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GDL vs SSBI

GDL
The GDL Fund
BEARISH
Price
$8.45
Market Cap
$92.3M
Sector
Financial Services
AI Confidence
85%
SSBI
Summit State Bank
NEUTRAL
Price
$13.73
Market Cap
$93.0M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
GDL
12.07
SSBI
13.59
Forward P/E
GDL
--
SSBI
--
P/B Ratio
GDL
--
SSBI
0.92
P/S Ratio
GDL
--
SSBI
2.83
EV/EBITDA
GDL
--
SSBI
--

Profitability

Gross Margin
GDL
0.0%
SSBI
0.0%
Operating Margin
GDL
0.0%
SSBI
19.05%
Profit Margin
GDL
0.0%
SSBI
20.71%
ROE
GDL
--
SSBI
7.05%
ROA
GDL
--
SSBI
0.66%

Growth

Revenue Growth
GDL
--
SSBI
327.5%
Earnings Growth
GDL
--
SSBI
--

Financial Health

Debt/Equity
GDL
--
SSBI
--
Current Ratio
GDL
--
SSBI
--
Quick Ratio
GDL
--
SSBI
--

Dividends

Dividend Yield
GDL
5.68%
SSBI
--
Payout Ratio
GDL
68.57%
SSBI
0.0%

AI Verdict

GDL BEARISH

The GDL Fund exhibits severe fundamental weakness, highlighted by a critical Piotroski F-Score of 1/9, indicating poor financial health. The stock is trading at a significant premium of approximately 72% over its growth-based intrinsic value of $4.90. Despite a low P/E ratio relative to the sector, the company reports 0.00% across all margin metrics, suggesting a lack of operational profitability. Combined with bearish insider sentiment and a flat technical trend, the current valuation is unsustainable.

Strengths
Low P/E ratio (12.07) compared to the financial services sector average (38.31)
Positive long-term price performance (5Y Change: +26.4%)
Attractive dividend yield of 5.68%
Risks
Critical financial health failure indicated by Piotroski F-Score of 1/9
Significant overvaluation relative to intrinsic value ($8.45 vs $4.90)
Zero percent profit, operating, and gross margins
SSBI NEUTRAL

SSBI presents a contradictory profile characterized by a weak Piotroski F-Score of 3/9, indicating poor financial health, and a missing Altman Z-Score. While the stock trades below its Graham Number ($18.43) and Book Value (P/B 0.92), it is significantly overpriced relative to its growth-based Intrinsic Value of $7.07. Massive YoY revenue growth (327.5%) suggests a non-organic event or accounting shift, while a bearish technical trend (10/100) and low ROA (0.66%) signal underlying instability. The valuation is attractive from a defensive standpoint, but the fundamental health is concerning.

Strengths
Trading below book value (P/B 0.92)
Current price is below the Graham Number ($18.43)
Low P/E ratio (13.59) relative to sector average (43.17)
Risks
Weak financial health as indicated by Piotroski F-Score (3/9)
Significant gap between current price ($13.73) and intrinsic value ($7.07)
Extremely low ROA (0.66%) for a regional bank

Compare Another Pair

GDL vs SSBI: Head-to-Head Comparison

This page compares The GDL Fund (GDL) and Summit State Bank (SSBI) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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