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SSBI Stock Chart & Stats
$12.90
-$0.06(-0.46%)
At close: 4:00 PM EDT
$12.90
-$0.06(-0.46%)
Day’s Range― - ―
52-Week Range$10.35 - $14.00
Previous Close$13
Volume20.64K
Average Volume (3M)9.94K
Market Cap
$87.39M
Enterprise Value-$13.73
Total Cash (Recent Filing)$112.55M
Total Debt (Recent Filing)$5.96M
Price to Earnings (P/E)37.7
Beta0.18
Next Earnings
Oct 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.34
Shares Outstanding6,771,526
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>-0.01
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
Bulls Say, Bears Say
Bulls Say
Conservative LeverageVery low leverage and a substantial equity base provide a financial cushion against earnings volatility. This supports lending capacity, reduces balance-sheet risk, and gives the bank flexibility to absorb weaker results.
Strong Recent Cash GenerationRecent operating and free cash flow are robust relative to the company’s scale, indicating meaningful cash conversion. Sustained generation would strengthen internal funding capacity and improve resilience without relying heavily on external capital.
Demonstrated Historical Earnings PowerThe bank has previously produced strong margins, showing that its franchise can generate attractive earnings under favorable operating conditions. This historical capacity provides a foundation for recovery if revenue and profitability stabilize.
Bears Say
Severe Revenue ContractionThe sharp TTM revenue decline materially weakens the current earnings base and raises questions about business activity and income durability. Continued contraction could limit profitability, capital generation, and the bank’s ability to fund growth.
Margin And Return CompressionLower margins and ROE indicate substantially weaker capital efficiency and earnings quality than in the prior year. Unless profitability recovers, the bank may generate insufficient returns on its equity base despite conservative leverage.
Inconsistent Cash Flow HistoryRecent cash generation is encouraging, but the history of negative operating and free cash flow shows that results can be uneven. This reduces confidence that current cash strength represents a stable, repeatable multi-year pattern.
Summit State Bank News
SSBI FAQ
What was Summit State Bank’s price range in the past 12 months?
Summit State Bank lowest stock price was $10.35 and its highest was $14.00 in the past 12 months.
What is Summit State Bank’s market cap?
Summit State Bank’s market cap is $87.39M.
When is Summit State Bank’s upcoming earnings report date?
Summit State Bank’s upcoming earnings report date is Oct 28, 2026 which is in 60 days.
How were Summit State Bank’s earnings last quarter?
Summit State Bank released its earnings results on Jul 28, 2026. The company reported -$0.194 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is Summit State Bank overvalued?
According to Wall Street analysts Summit State Bank’s price is currently Overvalued.
Does Summit State Bank pay dividends?
Summit State Bank pays a Notavailable dividend of $0.04 which represents an annual dividend yield of N/A. See more information on Summit State Bank dividends here
What is Summit State Bank’s EPS estimate?
Summit State Bank’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Summit State Bank have?
Summit State Bank has 6,771,526 shares outstanding.
What happened to Summit State Bank’s price movement after its last earnings report?
Summit State Bank reported an EPS of -$0.194 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 0.92%.
Which hedge fund is a major shareholder of Summit State Bank?
Currently, no hedge funds are holding shares in SSBI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Summit State Bank Stock Smart Score
Underperform
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10
Technicals
SMA
Positive
20 days / 200 days
Momentum
45.94%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
-7.04%
Trailing 12-Months
Company Description
Summit State Bank
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 of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and term and equipment loans, as well as loans to agriculture-related businesses. In addition, the company offers Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it provides electronic banking, cash management, and electronic bill payment services. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.
Technical Analysis
Bank Of The Jame Financial
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United Bancorp
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First US Bancshares
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First Northwest Bancorp
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Ownership Overview
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Insiders
5.33% Mutual Funds
14.96% Other Institutional Investors
75.72% Public Companies and
Individual Investors