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Summit Bank
(OTC:SBKO)
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Rating:72Outperform
Price Target:
$28.00
▲(22.11% Upside)
Action:Upgraded
Date:06/03/26
The score is driven primarily by solid financial performance (growth, profitability, healthier leverage) and a reasonable P/E valuation. Technicals are supportive via a strong uptrend, but overbought momentum signals temper the overall rating due to elevated near-term pullback risk.
Positive Factors
Revenue Growth
The renewed top-line expansion indicates improving demand for Summit Bank’s lending and banking services. Sustained revenue growth can strengthen operating leverage and support earnings over the next several quarters if credit quality remains controlled.
Negative Factors
Margin Volatility
The decline from earlier peak margins suggests profitability remains sensitive to interest-rate conditions, funding costs, credit provisions, and business mix. This variability may limit the durability of earnings growth even if revenue continues expanding.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The renewed top-line expansion indicates improving demand for Summit Bank’s lending and banking services. Sustained revenue growth can strengthen operating leverage and support earnings over the next several quarters if credit quality remains controlled.
Read all positive factors
Summit Bank (SBKO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$195.79M
Dividend YieldN/A
Average Volume (3M)3.77K
Price to Earnings (P/E)11.8
Beta (1Y)0.19
Revenue Growth2.43%
EPS Growth34.46%
CountryUS
Employees2,936
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.05
Shares Outstanding7,754,000
10 Day Avg. Volume4,095
30 Day Avg. Volume3,765
Financial Highlights & Ratios
PEG Ratio0.38
Price to Book (P/B)1.12
Price to Sales (P/S)1.69
P/FCF Ratio5.11
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 Bank Business Overview & Revenue Model
Company Description
Summit Bank Group, Inc., together with its subsidiaries, commercial banking, financing, real estate lending, and other services in Lane, Deschutes, Multnomah, and Washington counties in Oregon. It accepts various deposit products; certificate of d...
How the Company Makes Money
Summit Bank primarily makes money through traditional banking activities. The core earnings driver is net interest income: the bank pays interest on funding sources (primarily customer deposits and, as needed, other borrowings) and earns interest ...
Summit Bank Financial Statement Overview
Summary
Income Statement
74
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 | 75.17M | 82.55M | 44.59M | 38.02M | 39.34M | 36.34M |
| Gross Profit | 54.76M | 51.99M | 44.59M | 38.02M | 39.34M | 35.13M |
| EBITDA | 21.71M | 19.46M | 15.89M | 12.86M | 18.56M | 15.11M |
| Net Income | 16.00M | 14.37M | 11.31M | 8.92M | 13.55M | 10.87M |
Balance Sheet | ||||||
| Total Assets | 1.35B | 1.28B | 1.25B | 1.08B | 971.41M | 904.28M |
| Cash, Cash Equivalents and Short-Term Investments | 177.68M | 118.64M | 133.93M | 92.92M | 140.32M | 196.99M |
| Total Debt | 18.53M | 23.50M | 18.48M | 58.64M | 21.76M | 21.39M |
| Total Liabilities | 1.22B | 1.16B | 1.15B | 985.10M | 886.79M | 830.07M |
| Stockholders Equity | 129.38M | 124.61M | 108.73M | 95.66M | 84.62M | 74.21M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 27.28M | 19.80M | 18.18M | 12.44M | 8.32M |
| Operating Cash Flow | 0.00 | 27.28M | 22.06M | 22.09M | 15.59M | 11.30M |
| Investing Cash Flow | 0.00 | -46.93M | -121.57M | -185.00M | -135.05M | -113.93M |
| Financing Cash Flow | 0.00 | 8.35M | 159.04M | 97.00M | 62.78M | 136.28M |
Summit Bank Technical Analysis
Positive
22.93
Price Trends
23.40
Positive
21.96
Positive
20.28
Positive
Market Momentum
0.60
Positive
61.62
Neutral
86.67
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SBKO, the sentiment is Positive. The current price of 22.93 is below the 20-day moving average (MA) of 24.99, below the 50-day MA of 23.40, and above the 200-day MA of 20.28, indicating a bullish trend. The MACD of 0.60 indicates Positive momentum. The RSI at 61.62 is Neutral, neither overbought nor oversold. The STOCH value of 86.67 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SBKO.
Summit Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $169.21M | 10.28 | 11.79% | 2.42% | 9.50% | 46.27% | |
72 Outperform | $195.79M | 11.81 | 13.54% | ― | 2.43% | 34.46% | |
71 Outperform | $199.83M | 13.73 | 7.20% | ― | 34.21% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $144.15M | 43.25 | 1.80% | 1.10% | 6.46% | 1.90% | |
57 Neutral | $118.81M | 43.93 | 1.47% | ― | 21.45% | ― |
* Financial Sector Average
SBKO
Summit Bank
25.50
9.93
63.78%
SBFG
SB Financial Group
27.55
6.93
33.63%
RBKB
Rhinebeck Bancorp
12.63
3.03
31.60%
BSBK
Bogota Financial
9.23
<0.01
0.05%
SRBK
SR Bancorp, Inc.
19.39
4.43
29.61%
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.