SSB Bancorp, Inc.
Financials · Savings Institutions, Not Federally Chartered · MD · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY19 | FY18 | FY17 | FY16 | |
|---|---|---|---|---|
| Revenue | $167,511 | $143,236 | $96,503 | — |
| Operating income | — | — | — | — |
| Net income | $436,345 | $380,416 | $589,098 | $588,179 |
| Total assets | $202.6M | $188.8M | $171.9M | $141.3M |
| Total liabilities | $181.7M | $168.5M | $159.8M | $129.8M |
| Equity | $20.9M | $20.3M | $12.1M | $11.5M |
| EPS (diluted) | $0.20 | $0.18 | — | — |
| Shares out. | 2.2M | 2.2M | 2.2M | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2019- Operating margin
- —
- Net margin
- 260.5%
- Return on equity
- 2.1%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.7%
- Debt / equity
- 8.70×
- Book value / share
- $9.29
- Revenue growth (YoY)
- 16.9%
- Net income growth (YoY)
- 14.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2019- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Apr 2, 2018
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Moon Joseph Daniel IvOfficer — President and CEO | Nov 27, 2020 | Buy | 100 | $8.00 |
| Stires Peter F.Officer — VP of Comm Lending | Oct 28, 2020 | Grant | 2,300 | $0.00 |
| Moon Joseph Daniel IvOfficer — President and CEO | Sep 14, 2020 | Buy | 160 | $7.75 |
| Generett Gretchen GivensDirector | Jun 17, 2020 | Buy | 400 | $7.50 |
| Broadbent Kenneth J.Director | May 22, 2020 | Buy | 500 | $7.45 |
| Contrucci BenjaminOfficer — Chief Financial Officer | May 22, 2020 | Buy | 250 | $7.15 |
| Moon Joseph Daniel IvOfficer — President and CEO | May 15, 2020 | Buy | 130 | $7.47 |
| Contrucci BenjaminOfficer — Chief Financial Officer | Dec 12, 2019 | Buy | 247 | $8.10 |
| Moon Joseph Daniel IvOfficer — President and CEO | Dec 3, 2019 | Buy | 100 | $8.00 |
| Contrucci BenjaminOfficer — Chief Financial Officer | Nov 20, 2019 | Grant | 6,610 | $0.00 |
| Moon Joseph Daniel IvOfficer — President and CEO | Nov 20, 2019 | Grant | 11,016 | $0.00 |
| Joseph Mark C.Director | May 23, 2019 | Grant | 2,203 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Other material eventFeb 1, 2021
- Shareholder voteMay 22, 2020
- Prior financials not reliable (restatement)Aug 13, 2019
- Director / officer changeJun 4, 2019
- Shareholder voteMay 24, 2019
- Director / officer changeMay 9, 2019
- Changed auditorJun 18, 2018
- Changed auditorJun 12, 2018
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SC 13G/AFeb 1, 2022
- DEF 14AApr 15, 2021
- 15-12GFeb 12, 2021
- S-8 POSPOST-EFFECTIVE AMENDMENT NO. 1 TO THE REGISTRATION STATEMENTFeb 12, 2021
- 8-KFeb 1, 2021
- SC 13GFeb 1, 2021
- 4FORM 4Nov 30, 2020
- 10-QNov 13, 2020
- 4FORM 4Oct 30, 2020
- 4FORM 4Sep 14, 2020
- 10-QAug 13, 2020
- 11-KSSB BANCORP, INC. FORM 11-K DECEMBER 31, 2019Jun 19, 2020
- 4FORM 4Jun 18, 2020
- 4FORM 4Jun 1, 2020
- 4FORM 4May 26, 2020
Event-driven situations (1)
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