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SSB Bancorp, Inc (SSBP) Fair Value & Analysis

Financial Services · US · Market cap $35.0M

Price$16.06
Fair Value$14.36
Upside-10.6%
Quality95/100
Evidence: High Range $10.77 – $17.95

Fair value as of: Jun 26, 2026

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Analysis

SSB Bancorp, Inc (SSBP) currently trades at $16.06, while our model-based Fair Value estimate is $14.36 — implying the stock looks roughly 10.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

SSB Bancorp, Inc. operates as the holding company for SSB Bank that provides various financial services to individuals and corporate customers in Pennsylvania. Its primary deposit products include passbook savings accounts, checking accounts, money market accounts, time deposits, interest-bearing and non-interest bearing demand accounts, and certificates of deposit; and lending products consist of one-to-four family residential real estate loans, commercial real estate loans, multi-family residential real estate loans, construction loans, vehicle, inventory and equipment purchase, working capital, lines of credit, investment property loans, commercial and industrial loans, consumer loans, and home equity lines of credit. The company also offers credit card processing solutions, as well as Internet banking services. The company was founded in 1922 and is based in Pittsburgh, Pennsylvania. SSB Bancorp, Inc. is a subsidiary of SSB Bancorp, MHC.

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Frequently asked questions

Is SSB Bancorp, Inc (SSBP) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $14.36 versus a price of $16.06 — about −11% (overvalued). Model-based estimate, not financial advice.
What is the fair value of SSBP?
Our 21-model fair value for SSB Bancorp, Inc is $14.36 (as of Jun 26, 2026), built from audited fundamentals. The current price is $16.06.
What is the quality score of SSBP?
SSB Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.