SUMMIT STATE BANK (SSBI) Fundamental Analysis & Valuation

NASDAQ:SSBI • US8662642037

Current stock price

13.22 USD
+0.42 (+3.28%)
Last:

This SSBI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. SSBI Profitability Analysis

1.1 Basic Checks

  • SSBI had positive earnings in the past year.
  • SSBI had a positive operating cash flow in the past year.
  • SSBI had positive earnings in 4 of the past 5 years.
  • In multiple years SSBI reported negative operating cash flow during the last 5 years.
SSBI Yearly Net Income VS EBIT VS OCF VS FCFSSBI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M 40M 50M

1.2 Ratios

  • SSBI has a worse Return On Assets (-0.14%) than 90.81% of its industry peers.
  • With a Return On Equity value of -1.42%, SSBI is not doing good in the industry: 91.60% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.14%
ROE -1.42%
ROIC N/A
ROA(3y)0.42%
ROA(5y)0.86%
ROE(3y)4.41%
ROE(5y)9.97%
ROIC(3y)N/A
ROIC(5y)N/A
SSBI Yearly ROA, ROE, ROICSSBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • In the last couple of years the Profit Margin of SSBI has declined.
  • The Profit Margin and Operating Margin and Gross Margin are not available for SSBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.29%
PM growth 5Y-8.7%
GM growth 3YN/A
GM growth 5YN/A
SSBI Yearly Profit, Operating, Gross MarginsSSBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

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3

2. SSBI Health Analysis

2.1 Basic Checks

  • SSBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SSBI has about the same amout of shares outstanding than it did 1 year ago.
  • SSBI has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SSBI has a worse debt to assets ratio.
SSBI Yearly Shares OutstandingSSBI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
SSBI Yearly Total Debt VS Total AssetsSSBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • The Debt to FCF ratio of SSBI is 1.07, which is an excellent value as it means it would take SSBI, only 1.07 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.07, SSBI is in the better half of the industry, outperforming 66.93% of the companies in the same industry.
  • SSBI has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of SSBI (0.06) is better than 78.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC29.3%
SSBI Yearly LT Debt VS Equity VS FCFSSBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M 60M 80M 100M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SSBI Yearly Current Assets VS Current LiabilitesSSBI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. SSBI Growth Analysis

3.1 Past

  • SSBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 262.08%, which is quite impressive.
  • Measured over the past years, SSBI shows a decrease in Earnings Per Share. The EPS has been decreasing by -8.42% on average per year.
  • Looking at the last year, SSBI shows a small growth in Revenue. The Revenue has grown by 7.30% in the last year.
  • The Revenue has been growing slightly by 0.36% on average over the past years.
EPS 1Y (TTM)262.08%
EPS 3Y-26.41%
EPS 5Y-8.42%
EPS Q2Q%114.91%
Revenue 1Y (TTM)7.3%
Revenue growth 3Y-10.88%
Revenue growth 5Y0.36%
Sales Q2Q%-9.69%

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.
SSBI Yearly Revenue VS EstimatesSSBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M

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1

4. SSBI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.09, which indicates a correct valuation of SSBI.
  • Based on the Price/Earnings ratio, SSBI is valued a bit more expensive than the industry average as 60.63% of the companies are valued more cheaply.
  • SSBI's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.70.
Industry RankSector Rank
PE 13.09
Fwd PE N/A
SSBI Price Earnings VS Forward Price EarningsSSBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SSBI indicates a slightly more expensive valuation: SSBI is more expensive than 66.93% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 16.03
EV/EBITDA N/A
SSBI Per share dataSSBI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. SSBI Dividend Analysis

5.1 Amount

  • SSBI has a Yearly Dividend Yield of 3.74%. Purely for dividend investing, there may be better candidates out there.
  • SSBI's Dividend Yield is a higher than the industry average which is at 2.86.
  • SSBI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.74%

5.2 History

  • The dividend of SSBI decreases each year by -3.81%.
  • SSBI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-3.81%
Div Incr Years0
Div Non Decr Years0
SSBI Yearly Dividends per shareSSBI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.1 0.2 0.3 0.4 0.5

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.
  • SSBI's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP-0.07%
EPS Next 2YN/A
EPS Next 3YN/A
SSBI Yearly Income VS Free CF VS DividendSSBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M 40M 50M

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SSBI Fundamentals: All Metrics, Ratios and Statistics

SUMMIT STATE BANK

NASDAQ:SSBI (3/13/2026, 8:00:00 PM)

13.22

+0.42 (+3.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-27
Inst Owners28.87%
Inst Owner Change8.87%
Ins Owners21.78%
Ins Owner ChangeN/A
Market Cap89.50M
Revenue(TTM)35.34M
Net Income(TTM)-1.41M
Analysts0
Price TargetN/A
Short Float %0.27%
Short Ratio1.75
Dividend
Industry RankSector Rank
Dividend Yield 3.74%
Yearly Dividend0.28
Dividend Growth(5Y)-3.81%
DP-0.07%
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 RankSector Rank
PE 13.09
Fwd PE N/A
P/S 2.48
P/FCF 16.03
P/OCF 15.94
P/B 0.9
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)1.01
EY7.64%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.82
FCFY6.24%
OCF(TTM)0.83
OCFY6.27%
SpS5.34
BVpS14.73
TBVpS14.73
PEG (NY)N/A
PEG (5Y)N/A
Graham Number18.3
Profitability
Industry RankSector Rank
ROA -0.14%
ROE -1.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 15.45%
ROA(3y)0.42%
ROA(5y)0.86%
ROE(3y)4.41%
ROE(5y)9.97%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.29%
PM growth 5Y-8.7%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 1.07
Debt/EBITDA N/A
Cap/Depr 7.73%
Cap/Sales 0.08%
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-Score4
WACC29.3%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)262.08%
EPS 3Y-26.41%
EPS 5Y-8.42%
EPS Q2Q%114.91%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.3%
Revenue growth 3Y-10.88%
Revenue growth 5Y0.36%
Sales Q2Q%-9.69%
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 1Y89.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y72.26%
OCF growth 3YN/A
OCF growth 5YN/A

SUMMIT STATE BANK / SSBI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SUMMIT STATE BANK (SSBI) stock?

ChartMill assigns a fundamental rating of 2 / 10 to SSBI.


What is the valuation status of SUMMIT STATE BANK (SSBI) stock?

ChartMill assigns a valuation rating of 1 / 10 to SUMMIT STATE BANK (SSBI). This can be considered as Overvalued.


How profitable is SUMMIT STATE BANK (SSBI) stock?

SUMMIT STATE BANK (SSBI) has a profitability rating of 1 / 10.


Can you provide the PE and PB ratios for SSBI stock?

The Price/Earnings (PE) ratio for SUMMIT STATE BANK (SSBI) is 13.09 and the Price/Book (PB) ratio is 0.9.


Is the dividend of SUMMIT STATE BANK sustainable?

The dividend rating of SUMMIT STATE BANK (SSBI) is 4 / 10 and the dividend payout ratio is -0.07%.