About SSB Bancorp, Inc. (SSBP) — Dividend Analysis 2026
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, 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. It serves customers through its main office and one branch office, which are located in Pittsburgh, Pennsylvania. The company was founded in 1922 and is based in Pittsburgh, Pennsylvania. SSB Bancorp, Inc. is a subsidiary of SSB Bancorp, MHC.
Is SSBP a good dividend investment in 2026?
SSBP offers a 15.05% forward yield with a 50% payout ratio. Strand Safety Score: 45/100 (Moderate Risk). The 5-year dividend CAGR of 0% is modest — investors should weigh current income against growth alternatives.
SSBP DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your SSBP portfolio grows to $11.86M vs $10.26M without reinvestment. This is the compound interest effect in action.
SSBP dividend growth history & forecast
SSBP has grown its dividend by 0% over the last year and 0% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 15.05%.
Company generates negative FCF ($-5M) — borrowing to pay dividends
Debt Leverage0.0× Debt/EBITDA
30 / 30 pts
30/30
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.0B → +0.0B → +0.0B
15 / 30 pts
15/30
Net income grew in the latest year — positive but trend is unconfirmed
OVERALL ASSESSMENT
Dividend at moderate risk — monitor coverage and debt closely.
STRAND SCORE
45
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 SSBP Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold SSBP.
Gross yield
15.05%
Tax rate
15.00%
After-tax yield
12.79%
Real yield (−CPI)
9.99%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
15.05%
12.25%
$1,505 / yr
🇺🇸 US Taxable (15%) ✓
15%
12.79%
9.99%
$1,279 / yr
🇺🇸 US Taxable (20%)
20%
12.04%
9.24%
$1,204 / yr
🇬🇧 UK ISA
0%
15.05%
12.25%
$1,505 / yr
🇬🇧 UK Taxable
8.75%
13.73%
10.93%
$1,373 / yr
🇨🇦 TFSA
0%
15.05%
12.25%
$1,505 / yr
🇨🇦 CA Taxable
25%
11.29%
8.49%
$1,129 / yr
🇦🇺 Super (pension)
15%
12.79%
9.99%
$1,279 / yr
🇦🇺 AU Taxable
30%
10.54%
7.74%
$1,054 / yr
🇩🇪 DE Taxable
26.375%
11.08%
8.28%
$1,108 / yr
🇫🇷 FR Taxable
30%
10.54%
7.74%
$1,054 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 SSBP Income Goal & Break-Even
Dividend Break-Even
8yr
Years for dividends to fully repay your SSBP investment of $13.29/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$14.1K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$11.7K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in SSBP for:
Shares needed
14,118
Capital required
$187,628
Monthly income
$2,000
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 SSBP Dividend Payment Schedule
SSBP pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$4.25 / payment
$17.00 / year after tax
100 shares
$42.50 / payment
$170.00 / year after tax
1,000 shares
$425.00 / payment
$1700.00 / year after tax
📊 SSBP vs Financial Services Benchmarks
How SSBP compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+12.15% vs sectorBetter
SSBP
15.05%
avg
2.90%
5Y Dividend CAGR▼-7.10% vs sectorBelow avg
SSBP
0.00%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
SSBP
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SSBP sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ SSBP Insider Activity
No recent SEC filings reported in the last 90 days.
🔬
Financial Health Scores
Altman Z-Score
0.22
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
4/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the SSBP dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →