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Summit State Bank (SSBI) AI Stock Analysis
Summit State Bank
(NASDAQ:SSBI)
The mid-50s score reflects a very strong and low-leverage balance sheet and solid recent cash generation, offset by significantly weakened profitability and thin margins, while a rich P/E multiple of 38.0 and only mildly negative-to-neutral technicals provide limited upside without clearer evidence of an earnings recovery.
Summit State Bank (SSBI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $77.34M
- Dividend Yield
- ―
- Average Volume (3M)
- 4,439
- Price to Earnings (P/E)
- 190.5
- Beta (1Y)
- 0.11
- Revenue Growth
- -7.24%
- EPS Growth
- ―
- Country
- US
- Employees
- 103
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Summit State Bank Business Overview & Revenue Model
Company Description
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 d...
How the Company Makes Money
Summit State Bank primarily earns revenue through (1) net interest income and (2) noninterest income. Net interest income is generated by charging interest on loans and other interest-earning assets and paying interest on deposits and other funding s...
Summit State Bank Financial Statement Overview
Summary
Financials are mixed: profitability has weakened sharply with TTM profit (~$2.3M on ~$58M revenue) and much thinner margins, but this is partly offset by a very conservative balance sheet (debt at roughly 6% of equity) and currently strong operating and free cash flow (~$18M), resulting in a moderate overall financial performance score.
Income Statement
43NeutralBalance Sheet
80PositiveCash Flow
68Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 58.21M | 58.82M | 62.03M | 65.06M | 56.16M | 46.43M |
| Gross Profit | 27.29M | 32.81M | 24.81M | 40.01M | 47.09M | 40.77M |
| EBITDA | 3.22M | 9.34M | -4.00M | 15.67M | 24.26M | 21.29M |
| Net Income | 2.25M | 6.80M | -4.19M | 10.82M | 16.97M | 14.70M |
Balance Sheet | ||||||
| Total Assets | 959.78M | 1.00B | 1.07B | 1.12B | 1.12B | 958.08M |
| Cash, Cash Equivalents and Short-Term Investments | 112.55M | 65.52M | 111.47M | 134.12M | 161.35M | 110.07M |
| Total Debt | 5.96M | 5.95M | 5.93M | 5.92M | 46.91M | 54.39M |
| Total Liabilities | 858.43M | 903.41M | 975.37M | 1.02B | 1.03B | 873.80M |
| Stockholders Equity | 101.36M | 101.17M | 91.72M | 97.68M | 88.55M | 84.28M |
Cash Flow | ||||||
| Free Cash Flow | 17.75M | 6.55M | 5.62M | -2.62M | 13.54M | 7.38M |
| Operating Cash Flow | 17.96M | 6.59M | 5.85M | -2.38M | 13.72M | 7.47M |
| Investing Cash Flow | 104.66M | 78.98M | 36.79M | -20.18M | -117.18M | -74.95M |
| Financing Cash Flow | -76.47M | -71.45M | -49.03M | 2.79M | 140.33M | 77.35M |
Summit State Bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SSBI, the sentiment is Negative. The current price of 11.43 is below the 20-day moving average (MA) of 12.16, below the 50-day MA of 12.42, and below the 200-day MA of 13.16, indicating a bearish trend. The MACD of -0.21 indicates Positive momentum. The RSI at 35.26 is Neutral, neither overbought nor oversold. The STOCH value of 12.78 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SSBI.
Summit State Bank Peers Comparison
Overall Rating
FUSB73Outperform
BOTJ69Neutral
UBCP69Neutral- SSBI54Neutral
FNWB44Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| FUSB | 73Outperform | $90.83M | 11.96 | 7.58% | 1.70% | 3.80% | 43.33% |
| BOTJ | 69Neutral | $107.95M | 8.97 | 14.94% | 1.68% | 7.06% | 52.33% |
| UBCP | 69Neutral | $81.21M | 9.97 | 11.53% | 6.71% | 6.21% | 8.32% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SSBI | 54Neutral | $77.40M | 190.50 | 0.33% | ― | -7.24% | ― |
| FNWB | 44Neutral | $97.30M | -1100.00 | -0.03% | ― | -6.23% | 99.73% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SSBI | Summit State Bank | 11.42 | 0.57 | 5.25% | |
| BOTJ | Bank Of The James Financial Group, Inc. | 24.01 | 7.80 | 48.07% | |
| UBCP | United Bancorp | 14.43 | 2.45 | 20.42% | |
| FUSB | First Us Bancshares | 16.45 | 3.77 | 29.76% | |
| FNWB | First Northwest Bancorp | 10.30 | 1.40 | 15.73% |
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: Aug 17, 2026