Summit Bank (SBKO) AI Stock Analysis

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Summit Bank

(Other OTC:SBKO)

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Rating:83Outperform

Price Target:$30.00▲(16.73% Upside)

Action:reiterated

Date:11/06/26

Summit Bank's strong score is driven primarily by its outstanding financial health, highlighted by robust revenue growth, low debt reliance, and superb cash flow conversion. A solid bullish technical setup and an attractive valuation multiple further bolster its position, offsetting minor headwinds like recent margin compression and the absence of a dividend.

Positive Factors

Improving Revenue GrowthThe return to strong revenue growth indicates improving demand for Summit Bank’s commercial, consumer, and deposit-related services. Sustained top-line expansion can support operating leverage, reinforce the bank’s market position, and provide a broader base for future earnings growth.

Negative Factors

Margin VolatilityAlthough current profitability remains solid, the multi-year decline and volatility in margins indicate that earnings power is not fully stable. Such variability can make results more sensitive to changes in business mix and the rate or credit cycle, reducing confidence in consistent profit expansion.

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

Market Cap: $200.51M
Dividend Yield: ―
Average Volume (3M): 2,209
Price to Earnings (P/E): 11.5
Beta (1Y): 0.19
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 revenue growth, a highly capitalized balance sheet with conservative leverage, and exceptional cash conversion offset recent minor margin compression.

Income Statement

82Very Positive

Balance Sheet

86Very Positive

Cash Flow

92Very Positive

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 Price25.70

Price Trends

50DMA24.97Positive

100DMA24.37Positive

200DMA22.33Positive

Market Momentum

MACD0.27Positive

RSI60.28Neutral

STOCH56.19Neutral

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 25.70 is above the 20-day moving average (MA) of 25.49, above the 50-day MA of 24.97, and above the 200-day MA of 22.33, indicating a bullish trend. The MACD of 0.27 indicates Positive momentum. The RSI at 60.28 is Neutral, neither overbought nor oversold. The STOCH value of 56.19 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
SBKO	83Outperform	$202.90M	11.47	13.31%	―	1.96%	31.75%
RBKB	75Outperform	$204.05M	14.83	6.49%	―	9.53%	104.84%
SBFG	72Outperform	$185.88M	11.10	11.57%	2.15%	8.90%	26.03%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	63Neutral	$133.56M	37.23	2.02%	1.16%	9.63%	37.01%
BSBK	57Neutral	$119.75M	43.86	1.84%	―	20.94%	444.24%

* Financial Sector Average

Performance Comparison

SBKO and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
SBKO	Summit Bank	25.70	9.10	54.82%
SBFG	SB Financial Group Inc	29.76	10.65	55.72%
RBKB	Rhinebeck Bancorp	13.05	6.01	85.40%
BSBK	Bogota Financial Corp.	9.39	0.99	11.74%
SRBK	SR Bancorp, Inc.	18.99	4.21	28.52%

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