SSBP (SSB Bancorp) EV-to-OCF: (As of Jul. 29, 2026)

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Director of Data and Quant Analytics at GuruFocus
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SSBP SSB Bancorp Inc SSBP
69 GF Score
Price $18.15
GF Value $15.13
Valuation Modestly Overvalued
! 3 Warning Signs
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What is SSB Bancorp EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, SSB Bancorp's Enterprise Value is $-56.58 Mil. SSB Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $0.00 Mil. Therefore, SSB Bancorp's EV-to-OCF for today is .

The historical rank and industry rank for SSB Bancorp's EV-to-OCF or its related term are showing as below:

SSBP' s EV-to-OCF Range Over the Past 10 Years
Min: -179.01   Med: 22   Max: 630.59
Current: -13.68

During the past 8 years, the highest EV-to-OCF of SSB Bancorp was 630.59. The lowest was -179.01. And the median was 22.00.

SSBP's EV-to-OCF is ranked better than
91.6% of 1500 companies
in the Banks industry
Industry Median: 3.785 vs SSBP: -13.68

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-29), SSB Bancorp's stock price is $18.15. SSB Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $1.760. Therefore, SSB Bancorp's PE Ratio (TTM) for today is 10.31.


SSB Bancorp  (OTCPK:SSBP) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

SSB Bancorp's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=18.15/1.760
=10.31

SSB Bancorp's share price for today is $18.15.
SSB Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.760.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


SSB Bancorp EV-to-OCF Related Terms


SSB Bancorp EV-to-OCF Historical Data

* Premium members only.

The historical data trend for SSB Bancorp's EV-to-OCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SSB Bancorp EV-to-OCF Chart

SSB Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial 24.37 0.00 5.10 7.09 -4.22

SSB Bancorp Quarterly Data
Jun20 Sep20 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 -4.22 0.00 0.00

SSBP vs FMFP, ANDC, LKSB: EV-to-OCF Comparison

For the Banks - Regional subindustry, SSB Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, SSB Bancorp's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where SSB Bancorp's EV-to-OCF falls into.


SSBP
69GF Score
SSB Bancorp Inc SSBP
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
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SSB Bancorp EV-to-OCF Calculation

SSB Bancorp's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=-56.577/0
=

SSB Bancorp's current Enterprise Value is $-56.58 Mil.
SSB Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is SSB Bancorp (SSBP) Overvalued in 2026?

Based on GuruFocus' analysis, SSB Bancorp stock appears to be overvalued. The current stock price of $18.15 is trading 20% above its estimated GF Value™ of $15.13. GuruFocus considers SSB Bancorp to be Modestly Overvalued.

Key valuation signals for SSBP:

  • EV-to-OCF:
  • GF Value™: $15.13 vs. price of $18.15 (20% above fair value)
  • GF Score™: 69/100 with 3 warning signs

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 Business Description

Address 8700 Perry Highway, Pittsburgh, PA, USA, 15237
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.
69GF Score

Get the complete analysis for SSBP

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.15
Price
$15.13
GF Value