income, thus ensuring profitability for both the organization and its shareholders.

All fundamentals and in-depth analysis of SSB Bancorp

Our stock analysis for SSB Bancorp stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of SSB Bancorp. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.