SSBI Fundamental Analysis - SUMMIT STATE BANK

Fundamental Rating

We assign a fundamental rating of 1 out of 10 to SSBI. SSBI was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of SSBI have multiple concerns. SSBI does not seem to be growing, but still is valued expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

SSBI had negative earnings in the past year.

Of the past 5 years SSBI 4 years were profitable.

SSBI had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.16%, SSBI is doing worse than 91.07% of the companies in the same industry.

SSBI has a Return On Equity of -1.64%. This is amonst the worse of the industry: SSBI underperforms 91.84% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.16%
ROE	-1.64%
ROIC	N/A

ROA(3y)0.7%

ROA(5y)0.97%

ROE(3y)8.56%

ROE(5y)11.4%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for SSBI so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

SSBI does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, SSBI has about the same amount of shares outstanding.

SSBI has more shares outstanding than it did 5 years ago.

SSBI has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.06 indicates that SSBI is not too dependend on debt financing.

SSBI's Debt to Equity ratio of 0.06 is fine compared to the rest of the industry. SSBI outperforms 79.08% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC31.13%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The earnings per share for SSBI have decreased strongly by -126.57% in the last year.

Looking at the last year, SSBI shows a small growth in Revenue. The Revenue has grown by 3.24% in the last year.

SSBI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.14% yearly.

EPS 1Y (TTM)-126.57%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%159.88%

Revenue 1Y (TTM)3.24%

Revenue growth 3Y-8.15%

Revenue growth 5Y5.14%

Sales Q2Q%20.2%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

SSBI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

SSBI has a Yearly Dividend Yield of 1.35%.

Compared to an average industry Dividend Yield of 3.73, SSBI is paying slightly less dividend.

With a Dividend Yield of 1.35, SSBI pays less dividend than the S&P500 average, which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	1.35%

5.2 History

The dividend of SSBI decreases each year by -3.81%.

SSBI has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-3.81%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

The earnings of SSBI are negative and hence is the payout ratio. SSBI will probably not be able to sustain this dividend level.

DP-16.57%

EPS Next 2YN/A

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

SUMMIT STATE BANK

NASDAQ:SSBI (9/19/2025, 8:00:00 PM)

After market: 11.95 0 (0%)

11.95

-0.07 (-0.58%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29/bmo

Earnings (Next)10-28 2025-10-28

Inst Owners28.25%

Inst Owner Change0.92%

Ins Owners21.42%

Ins Owner ChangeN/A

Market Cap81.02M

Analysts0

Price TargetN/A

Short Float %0.13%

Short Ratio0.76

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.35%

Yearly Dividend0.28

Dividend Growth(5Y)-3.81%

DP-16.57%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	2.32
P/FCF	N/A
P/OCF	N/A
P/B	0.83
P/tB	0.83
EV/EBITDA	N/A

EPS(TTM)-0.24

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS5.15

BVpS14.47

TBVpS14.47

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.16%
ROE	-1.64%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)0.7%

ROA(5y)0.97%

ROE(3y)8.56%

ROE(5y)11.4%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-ScoreN/A

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.06
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-ScoreN/A

WACC31.13%

ROIC/WACCN/A

Cap/Depr(3y)55.34%

Cap/Depr(5y)43.64%

Cap/Sales(3y)0.55%

Cap/Sales(5y)0.45%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-126.57%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%159.88%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)3.24%

Revenue growth 3Y-8.15%

Revenue growth 5Y5.14%

Sales Q2Q%20.2%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y314.47%

FCF growth 3Y-52.35%

FCF growth 5YN/A

OCF growth 1Y345.8%

OCF growth 3Y-51.73%

OCF growth 5YN/A

SUMMIT STATE BANK (SSBI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens