Summit Bank (SBKO) AI Stock Analysis

Summit Bank

(Other OTC:SBKO)

Select Model

Rating:73Outperform

Price Target:$28.00▲(9.80% Upside)

Action:reiterated

Date:09/06/26

The company's strong financial foundation, characterized by consistent revenue growth and a conservative balance sheet, is the primary driver of the score. A supportive technical trend adds to the positive outlook, though overbought signals warrant caution. An attractive P/E ratio further supports the valuation, but the lack of a dividend and recent margin pressure prevent a higher score.

Positive Factors

Improving Revenue GrowthThe return to strong revenue growth indicates improving demand for Summit Bank’s banking services and a healthier operating trajectory. Continued top-line expansion would support investment in lending capacity, technology, and customer relationships while providing a foundation for future earnings growth.

Negative Factors

Volatile Profit MarginsMargin volatility makes future earnings less predictable because profitability has changed materially across the reporting period. Sensitivity to the rate and credit cycle or to business mix could constrain earnings durability and make it harder for management to plan capital deployment consistently.

Summit Bank (SBKO) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $198.95M
Dividend Yield: ―
Average Volume (3M): 2,036
Price to Earnings (P/E): 11.4
Beta (1Y): 0.20
Revenue Growth: 1.96%
EPS Growth: 31.75%
Country: US
Employees: 2,936
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 depo...

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 on...

Summit Bank Financial Statement Overview

Summary

Strong overall financial health with robust revenue growth (21% CAGR) and a solid balance sheet (low leverage, growing equity). Cash flow generation is healthy with high-quality earnings. The score is tempered by recent net profit margin compression to 17.4%.

Income Statement

72Positive

Balance Sheet

85Very Positive

Cash Flow

78Positive

Financial statement breakdown
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	27.28M	19.80M	18.18M	12.44M	8.32M
Operating Cash Flow	0	27.28M	22.06M	22.09M	15.59M	11.30M
Investing Cash Flow	0	-46.93M	-121.57M	-185.00M	-135.05M	-113.93M
Financing Cash Flow	0	8.35M	159.04M	97.00M	62.78M	136.28M

Summit Bank Technical Analysis

Technical Analysis SentimentPositive

Last Price25.50

Price Trends

50DMA24.86Positive

100DMA23.99Positive

200DMA21.99Positive

Market Momentum

MACD0.26Negative

RSI60.85Neutral

STOCH79.49Neutral

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 25.50 is above the 20-day moving average (MA) of 24.77, above the 50-day MA of 24.86, and above the 200-day MA of 21.99, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 60.85 is Neutral, neither overbought nor oversold. The STOCH value of 79.49 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

SBKO against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	80Outperform	$192.94M	11.53	11.57%	2.04%	9.01%	26.10%
SBKO	73Outperform	$201.32M	11.38	13.31%	―	1.96%	31.75%
RBKB	71Outperform	$202.17M	14.69	6.49%	―	9.53%	103.97%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BSBK	57Neutral	$116.51M	42.66	1.34%	―	21.45%	―
SRBK	54Neutral	$134.47M	36.84	2.02%	1.17%	9.63%	37.01%

* Financial Sector Average

Performance Comparison

SBKO and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
SBKO	Summit Bank	25.50	8.98	54.36%
SBFG	SB Financial Group Inc	30.89	12.69	69.68%
RBKB	Rhinebeck Bancorp	12.93	5.78	80.94%
BSBK	Bogota Financial Corp.	9.13	0.46	5.31%
SRBK	SR Bancorp, Inc.	18.79	4.21	28.89%

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.

Date of analysis: Sep 06, 2026

Summit Bank AI Stock Analysis