SSB (SSB)

$94.16
+1.78%
$9.3B
Market Cap
10.2
P/E Ratio
0.72
Beta
2.53%
Dividend Yield
Piotroski 4/9Altman Z 0.2 Distress

Quantitative Summary

Deterministic

Financial health is average: Piotroski 4/9, Altman Z 0.2. DCF fair value of $29 implies 70% downside based on model assumptions.

Generated deterministically from quant metrics and financial statements. Not a recommendation.

DCF Sandbox

Interactive
Market Price
$94.16
Fair Value
$29
Implied Upside
-69.2%
$29IMPLIED FAIR VALUEOVERVALUEDOVERUNDER
Growth Rate (Y1–5)-4%
-10%20%50%
Discount Rate (WACC)9.1%
5%12.5%20%

5-year two-stage DCF. Terminal growth 3%. Default sliders match the pre-computed base case. Drag to explore scenarios. Not investment advice.

Reverse DCFMarket-Implied
14.7%annual FCF growth priced in at $94.16

The growth rate the market implicitly expects over the next 10 years to justify today's price. Compare with historical growth of 57% YoY revenue.

Sensitivity Matrix

TG ↓ / WACC →7.1%9.1%11.1%
2%$36$27$21
3%$42$29$23
4%$53$33$25

Center = base case. Green = >10% upside, Red = >10% downside vs $94.16.

Pre-computed DCF: WACC=9.1%, terminal growth 3%. Fair value $29 (-69.9%). Not investment advice.

Price Chart with Moving Averages

Loading chart...
SMA 50 SMA 200

Quant Health Deep Dive

4/9
Piotroski F-Score
Average — mixed operational signals
0.2
Altman Z-Score
Distress Zone — below 1.8 threshold per academic model. Thresholds: >3 safe, 1.8–3 grey, <1.8 distress.

Profitability & Value Creation

30.5%
Net Margin
9.1%
WACC
+57.0%
Revenue Growth (YoY)
+49.3%
Earnings Growth (YoY)
230.6M
Free Cash Flow
100%
FCF Payout Ratio

⚠️ Dividend consumes >80% of FCF — sustainability risk.

DuPont Analysis — ROE Decomposition

Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.

30.5%
Net Profit Margin
NI ÷ Revenue
×
0.04x
Asset Turnover
Revenue ÷ Assets
×
7.42x
Equity Multiplier
Assets ÷ Equity
=
8.8%
Return on Equity
⚠️ High equity multiplier — ROE is being amplified by leverage, not operational excellence.

Balance Sheet Health

6.42x
Debt / Equity
2.40%
FCF Yield

Insider Activity (Last 90 Days)

Net Insider Flow
-$1M
Net Selling
0
Buy Transactions
1
Sale Transactions
2026-03-12BROOKS RENEE RSold 1/8 qtrsOther2,128 shares
2026-02-20IDELL JENNIFER L.Other2,472 shares
2026-02-20CORBETT JOHN COther32,454 shares
2026-02-20YOUNG STEPHEN DEANOther10,433 shares
2026-02-20BOCKHORST DANIEL ESold 3/8 qtrsOther2,834 shares

Open-market buys vs sells by company insiders. Source: yfinance.

Earnings Surprise History

Q4
✓ Beat
Est: $1.64
Act: $2.15
+30.8%
Q3
✓ Beat
Est: $2.02
Act: $2.30
+13.6%
Q2
✓ Beat
Est: $2.20
Act: $2.58
+17.2%
Q1
✓ Beat
Est: $2.28
Act: $2.47
+8.3%

EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.

Dividend History

$0.6000
Latest Dividend
$2.28
2025 Total
+7.5%
YoY Growth
9 yrs
Consecutive Increases
Annual Dividends per Share
$0.63
2016
$1.32
2017
$1.38
2018
$1.67
2019
$1.88
2020
$1.92
2021
$1.98
2022
$2.04
2023
$2.12
2024
$2.28
2025
$1.20
2026
DateAmountChange
2026-05-08$0.60000.0%
2026-02-06$0.60000.0%
2025-11-07$0.60000.0%
2025-08-08$0.6000+11.1%
2025-05-09$0.54000.0%
2025-02-07$0.54000.0%
2024-11-08$0.54000.0%
2024-08-09$0.5400+3.8%
2024-05-09$0.52000.0%
2024-02-08$0.52000.0%
2023-11-09$0.52000.0%
2023-08-10$0.5200+4.0%
Stock Splits
2007-03-07: 1.05:12004-12-20: 1.05:12002-11-20: 1.1:11998-10-29: 1.1:11997-06-02: 2:1

Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.

Risk Profile

31.9%
Annual Volatility
0.48
Sharpe (1Y)
0.45
Sharpe (3Y)
-27.6%
Max Drawdown (3Y)
-32.7%
Max Drawdown (5Y)

Sharpe = risk-adjusted return (higher is better). Max drawdown = largest peak-to-trough decline. 1,200+ trading days.

Underwater (Drawdown from Peak)

How far below the all-time high the price has been over time. Deeper = more pain for holders.

Loading drawdown chart...

Rolling 60-Day Beta vs S&P 500 (VOO)

How the stock's sensitivity to market moves changes over time. β > 1 = more volatile than the market.

Loading beta chart...
Rolling Beta Market (β = 1.0)

Fundamentals

9.1
Forward P/E
1.45
PEG Ratio
1.04
Price/Book
845180
Avg Volume
$108.46
52W High
$84.48
52W Low
40%
52W Range Position

Passive Flow Attribution

ETF Draft Effect
$742M
Tracked Passive Exposure
8
ETFs Holding SSB
0.12%
Avg Weight in ETFs
$613B
Total ETF AUM

When investors buy or sell ETFs like KRE or KBE, the fund manager is mechanically forced to buy or sell SSB shares regardless of SSB's individual fundamentals. We estimate $742M of passive capital is structurally linked to SSB through 8 tracked ETFs. Passive flows have a limited but growing influence on SSB's daily trading dynamics.

Passive exposure = Σ (ETF AUM × stock weight in ETF) across 8 tracked ETFs. Actual passive ownership is larger (includes mutual funds). Not investment advice.

ETF Contagion Visualizer

Simulate a price drop in SSB to visualize passive redemption contagion across ETFs and collateral stocks.

SSB Shock
-0%
Est. Passive Redemption
$0
Systemic Risk
STABLE
SSBEpicenterVBETFVIGETFVYMETFPNFPHigh RiskEWBCHigh RiskUMBFHigh RiskFHNHigh RiskWBSHigh Risk
SSB Price Drop (%)0

If SSB (SSB) experiences a significant drawdown, ETF redemptions can create collateral selling pressure on co-held stocks. Our model identifies PINNACLE FINANCIAL PARTNERS (PNFP) as the most exposed collateral stock, sharing 4 ETFs with SSB. This is the "Passive Contagion" effect described in the Inelastic Market Hypothesis.

Contagion model based on shared ETF exposure and constituent weights across 15 tracked ETFs. Estimated selling pressure is a simplified model — actual impact depends on market liquidity, ETF redemption mechanics, and market-maker activity.

SSB Ownership Dynamics

Passive funds hold 1 in every 12 SSB shares, reducing daily market volatility.

Ticker
SSB
Total Shares
98M
ETF Lock-Up
8.5%
Display Mode
Total Float Impact
8.5%Locked Float

SSB (SSB) exerts measurable gravity on the passive index market, currently representing 1.4% of the KRE (KRE) and 1.0% of the KBE (KBE). Across 16 tracked ETFs, approximately 8M shares (8.5% of float) are held by passive funds and rarely trade on the open market. As passive ownership grows, index inclusion changes may increasingly drive price discovery.

Float lock-up computed from 16 ETFs tracked by SecuritiesDB. Actual passive ownership is higher (includes mutual funds, pension funds, etc.).

SSB Institutional Volume Profile

252-day volume distribution by price level. The Point of Control (POC) marks the price where the most institutional volume transacted — an implicit support/resistance floor.

TICKER
SSB
PRICE
$94.16
FLOOR (POC)
$89.97
STRENGTH
Medium
$84$85$86$87$897%$90POC 10%$918%$93$947%$94.16$959%$9610%$988%$997%$1007%$101$103$104$105$107$108
Focus Zone
Point of Control (POC) Support (below price) Resistance (above price) Current Price

The highest-volume price zone for SSB over the past year sits near $89.97 (10% of 252-day volume). The current price of $94.16 trades 4.7% above this institutional floor — a sign of upside momentum, though a pullback to the POC zone is a common reversion target.

Volume Profile computed from 252 trading days of OHLCV data. Volume allocated to price bins proportionally based on daily high-low range. Not investment advice.

Fails-to-Deliver (FTD) History

SEC-reported settlement failures. Elevated FTDs can indicate high short-selling pressure, operational settlement issues, or naked shorting activity.

DateFailed SharesClose PriceNotional Value
2026-05-0824$97.36$2,336.64
2026-04-173,330$97.40$324,342
2026-03-2776$91.96$6,988.96
2026-03-233$89.67$269.01
2026-03-175,690$90.53$515,115.7
2026-01-0977$98.32$7,570.64
2026-01-0244,817$94.11$4.2M
2025-12-261,272$96.25$122,430
2025-12-15230$96.08$22,098.4
2025-12-04415$91.66$38,038.9
2025-11-2640$89.93$3,597.2
2025-11-06341$87.98$30,001.18
2025-10-28543$90.43$49,103.49
2025-10-273,422$90.47$309,588.34
2025-10-2296$94.57$9,078.72

Source: SEC Regulation SHO FTD data. Data is reported with a ~30 day delay. High FTD quantities relative to average daily volume may indicate settlement stress.

Price Correlations

Statistical correlation of daily returns with other stocks. High correlations indicate stocks that move together; negative correlations can offer diversification.

Peer252-Day (1Y)126-Day (6M)Direction
WTGXXNaNNaN
AUB0.8780.909High co-movement
UMBF0.8700.867High co-movement
HWC0.8690.864High co-movement
ASB0.8690.863High co-movement
ONB0.8690.880High co-movement
FNB0.8610.845High co-movement
FULT0.8510.859High co-movement
ABCB0.8470.854High co-movement
WTFC0.8470.832High co-movement

Pearson correlation of daily log returns. 252d ≈ 1 trading year. Computed from price history. Not investment advice.

Compare SSB to Peers

Quant metrics computed deterministically from financial statements and price data. Updated: 2026-06-02.

SecuritiesDB provides programmatic data aggregation for informational purposes only. None of the metrics, summaries, or algorithmic flags constitute a recommendation to buy or sell any security.