SSB BancorpSSBP +0.28%71 PB Ratio is 1.09 as of Jun. 27, 2026, which is 31% above its 10-year median of 0.83. GuruFocus rates SSBP with a GF Score™ of 71/100 and a GF Value™ of $14.06 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,516 Banks companies, SSB Bancorp ranks better than 50.86% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-27), SSB Bancorp's share price is $16.10. SSB Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $14.80. Hence, SSB Bancorp's PB Ratio of today is 1.09.
Warning Sign:
SSB Bancorp Inc stock PB Ratio (=1.06) is close to 5-year high of 1.08.
The historical rank and industry rank for SSB Bancorp's PB Ratio or its related term are showing as below:
SSBP'
s PB Ratio Range Over the Past 10 Years
Min: 0.56 Med: 0.83 Max: 1.79
Current: 1.09
During the past 8 years, SSB Bancorp's highest PB Ratio was 1.79. The lowest was 0.56. And the median was 0.83.
SSBP's PB Ratio is ranked better than 50.86% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs SSBP: 1.09
During the past 12 months, SSB Bancorp's average Book Value Per Share Growth Rate was 10.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of SSB Bancorp was 26.50% per year. The lowest was 9.70% per year. And the median was 12.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
SSB Bancorp PB Ratio Related Terms
SSB Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for SSB Bancorp's PB Ratio 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.
For the Banks - Regional subindustry, SSB Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, SSB Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where SSB Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
SSB Bancorp's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
SSB Bancorp (SSBP) has a PB Ratio of 1.09 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SSB Bancorp and its competitors. This is 31% above median its historical median of 0.83. Over the past decade, SSB Bancorp's PB Ratio has ranged from 0.56 to 1.79. According to the industry distribution chart, SSB Bancorp ranks #745 out of 1516 companies in the Banks industry, placing it in the top 49.1%.
Is SSB Bancorp's PB Ratio too high?
SSB Bancorp's current PB Ratio of 1.09 is 31% above median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.79. The Banks industry median PB Ratio is 1.09. SSB Bancorp's value of 1.09 is 0% at this industry median. Based on the distribution chart, SSB Bancorp ranks #745 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, SSB Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SSB Bancorp's PB Ratio compare to OTTW and PCLB?
According to the Banks industry distribution chart, SSB Bancorp ranks #745 out of 1516 companies for PB Ratio. This puts SSB Bancorp in the upper half of its industry. The industry median PB Ratio is 1.09. SSB Bancorp's value of 1.09 is 0% at this benchmark. Historically, SSB Bancorp's own PB Ratio has ranged from 0.56 to 1.79 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 1.09, SSB Bancorp has consistently been at 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SSB Bancorp's current PB Ratio of 1.09 is 0% at 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SSB Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SSB Bancorp's current PB Ratio is 1.09, which is 31% above median its own 10-year median of 0.83. 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 Modestly Overvalued. The stock's GF Value™ is $14.06, compared to a current price of $16.10 — trading 14.5% above its estimated fair value. The current PB Ratio is 1.09, which is 31% above median its 10-year median of 0.83 and 0% at the Banks industry median of 1.09. SSB Bancorp's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For SSB Bancorp (SSBP), the current PB Ratio is 1.09 as of Jun. 27, 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 $16.10 is trading 14.5% above its estimated GF Value™ of $14.06.
GuruFocus considers SSB Bancorp to be Modestly Overvalued.
Key valuation signals for SSBP:
PB Ratio: 1.09 (31% above median its 10-year median of 0.83)
GF Value™: $14.06 vs. price of $16.10 (14.5% above fair value)
Industry Position: 0% at the Banks median (#745 of 1516)
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.
71GF Score
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