Summit State Bank (SSBI)
NASDAQ:SSBI
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Summit State Bank
(NASDAQ:SSBI)
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Rating:65Neutral
Price Target:
$14.50
▲(20.83% Upside)
Action:Reiterated
Date:05/19/26
The score is primarily supported by improved profitability, strong recent cash generation, and a conservatively levered balance sheet. Offsetting this are a steep TTM revenue decline and only modest ROE, while technicals are mixed and valuation appears moderate based on the P/E.
Positive Factors
Conservative leverage / strong balance sheet
Extremely 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.
Negative Factors
Sharp revenue decline
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage / strong balance sheet
Extremely 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.
Read all positive factors
Summit State Bank (SSBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$90.53M
Dividend YieldN/A
Average Volume (3M)9.94K
Price to Earnings (P/E)13.4
Beta (1Y)0.09
Revenue Growth-5.51%
EPS GrowthN/A
CountryUS
Employees106
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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-2.28
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
64
Positive
Balance Sheet
78
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 58.71M | 58.82M | 62.03M | 65.06M | 56.16M | 46.43M |
| Gross Profit | 32.47M | 32.81M | 24.81M | 40.01M | 47.09M | 40.77M |
| EBITDA | 8.32M | 8.96M | -4.00M | 15.67M | 24.26M | 21.29M |
| Net Income | 5.98M | 6.80M | -4.19M | 10.82M | 16.97M | 14.70M |
Balance Sheet | ||||||
| Total Assets | 995.92M | 1.00B | 1.07B | 1.12B | 1.12B | 958.08M |
| Cash, Cash Equivalents and Short-Term Investments | 115.46M | 65.52M | 111.47M | 134.12M | 161.35M | 110.07M |
| Total Debt | 5.95M | 5.95M | 5.93M | 5.92M | 46.91M | 54.39M |
| Total Liabilities | 893.26M | 903.41M | 975.37M | 1.02B | 1.03B | 873.80M |
| Stockholders Equity | 102.66M | 101.17M | 91.72M | 97.68M | 88.55M | 84.28M |
Cash Flow | ||||||
| Free Cash Flow | 13.51M | 6.55M | 5.62M | -2.62M | 13.54M | 7.38M |
| Operating Cash Flow | 13.55M | 6.59M | 5.85M | -2.38M | 13.72M | 7.47M |
| Investing Cash Flow | 107.30M | 78.98M | 36.79M | -20.18M | -117.18M | -74.95M |
| Financing Cash Flow | -77.81M | -71.45M | -49.03M | 2.79M | 140.33M | 77.35M |
Summit State Bank Technical Analysis
Positive
12.00
Price Trends
13.49
Positive
13.29
Positive
12.41
Positive
Market Momentum
-0.02
Positive
50.53
Neutral
38.71
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 13.58, below the 50-day MA of 13.49, and below the 200-day MA of 12.41, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 50.53 is Neutral, neither overbought nor oversold. The STOCH value of 38.71 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $103.36M | 8.43 | 14.13% | 2.18% | 5.49% | 66.01% | |
72 Outperform | $88.52M | 11.25 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $90.53M | 13.45 | 5.95% | ― | -5.51% | ― | |
63 Neutral | $84.23M | 10.94 | 11.80% | 6.51% | 7.19% | 9.14% | |
48 Neutral | $91.19M | 3,217.02 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
SSBI
Summit State Bank
13.56
3.77
38.51%
BOTJ
Bank Of The Jame Financial
22.75
8.84
63.56%
UBCP
United Bancorp
14.57
1.80
14.08%
FUSB
First US Bancshares
15.90
3.11
24.35%
FNWB
First Northwest Bancorp
9.60
0.34
3.67%
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.