Southern States Bancshares Inc (SSBK) — Cash Flow Quality Index
Southern States Bancshares Inc (SSBK) has a Cash Flow Quality Index of 0.93x as of March 2025. Operating cash flow of $9.61 Million is below net income of $10.35 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Southern States Bancshares Inc (SSBK) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Southern States Bancshares Inc Cash Flow Quality Index (2018–2024)
Historical Cash Flow Quality Index for Southern States Bancshares Inc across 7 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of Southern States Bancshares Inc.
Annual Cash Flow Quality Index for Southern States Bancshares Inc (2018–2024)
Year-by-year earnings quality comparison for Southern States Bancshares Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.13x | $39.46 Million | $34.87 Million | ▼ -8.1% |
| 2023 | 1.23x | $39.35 Million | $31.95 Million | ▼ -14.2% |
| 2022 | 1.44x | $38.87 Million | $27.07 Million | ▼ -10.3% |
| 2021 | 1.60x | $29.70 Million | $18.57 Million | ▲ +69.1% |
| 2020 | 0.95x | $11.45 Million | $12.11 Million | ▼ -51.9% |
| 2019 | 1.97x | $11.02 Million | $5.60 Million | ▲ +31.8% |
| 2018 | 1.49x | $11.52 Million | $7.71 Million | — |