Summit State Bank (SSBI)
NASDAQ:SSBI
SSBI Stock Chart & Stats
$12.00
-$0.22(-2.90%)
At close: 4:00 PM EST
$12.00
-$0.22(-2.90%)
Day’s Range― - ―
52-Week Range$7.50 - $14.00
Previous CloseN/A
Volume8.12K
Average Volume (3M)9.94K
Market Cap
$87.86M
Enterprise Value$28.29M
Total Cash (Recent Filing)$65.52M
Total Debt (Recent Filing)$5.95M
Price to Earnings (P/E)11.5
Beta0.10
Next Earnings
Apr 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.16
Shares Outstanding6,676,560
10 Day Avg. Volume8,791
30 Day Avg. Volume9,941
Financial Highlights & Ratios
PEG Ratio-0.04
Price to Book (P/B)0.77
Price to Sales (P/S)1.33
P/FCF Ratio11.95
Enterprise Value/Market Cap0.32
Enterprise Value/Revenue0.48
Enterprise Value/Gross Profit0.86
Enterprise Value/Ebitda3.06
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Balance-sheet StrengthA materially lower debt-to-equity ratio and built equity provide durable solvency and capital flexibility. This conservative capital structure reduces refinancing and interest rate risk, supports lending capacity or reserve buffers, and improves resilience through economic cycles.
Consistent Recent Cash GenerationSustained positive operating and free cash flow in the last two years indicates the business can internally fund operations and modest investments. Reliable cash conversion supports deleveraging, liquidity cushions, and the ability to finance strategic priorities without immediate capital raises.
Return To ProfitabilityRebounding margins and restored returns on capital demonstrate operational recovery and management’s ability to control costs or repricing. This improves sustainable earnings capacity and the potential to generate shareholder returns if margins persist across business cycles.
Bears Say
Revenue Decline TrendConsecutive yearly revenue declines signal weakening top-line momentum and potential market share loss or muted demand. Persistent revenue contraction constrains long-term earnings power, limits scale benefits, and heightens dependence on margin improvement to drive profits.
Profitability VolatilityHigh year-to-year earnings variability undermines earnings predictability and complicates capital planning. Volatility increases the risk premium for lenders and investors, making investment, dividend, and hiring decisions harder to commit to over the medium term.
Inconsistent Cash ConversionHistoric swings in operating and free cash flow reduce reliability of internal funding during stress periods. If cash conversion reverts, the bank may need external funding or asset sales to cover commitments, limiting strategic flexibility and increasing liquidity risk.
Summit State Bank News
SSBI FAQ
What was Summit State Bank’s price range in the past 12 months?
Summit State Bank lowest stock price was $7.50 and its highest was $14.00 in the past 12 months.
What is Summit State Bank’s market cap?
Summit State Bank’s market cap is $87.86M.
When is Summit State Bank’s upcoming earnings report date?
Summit State Bank’s upcoming earnings report date is Apr 28, 2026 which is in 26 days.
How were Summit State Bank’s earnings last quarter?
Summit State Bank released its earnings results on Jan 27, 2026. The company reported $0.158 earnings per share for the quarter, beating the consensus estimate of N/A by $0.158.
Is Summit State Bank overvalued?
According to Wall Street analysts Summit State Bank’s price is currently Overvalued.
Does Summit State Bank pay dividends?
Summit State Bank pays a Quarterly dividend of $0.04 which represents an annual dividend yield of N/A. See more information on Summit State Bank dividends here
What is Summit State Bank’s EPS estimate?
Summit State Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Summit State Bank have?
Summit State Bank has 6,676,560 shares outstanding.
What happened to Summit State Bank’s price movement after its last earnings report?
Summit State Bank reported an EPS of $0.158 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.178%.
Which hedge fund is a major shareholder of Summit State Bank?
Currently, no hedge funds are holding shares in SSBI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Summit State Bank Stock Smart Score
Neutral
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Technicals
SMA
Positive
20 days / 200 days
Momentum
45.94%
12-Months-Change
Fundamentals
Return on Equity
6.89%
Trailing 12-Months
Asset Growth
-6.14%
Trailing 12-Months
Company Description
Summit State Bank
Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, individual retirement, and other retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and lines of credit, term, and equipment loans, as well as loans to agriculture-related businesses. In addition, the company provides Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it offers electronic banking, cash management, and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California, Irvine, and Scottsdale, Arizona. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.
Technical Analysis
Bank Of The Jame Financial
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United Bancorp
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First US Bancshares
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First Northwest Bancorp
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Ownership Overview
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Insiders
5.31% Mutual Funds
16.13% Other Institutional Investors
74.76% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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