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Summit State Bank (SSBI)
NASDAQ:SSBI
US Market
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Summit State Bank (SSBI) Stock Statistics & Valuation Metrics

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Total Valuation

Summit State Bank has a market cap or net worth of $81.72M. The enterprise value is $16.59M.
Market Cap$81.72M
Enterprise Value$16.59M

Share Statistics

Summit State Bank has 6,676,560 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding6,676,560
Owned by Insiders
Owned by Institutions5.23%

Financial Efficiency

Summit State Bank’s return on equity (ROE) is -0.05 and return on invested capital (ROIC) is -4.01%.
Return on Equity (ROE)-0.05
Return on Assets (ROA)>-0.01
Return on Invested Capital (ROIC)-4.01%
Return on Capital Employed (ROCE)-0.04
Revenue Per Employee585.19K
Profits Per Employee-39.56K
Employee Count106
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of {name} is {pe}. {name}’s PEG ratio is {priceToEarningsGrowthRatio}.
PE Ratio10.4
PS Ratio0.00
PB Ratio0.88
Price to Fair Value0.56
Price to FCF46.45
Price to Operating Cash Flow42.98
PEG Ratio-0.90

Income Statement

In the last 12 months, Summit State Bank had revenue of 62.03M and earned -4.19M in profits. Earnings per share was -0.62.
Revenue62.03M
Gross Profit24.81M
Operating Income-4.39M
Pretax Income-4.39M
Net Income-4.19M
EBITDA-4.00M
Earnings Per Share (EPS)-0.62

Cash Flow

In the last 12 months, operating cash flow was 1.95M and capital expenditures -161.00K, giving a free cash flow of 1.79M billion.
Operating Cash Flow1.95M
Free Cash Flow1.79M
Free Cash Flow per Share0.27

Dividends & Yields

Summit State Bank pays an annual dividend of $0.04, resulting in a dividend yield of 3.27%
Dividend Per Share$0.04
Dividend Yield3.27%
Payout Ratio-16.67%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.32
52-Week Price Change28.31%
50-Day Moving Average10.57
200-Day Moving Average8.58
Relative Strength Index (RSI)73.44
Average Volume (3m)18.20K

Important Dates

Summit State Bank upcoming earnings date is Oct 29, 2025, Before Open (Confirmed).
Last Earnings DateJul 29, 2025
Next Earnings DateOct 29, 2025
Ex-Dividend DateOct 03, 2024

Financial Position

Summit State Bank as a current ratio of 0.12, with Debt / Equity ratio of 6.23%
Current Ratio0.12
Quick Ratio0.12
Debt to Market Cap0.12
Net Debt to EBITDA11.38
Interest Coverage Ratio-0.15

Taxes

In the past 12 months, Summit State Bank has paid -195.00K in taxes.
Income Tax-195.00K
Effective Tax Rate0.04

Enterprise Valuation

Summit State Bank EV to EBITDA ratio is -1.48, with an EV/FCF ratio of 1.05.
EV to Sales0.10
EV to EBITDA-1.48
EV to Free Cash Flow1.05
EV to Operating Cash Flow1.01

Balance Sheet

Summit State Bank has $83.07M in cash and marketable securities with $5.94M in debt, giving a net cash position of -$77.13M billion.
Cash & Marketable Securities$83.07M
Total Debt$5.94M
Net Cash-$77.13M
Net Cash Per Share-$11.55
Tangible Book Value Per Share$13.66

Margins

Gross margin is 28.65%, with operating margin of -7.07%, and net profit margin of -6.76%.
Gross Margin28.65%
Operating Margin-7.07%
Pretax Margin-7.07%
Net Profit Margin-6.76%
EBITDA Margin-6.44%
EBIT Margin-7.07%

Analyst Forecast

The average price target for Summit State Bank is $9.50, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$9.50
Price Target Upside-21.49% Downside
Analyst ConsensusHold
Analyst Count0
Revenue Growth Forecast-0.03%
EPS Growth Forecast-126.57%

Scores

Smart Score5
AI Score58
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