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SSB Bancorp, Inc. (SSBP)
USD17.25
+0.35 (+2.07%)
US OTC Financial Services Banks - Regional
Address
8700 Perry Highway 15237
Pittsburgh, PA, US
Pittsburgh, PA, US
CEO
J. Daniel Moon
Website
ssbpgh.com
IPO
2018-01-26
CIK 1716188 ISIN US7846701016
Description
As the parent organization of SSB Bank, SSB Bancorp, Inc. delivers a range of financial offerings to both individual and business clients throughout Pennsylvania. The bank's core deposit options encompass traditional passbook savings, checking, money market, and various demand accounts (both interest-bearing and non-interest-bearing), along with time deposits and certificates of deposit. Its lending portfolio features diverse offerings such as mortgages for single to four-unit residential properties, commercial and multi-family real estate financing, construction funding, commercial and industrial loans, consumer credit, and home equity lines of credit. Beyond traditional banking, the institution also provides credit card processing solutions and convenient online banking access. Customers are served from its central office and a single branch, both situated in Pittsburgh, Pennsylvania. Established in 1922, the company maintains its headquarters in Pittsburgh, Pennsylvania, and operates as a subsidiary under the umbrella of SSB Bancorp, MHC.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD17.25
+0.35 (+2.07%)
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Volume Profile
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Liquidity & share structure
Average Volume
622
Beta
0.44
Float Shares
891.8K
Free Float %
40.8%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.13% | +6.38% | +13.55% | +44.76% | +21.93% | +77.89% | +101.38% | +60.10% | +69.42% | +69.42% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
17.25
DCF (Unlevered)
8.20
-52.4%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Quality scores
Altman Z-Score
-0.46
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
-
Revenue growth+16.4% Q1'26: +16.1% (vs Q1'25)
-
EPS growth+27.3% Q1'26: +127.8% (vs Q1'25)
-
FCF margin— Q1'26: +0.0% (vs Q1'25)
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EBIT margin— Q1'26: +20.1% (vs Q1'25)
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ROIC— Q1'26: -4.3% (vs Q1'25)
-
Share dilution-0.4% Q1'26: +0.9% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.45× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
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Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-18 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-15 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-14 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-13 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-01 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
1.18M
OE per share TTM
0.55
Owner's Yield
3.46%
Maintenance CapEx ratio
78.14%
Maint CapEx / Avg PPE
33.8%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
4
Beneficial owners (>5%)
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | SSB Bancorp, MHC | 1.24M | 55.00% | 1.24M | — | 1.24M | 10.00 | HC | Pennsylvania | 2018-01-25 | ↗ |
| 2 | Joseph Stilwell | 116.1K | 5.09% | — | 116.1K | — | 116.1K | IN | Delaware | 2021-02-01 | ↗ |
| 3 | Stilwell Partners, L.P. | 116.1K | 5.09% | — | 116.1K | — | 116.1K | PN | Delaware | 2021-02-01 | ↗ |
| 4 | Stilwell Value LLC | 116.1K | 5.09% | — | 116.1K | — | 116.1K | OO | Delaware | 2021-02-01 | ↗ |
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
3
Sells
0
Shares acquired
9.1K
Shares disposed
—
Cash buys
1.00
Cash sales
—
Net activity
+9,100
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2020-11-27 | Moon Joseph Daniel IV | Director / Officer | P-Purchase | A | Common Stock | 100 | 8.00 | 800.00 | 11,575 | — | ↗ |
| 2020-10-28 | Stires Peter F. | Officer | A-Award | A | Stock Options | 6,700 | 7.50 | 50.3K | 6,700 | — | ↗ |
| 2020-09-14 | Moon Joseph Daniel IV | Director / Officer | P-Purchase | A | Common Stock | 160 | 7.75 | 1.2K | 11,475 | — | ↗ |
| 2020-06-17 | Generett Gretchen Givens | Director | P-Purchase | A | Common Stock | 400 | 7.50 | 3.0K | 7,603 | — | ↗ |
| 2020-05-22 | Contrucci Benjamin | Officer | P-Purchase | A | Common Stock | 250 | 7.15 | 1.8K | 6,860 | — | ↗ |
| 2020-05-22 | Broadbent Kenneth J. | Director | P-Purchase | A | Common Stock | 500 | 7.45 | 3.7K | 22,703 | — | ↗ |
| 2020-05-15 | Moon Joseph Daniel IV | Director / Officer | P-Purchase | A | Common Stock | 130 | 7.48 | 971.75 | 11,315 | — | ↗ |
| 2019-12-12 | Contrucci Benjamin | Officer | P-Purchase | A | Common Stock | 247 | 8.10 | 2.0K | 8,339 | — | ↗ |
| 2019-12-03 | Moon Joseph Daniel IV | Director / Officer | P-Purchase | A | Common Stock | 100 | 8.00 | 800.00 | 11,185 | — | ↗ |
| 2019-11-20 | Moon Joseph Daniel IV | Director / Officer | A-Award | A | Stock Options | 27,541 | 7.60 | 209.3K | 27,541 | — | ↗ |
| 2019-11-20 | Contrucci Benjamin | Officer | A-Award | A | Stock Options | 16,525 | 7.60 | 125.6K | 16,525 | — | ↗ |
| 2019-10-23 | Stires Peter F. | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2019-05-23 | Simons Bernie M. | Director | A-Award | A | Common Stock | 2,203 | 0.00 | — | 22,203 | — | ↗ |
| 2019-05-23 | Joseph Mark C. | Director | A-Award | A | Common Stock | 2,203 | 0.00 | — | 22,203 | — | ↗ |
| 2019-05-23 | Generett Gretchen Givens | Director | A-Award | A | Common Stock | 2,203 | 0.00 | — | 7,203 | — | ↗ |
| 2019-05-23 | Docchio David H. Jr. | Director | A-Award | A | Common Stock | 2,203 | 0.00 | — | 15,303 | — | ↗ |
| 2019-05-23 | Broadbent Kenneth J. | Director | A-Award | A | Stock Options | 5,508 | 8.35 | 46.0K | 5,508 | — | ↗ |
| 2018-05-29 | Contrucci Benjamin | Officer | P-Purchase | A | Common Stock | 875 | 9.34 | 8.2K | 8,092 | — | ↗ |
| 2018-05-25 | Contrucci Benjamin | Officer | P-Purchase | A | Common Stock | 2,000 | 9.30 | 18.6K | 2,000 | — | ↗ |
| 2018-01-24 | Simons Bernie M. | Director | P-Purchase | A | Common Stock | 20,000 | 10.00 | 200.0K | 20,000 | — | ↗ |
| 2018-01-24 | SSB Bancorp, MHC | 10% Owner | — | D | Common Stock | 0 | 0.00 | — | 1,236,538 | — | ↗ |
| 2018-01-24 | Moon Joseph Daniel IV | Director / Officer | P-Purchase | A | Common Stock | 69 | 10.00 | 690.00 | 69 | — | ↗ |
| 2018-01-24 | Joseph Mark C. | Director | P-Purchase | A | Common Stock | 20,000 | 10.00 | 200.0K | 20,000 | — | ↗ |
| 2018-01-24 | Harris Jennifer R. | Officer | P-Purchase | A | Common Stock | 2,818 | 10.00 | 28.2K | 2,818 | — | ↗ |
| 2018-01-24 | Generett Gretchen Givens | Director | P-Purchase | A | Common Stock | 5,000 | 10.00 | 50.0K | 5,000 | — | ↗ |
| 2018-01-24 | Docchio David H. Jr. | Director | P-Purchase | A | Common Stock | 6,900 | 10.00 | 69.0K | 6,900 | — | ↗ |
| 2018-01-24 | Broadbent Kenneth J. | Director | P-Purchase | A | Common Stock | 20,000 | 10.00 | 200.0K | 20,000 | — | ↗ |
| 2018-01-23 | Simons Bernie M. | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2018-01-23 | Moon Joseph Daniel IV | Director / Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2018-01-23 | Joseph Mark C. | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2018-01-23 | Harris Jennifer R. | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2018-01-23 | Generett Gretchen Givens | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2018-01-23 | Docchio David H. Jr. | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2018-01-23 | Contrucci Benjamin | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2018-01-23 | Broadbent Kenneth J. | Director | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
Executive team
Top executives
EBIT / Employee
150.8K
Shares Outstanding
2.19M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2020 | J. Daniel Moon, IV President and Chief Executive Officer | 257.9K | 35.0K | — | — | — | 31.4K | 324.3K | 0.00% | ↗ |
| 2 | 2020 | Benjamin Contrucci Chief Financial Officer | 184.5K | 27.5K | — | — | — | 18.8K | 230.8K | 0.00% | ↗ |
| 3 | 2020 | Peter F. Stires Vice President of Commercial Lending | 127.6K | 15.0K | 17.3K | 13.1K | — | 8.2K | 181.2K | 16.77% | ↗ |
| 4 | 2019 | J. Daniel Moon, IV President and Chief Executive Officer | 244.1K | 25.0K | 83.8K | 25.9K | — | 21.6K | 400.4K | 27.39% | ↗ |
| 5 | 2019 | Benjamin Contrucci Chief Financial Officer | 174.2K | 20.0K | 50.2K | 15.5K | — | 7.8K | 267.7K | 24.57% | ↗ |
| 6 | 2019 | Jennifer Harris Former Chief Lending Officer | 64.0K | — | — | — | — | 91.7K | 155.7K | 0.00% | ↗ |
| 7 | 2019 | Peter F. Stires Vice President of Commercial Lending | 103.8K | 13.0K | — | — | — | 4.2K | 121.0K | 0.00% | ↗ |
| 8 | 2018 | J. Daniel Moon, IV President and Chief Executive Officer | 236.6K | 17.5K | — | — | — | 26.2K | 280.3K | 0.00% | ↗ |
| 9 | 2018 | Benjamin Contrucci Chief Financial Officer | 157.8K | 12.0K | — | — | — | 6.7K | 176.5K | 0.00% | ↗ |
| 10 | 2018 | Jennifer Harris Chief Lending Officer | 150.7K | — | — | — | — | 6.0K | 156.7K | 0.00% | ↗ |
| 11 | 2018 | Jennifer Harris Former Chief Lending Officer | 150.6K | — | — | — | — | 6.0K | 156.7K | 0.00% | ↗ |
| 12 | 2017 | J. Daniel Moon, IV President, Chief Executive Officer and Chief Financial Officer | 224.7K | 25.0K | — | — | — | 24.2K | 273.9K | 0.00% | ↗ |
| 13 | 2017 | J. Daniel Moon, IV President and Chief Executive Officer | 224.7K | 25.0K | — | — | — | 24.2K | 273.9K | 0.00% | ↗ |
| 14 | 2017 | Jennifer Harris Chief Lending Officer | 130.1K | 13.5K | — | — | — | 6.5K | 150.1K | 0.00% | ↗ |
| 15 | 2016 | J. Daniel Moon, IV President, Chief Executive Officer and Chief Financial Officer | 213.7K | 25.0K | — | — | — | 19.6K | 258.3K | 0.00% | ↗ |
| 16 | 2016 | Jennifer Harris Chief Lending Officer | 116.7K | 13.5K | — | — | — | 4.7K | 134.9K | 0.00% | ↗ |
CEO compensation breakdown
Proxy statements
Proxy statements (DEF 14A)
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| J. Daniel Moon | President, Chief Executive Officer & Director | 324.3K | male |
| Benjamin A. Contrucci | Chief Financial Officer | 230.8K | male |
| Frances Ann Amorose | Corporate Secretary | — | female |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for SSBP
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
