Summit State Bank (SSBI)
NASDAQ:SSBI
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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$9.40 - $14.00
Previous CloseN/A
Volume8.12K
Average Volume (3M)9.94K
Market Cap
$90.49M
Enterprise Value-$18.90M
Total Cash (Recent Filing)$115.46M
Total Debt (Recent Filing)$5.95M
Price to Earnings (P/E)15.3
Beta0.10
Next Earnings
Jul 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.89
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 Cap-0.21
Enterprise Value/Revenue-0.32
Enterprise Value/Gross Profit-0.58
Enterprise Value/Ebitda-2.27
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
Conservative Leverage / Strong Balance SheetExtremely low debt-to-equity (~0.06) and stable-to-rising equity since 2024 provide durable financial flexibility. This conservative capital structure reduces insolvency risk, supports lending capacity or strategic investment, and cushions earnings volatility over the medium term.
Improving Cash Generation / Strong Free Cash FlowMaterial improvement in operating and free cash flow, with FCF roughly tracking net income, signals higher earnings quality and internal funding ability. Reliable cash generation supports loan growth, capital maintenance, or shareholder distributions without relying on external funding.
Return To Profitability And Solid Operating MarginRecovery from a prior-year loss and a healthy ~13.9% EBIT margin show operational improvement and management execution. Sustained profitability even amid headwinds indicates the franchise can generate earnings and rebuild retained capital over the medium term.
Bears Say
Sharp Revenue DeclineA persistent and steep top-line decline (-~22% TTM) erodes the business base and limits scale benefits. Continued revenue contraction pressures future earnings, makes cost absorption harder, and raises the bar for sustainable growth absent clear recovery in core lending or fee businesses.
Modest Return On EquityA ~6% ROE indicates limited capital efficiency compared with prior double-digit levels. Lower ROE constrains shareholder returns and suggests the bank must either grow higher-margin assets or materially improve margins to restore long-term profitability per dollar of equity.
Cash Flow Volatility / Past Negative Cash FlowIntermittent negative cash flow despite reported earnings points to uneven cash conversion and timing risk. Such volatility complicates liquidity planning, can increase reliance on short-term funding in stress, and raises execution risk for sustained capital deployment.
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 $9.40 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 $90.49M.
When is Summit State Bank’s upcoming earnings report date?
Summit State Bank’s upcoming earnings report date is Jul 28, 2026 which is in 55 days.
How were Summit State Bank’s earnings last quarter?
Summit State Bank released its earnings results on Apr 28, 2026. The company reported $0.249 earnings per share for the quarter, beating the consensus estimate of N/A by $0.249.
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 $0.249 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.145%.
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
5.95%
Trailing 12-Months
Asset Growth
-6.34%
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
5.40% Mutual Funds
15.93% Other Institutional Investors
74.80% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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