Summit State Bank (SSBI) AI Stock Analysis

• Market Cap: $89.27M
• Dividend Yield: N/A
• Average Volume (3M): 9.94K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.10
• Revenue Growth: -0.81%
• EPS Growth: -129.22%
• Country: US
• Employees: 106
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.16
• Shares Outstanding: 6,676,560
• 10 Day Avg. Volume: 8,791
• 30 Day Avg. Volume: 9,941
• PEG Ratio: -0.04
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 1.33
• P/FCF Ratio: 11.95
• Enterprise Value/Market Cap: 0.33
• Enterprise Value/Revenue: 0.50
• Enterprise Value/Gross Profit: 0.90
• Enterprise Value/Ebitda: 3.21
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $14.50 ▲(20.83% Upside)
• Action: Reiterated Date: 03/28/26
• Date: Action: Reiterated 03/28/26

The score is driven primarily by improved financial resilience (notably lower leverage) and solid recent cash generation, tempered by the last two years of revenue decline and profit volatility. Technicals are broadly neutral with a modestly constructive longer-term trend but weak near-term momentum, while valuation appears reasonable on P/E but lacks dividend-yield support.

Positive Factors

Balance-sheet strength

A 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.

Negative Factors

Revenue decline trend

Consecutive 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.

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...

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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

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	58.82M	62.03M	65.06M	56.16M	46.43M
Gross Profit	32.81M	24.81M	40.01M	47.09M	40.77M
EBITDA	8.96M	-4.00M	15.67M	24.26M	21.29M
Net Income	6.80M	-4.19M	10.82M	16.97M	14.70M
Balance Sheet
Total Assets	1.00B	1.07B	1.12B	1.12B	958.08M
Cash, Cash Equivalents and Short-Term Investments	65.52M	111.47M	134.12M	161.35M	110.07M
Total Debt	5.95M	5.93M	5.92M	46.91M	54.39M
Total Liabilities	903.41M	975.37M	1.02B	1.03B	873.80M
Stockholders Equity	101.17M	91.72M	97.68M	88.55M	84.28M
Cash Flow
Free Cash Flow	6.55M	5.62M	-2.62M	13.54M	7.38M
Operating Cash Flow	6.59M	5.85M	-2.38M	13.72M	7.47M
Investing Cash Flow	78.98M	36.79M	-20.18M	-117.18M	-74.95M
Financing Cash Flow	-71.45M	-49.03M	2.79M	140.33M	77.35M

Summit State Bank Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 12.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SSBI, the sentiment is Positive. The current price of 12 is below the 20-day moving average (MA) of 13.11, below the 50-day MA of 13.37, and above the 200-day MA of 11.95, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 54.72 is Neutral, neither overbought nor oversold. The STOCH value of 71.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SSBI.

Summit State Bank Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	78 Outperform	$93.59M	9.36	12.15%	2.18%	6.17%	-6.13%
SSBI	68 Neutral	$89.27M	11.51	6.89%	―	-0.81%	-129.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UBCP	66 Neutral	$87.56M	10.17	12.01%	6.51%	6.31%	-5.00%
FUSB	65 Neutral	$86.45M	13.56	5.80%	2.08%	1.03%	-35.72%
FNWB	46 Neutral	$82.03M	-21.37	-2.76%	2.88%	8.02%	21.36%