Summit State Bank SSBI FINANCIAL
Company Overview
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.
Why Investors Should Care
Carries low leverage with a debt-to-equity ratio of 0.06.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $34.99M (+6.9% YoY); net profit $6.80M.
- Trailing 12 Months Year-on-year growth — revenue -54.3%.
- 5-Year Trend Long-term compounding — revenue CAGR -11.0%, profit CAGR -26.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -11.00% |
| 1 Year: | -54.30% |
Compounded Profit Growth
| 5 Years: | -26.29% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +8.43% |
| 6 Months: | -0.47% |
| 3 Months: | -5.00% |
| 1 Month: | -5.07% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)41.38 · Neutral
P/E of 38.61 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -11.0% CAGR over 5 years.
- Earnings shrank at -26.3% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SSBI Summit State Bank FINANCIAL | 12.74 | 38.61 | $86.21M | 0.00% | - | 2.26% | -11.00% | -26.29% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | 8.74M | 9.49M | 9.57M | 7.19M | 10.06M | - |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | 6.46M | 6.00M | 5.55M | 5.46M | 5.00M | - |
| Pretax Income | - | 3.10M | 3.24M | 1.27M | 1.35M | 2.27M | - |
| Tax Provision | - | 605.00K | 825.00K | 453.00K | 284.00K | 599.00K | - |
| Net Income | - | 2.49M | 2.42M | 818.00K | 1.07M | 1.67M | - |
| Diluted EPS | - | 0.37 | 0.36 | 0.12 | - | 0.25 | -0.19 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 49.63M | 40.28M | 32.74M | 34.99M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 6.53M | 24.78M | 29.29M | 23.48M |
| Pretax Income | - | 23.87M | 15.28M | -4.39M | 8.96M |
| Tax Provision | - | 6.90M | 4.46M | -195.00K | 2.17M |
| Net Income | - | 16.97M | 10.82M | -4.19M | 6.80M |
| Diluted EPS | - | 2.54 | 1.62 | -0.62 | 1.01 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 1.12B | 1.12B | 1.07B | 1.00B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 77.57M | 57.79M | 51.40M | 65.52M |
| Inventory | - | - | - | - | - |
| Receivables | 9.41M | 17.09M | - | - | - |
| Total Liabilities | - | 1.03B | 1.02B | 975.37M | 903.41M |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 46.91M | 5.92M | 5.93M | 5.95M |
| Total Debt | - | 46.91M | 5.92M | 5.93M | 5.95M |
| Total Equity | - | 88.55M | 97.68M | 91.72M | 101.17M |
| Shares Outstanding | - | 6.73M | 6.78M | 6.78M | 6.77M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 13.72M | -2.38M | 5.85M | 6.59M |
| Investing Cash Flow | - | -117.18M | -20.18M | 36.79M | 78.98M |
| Financing Cash Flow | - | 140.33M | 2.79M | -49.03M | -71.45M |
| Capital Expenditure | - | -175.00K | -240.00K | -231.00K | -47.00K |
| Free Cash Flow | - | 13.54M | -2.62M | 5.62M | 6.55M |
| Net Change in Cash | - | 36.87M | -19.78M | -6.39M | 14.12M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 34.2% | 26.9% | -12.8% | 19.4% |
| ROE % | - | 19.2% | 11.1% | -4.6% | 6.7% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Alliancebernstein L.P. | 11.50% | 553.63K | $6.84M |
| 2 | M3F, Inc. | 7.36% | 354.23K | $4.37M |
| 3 | Caldwell Sutter Capital, Inc. | 7.25% | 349.28K | $4.31M |
| 4 | Vanguard Capital Management LLC | 4.76% | 229.15K | $2.83M |
| 5 | BANC FUNDS CO LLC | 4.06% | 195.63K | $2.42M |
| 6 | MAI Capital Management | 1.88% | 90.63K | $1.12M |
| 7 | Salzhauer, Michael | 1.51% | 72.58K | $896.30K |
| 8 | Dimensional Fund Advisors LP | 1.45% | 69.62K | $859.86K |
| 9 | Geode Capital Management, LLC | 1.07% | 51.51K | $636.20K |
| 10 | Vanguard Fiduciary Trust Co | 0.63% | 30.31K | $374.32K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SSBI
Trading the Move, Not the Narrative: (SSBI) Edition - Stock Traders Daily
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Summit State Bank Q2 2026 Earnings Report - marketbeat.com
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Summit State Bank (SSBI) Shareholding Pattern – Promoters, FIIs & DIIs - Value Research
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Summit (SSBI) Session: Ends a Quiet Session at $12.79 for the Current Session; Key Range: Traders Can Monitor the $12.15-$13.43 Range for the Current Session - Watchlist Stock Ideas - vinanet.vn
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Summit State Bank (SSBI) Holds Steady Near Support Amid Minor Pullback - Earnings Beat Stocks - dars.gov.et
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SSBI — Frequently Asked Questions
What is the current share price of Summit State Bank (SSBI)?
As of 2026-09-19 21:16 PDT, Summit State Bank (SSBI) trades at $12.74 on NasdaqGM. Its 52-week range is $10.50 to $14.00.
What is the market capitalisation of SSBI?
Summit State Bank (SSBI) has a market capitalisation of $86.21M on NasdaqGM.
What is the P/E ratio of SSBI?
SSBI trades at a trailing price-to-earnings (P/E) ratio of 38.61. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.82.
What is the return on equity (ROE) of SSBI?
SSBI has a return on equity (ROE) of 2.26%.
Is SSBI a good stock to buy?
This page provides a data-driven analysis of Summit State Bank (SSBI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.