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SSB BancorpSSBP +8.84%65 3-Year EPS without NRI Growth Rate is 21.80% as of Jun. 2026, which is 35% below its 10-year median of 33.30. GuruFocus rates SSBP with a GF Score™ of 65/100 and a GF Value™ of $15.50 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,409 Banks companies, SSB Bancorp ranks better than 78.42% on this metric.
During the past 12 months, SSB Bancorp's average EPS without NRI Growth Rate was 109.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 21.80% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 48.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 8 years, the highest 3-Year average EPS without NRI Growth Rate of SSB Bancorp was 69.70% per year. The lowest was -11.00% per year. And the median was 33.30% per year.
SSB Bancorp (OTCPK:SSBP) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
SSB Bancorp 3-Year EPS without NRI Growth Rate Related Terms
SSBP vs ESBS, SCYT, HCBC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, SSB Bancorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SSB Bancorp 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, SSB Bancorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where SSB Bancorp's 3-Year EPS without NRI Growth Rate falls into.
SSB Bancorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 21.80% mean?
SSB Bancorp (SSBP) has a 3-Year EPS without NRI Growth Rate of 21.80% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for SSB Bancorp and its competitors. This is 35% below median its historical median of 33.30. According to the industry distribution chart, SSB Bancorp ranks #304 out of 1409 companies in the Banks industry, placing it in the top 21.6%.
Is SSB Bancorp's 3-Year EPS without NRI Growth Rate too high?
SSB Bancorp's current 3-Year EPS without NRI Growth Rate of 21.80% is 35% below median its 10-year median of 33.30. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. SSB Bancorp's value of 21.80% is 190.7% above this industry median. Based on the distribution chart, SSB Bancorp ranks #304 out of 1409 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SSB Bancorp has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SSB Bancorp's 3-Year EPS without NRI Growth Rate compare to ESBS and SCYT?
According to the Banks industry distribution chart, SSB Bancorp ranks #304 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places SSB Bancorp in the top 22% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.50. SSB Bancorp's value of 21.80% is 190.7% above this benchmark. While the company's 10-year median is 33.30 vs. the industry median of 7.50, SSB Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SSB Bancorp's current 3-Year EPS without NRI Growth Rate of 21.80% is 190.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for SSB Bancorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SSB Bancorp's current 3-Year EPS without NRI Growth Rate is 21.80%, which is 35% below median its own 10-year median of 33.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SSB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, SSB Bancorp (SSBP) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.50, compared to a current price of $24.50 — trading 58.1% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 21.80%, which is 35% below median its 10-year median of 33.30 and 190.7% above the Banks industry median of 7.50. SSB Bancorp's overall GF Score™ is 65/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For SSB Bancorp (SSBP), the current 3-Year EPS without NRI Growth Rate is 21.80% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SSB Bancorp (SSBP) Overvalued in 2026?
Based on GuruFocus' analysis, SSB Bancorp stock appears to be overvalued.
The current stock price of $24.50 is trading 58.1% above its estimated GF Value™ of $15.50.
GuruFocus considers SSB Bancorp to be Significantly Overvalued.
Key valuation signals for SSBP:
3-Year EPS without NRI Growth Rate: 21.80% (35% below median its 10-year median of 33.30)
GF Value™: $15.50 vs. price of $24.50 (58.1% above fair value)
Industry Position: 190.7% above the Banks median (#304 of 1409)
No single metric tells the full story. See the SSBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SSB Bancorp Inc is engaged in the provision of financial services to individuals and corporate customers. The bank offers deposits, loans, consumer financing, certificate of deposits, mortgage loans, card services, internet banking, insurance, and other related services. It operates in single reportable segment that is community banking.
65GF Score
Get the complete analysis for SSBP
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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