Summit Bank (SBKO)
OTHER OTC:SBKO
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Summit Bank
(OTC:SBKO)
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Rating:72Outperform
Price Target:
$25.00
▲(35.50% 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
Conservative leverage and stronger equity base
A materially lower debt-to-equity (~0.19) and steadily built equity provide durable balance-sheet resilience, reducing solvency risk and improving capacity to absorb credit losses or fund growth without heavy reliance on market financing over the next several quarters.
Negative Factors
Margins and cash flows are volatile
Marked year-to-year swings in margins and cash flow reduce predictability of earnings and free cash flow, complicating capital planning and making future profitability and payout decisions more sensitive to credit and interest-rate cycles over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and stronger equity base
A materially lower debt-to-equity (~0.19) and steadily built equity provide durable balance-sheet resilience, reducing solvency risk and improving capacity to absorb credit losses or fund growth without heavy reliance on market financing over the next several quarters.
Read all positive factors
Summit Bank (SBKO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$168.26M
Dividend YieldN/A
Average Volume (3M)3.77K
Price to Earnings (P/E)10.7
Beta (1Y)0.09
Revenue Growth2.51%
EPS Growth34.17%
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.60
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 Cap0.02
Enterprise Value/Revenue0.05
Enterprise Value/Gross Profit0.08
Enterprise Value/Ebitda0.22
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. operates as the bank holding company for Summit Bank that provides commercial banking, financing, real estate lending, and other services to personal and business customers in the United States. The company accepts various ...
How the Company Makes Money
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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 | 74.07M | 82.55M | 44.59M | 38.02M | 39.34M | 36.34M |
| Gross Profit | 47.59M | 51.99M | 44.59M | 38.02M | 39.34M | 35.13M |
| EBITDA | 16.59M | 19.46M | 0.00 | 12.86M | 18.56M | 15.11M |
| Net Income | 12.44M | 14.37M | 11.31M | 8.92M | 13.55M | 10.87M |
Balance Sheet | ||||||
| Total Assets | 1.25B | 1.28B | 1.25B | 1.08B | 971.41M | 904.28M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 118.64M | 133.93M | 92.92M | 140.32M | 196.99M |
| Total Debt | 18.50M | 23.50M | 18.48M | 58.64M | 21.76M | 21.39M |
| Total Liabilities | 1.13B | 1.16B | 1.15B | 985.10M | 886.79M | 830.07M |
| Stockholders Equity | 115.79M | 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
18.45
Price Trends
20.24
Positive
19.92
Positive
18.28
Positive
Market Momentum
0.43
Negative
64.37
Neutral
56.68
Neutral
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 18.45 is below the 20-day moving average (MA) of 20.99, below the 50-day MA of 20.24, and above the 200-day MA of 18.28, indicating a bullish trend. The MACD of 0.43 indicates Negative momentum. The RSI at 64.37 is Neutral, neither overbought nor oversold. The STOCH value of 56.68 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $138.68M | 8.59 | 11.60% | 2.69% | 12.40% | 50.07% | |
72 Outperform | $168.26M | 10.66 | 13.54% | ― | 2.51% | 34.17% | |
70 Outperform | $137.13M | 15.61 | 6.95% | ― | 4.88% | 53.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $182.41M | 17.81 | 7.42% | ― | 36.10% | ― | |
66 Neutral | $136.00M | 29.88 | 2.44% | 0.88% | 15.21% | 2015.08% | |
54 Neutral | $114.53M | 54.49 | 1.50% | ― | 23.30% | ― |
* Financial Sector Average
SBKO
Summit Bank
21.82
7.82
55.86%
SBFG
SB Financial Group
22.22
4.51
25.49%
AFBI
Affinity Bancshares
22.50
4.43
24.52%
RBKB
Rhinebeck Bancorp
16.38
4.65
39.64%
BSBK
Bogota Financial
8.93
1.78
24.90%
SRBK
SR Bancorp, Inc.
18.72
5.79
44.81%
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.