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Summit State Bank
(NASDAQ:SSBI)
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Rating:53Neutral
Price Target:
$13.00
▼(-0.84% Downside)
Action:Reiterated
Date:08/18/26
The score is primarily supported by financial stability (low leverage) and currently strong TTM cash generation, but is held back by materially weaker and volatile profitability (sharp TTM revenue decline and margin compression). Secondary drags include weak technical momentum (below key moving averages and negative MACD) and a high P/E (38), which increases the hurdle for earnings recovery.
Positive Factors
Conservative Balance Sheet
Very low leverage and a sizable equity base provide financial flexibility and a cushion against earnings volatility. This conservative funding structure can support resilience and allow the bank to pursue opportunities without relying heavily on additional debt.
Negative Factors
Sharp Revenue Contraction
The severe TTM revenue decline signals a materially weaker operating run-rate and raises questions about the durability of the bank’s current income base. Sustained revenue weakness could constrain future earnings, capital generation, and investment capacity.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Very low leverage and a sizable equity base provide financial flexibility and a cushion against earnings volatility. This conservative funding structure can support resilience and allow the bank to pursue opportunities without relying heavily on additional debt.
Read all positive factors
Summit State Bank (SSBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$87.49M
Dividend YieldN/A
Average Volume (3M)9.94K
Price to Earnings (P/E)38.0
Beta (1Y)0.13
Revenue Growth-6.91%
EPS GrowthN/A
CountryUS
Employees103
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.34
Shares Outstanding6,771,526
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>-0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
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
Summit State Bank Business Overview & Revenue Model
Company Description
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 o...
How the Company Makes Money
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Summit State Bank Financial Statement Overview
Summary
Income Statement
48
Neutral
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 58.21M | 58.82M | 62.03M | 65.06M | 56.16M | 46.43M |
| Gross Profit | 27.29M | 32.81M | 24.81M | 40.01M | 47.09M | 40.77M |
| EBITDA | 3.22M | 9.34M | -4.00M | 15.67M | 24.26M | 21.29M |
| Net Income | 2.25M | 6.80M | -4.19M | 10.82M | 16.97M | 14.70M |
Balance Sheet | ||||||
| Total Assets | 959.78M | 1.00B | 1.07B | 1.12B | 1.12B | 958.08M |
| Cash, Cash Equivalents and Short-Term Investments | 112.55M | 65.52M | 111.47M | 134.12M | 161.35M | 110.07M |
| Total Debt | 5.96M | 5.95M | 5.93M | 5.92M | 46.91M | 54.39M |
| Total Liabilities | 858.43M | 903.41M | 975.37M | 1.02B | 1.03B | 873.80M |
| Stockholders Equity | 101.36M | 101.17M | 91.72M | 97.68M | 88.55M | 84.28M |
Cash Flow | ||||||
| Free Cash Flow | 17.75M | 6.55M | 5.62M | -2.62M | 13.54M | 7.38M |
| Operating Cash Flow | 17.96M | 6.59M | 5.85M | -2.38M | 13.72M | 7.47M |
| Investing Cash Flow | 104.66M | 78.98M | 36.79M | -20.18M | -117.18M | -74.95M |
| Financing Cash Flow | -76.47M | -71.45M | -49.03M | 2.79M | 140.33M | 77.35M |
Summit State Bank Technical Analysis
Negative
13.11
Price Trends
13.35
Negative
13.46
Negative
12.86
Positive
Market Momentum
-0.12
Negative
44.01
Neutral
16.69
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SSBI, the sentiment is Negative. The current price of 13.11 is above the 20-day moving average (MA) of 13.03, below the 50-day MA of 13.35, and above the 200-day MA of 12.86, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 44.01 is Neutral, neither overbought nor oversold. The STOCH value of 16.69 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SSBI.
Summit State Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $125.99M | 10.96 | 14.30% | 1.49% | 6.20% | 60.60% | |
68 Neutral | $90.77M | 12.21 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $87.64M | 10.76 | 11.53% | 5.92% | 6.21% | 8.32% | |
53 Neutral | $87.49M | 38.00 | 2.22% | ― | -6.91% | ― | |
46 Neutral | $108.43M | 71.38 | 0.96% | 0.59% | -6.12% | ― |
* Financial Sector Average
SSBI
Summit State Bank
12.92
1.12
9.49%
BOTJ
Bank Of The Jame Financial
27.51
13.56
97.25%
UBCP
United Bancorp
15.30
1.91
14.24%
FUSB
First US Bancshares
16.72
5.90
54.54%
FNWB
First Northwest Bancorp
11.40
3.25
39.88%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.