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SUMMIT STATE BANK (SSBI) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SSBI - US8662642037 - Common Stock

10.92 USD
+0.42 (+4%)
Last: 11/21/2025, 8:01:10 PM
Fundamental Rating

1

Taking everything into account, SSBI scores 1 out of 10 in our fundamental rating. SSBI was compared to 387 industry peers in the Banks industry. SSBI has a bad profitability rating. Also its financial health evaluation is rather negative. SSBI does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SSBI was profitable.
In the past year SSBI had a positive cash flow from operations.
SSBI had positive earnings in 4 of the past 5 years.
Of the past 5 years SSBI 4 years had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M 40M 50M

1.2 Ratios

The Return On Assets of SSBI (-0.16%) is worse than 91.52% of its industry peers.
SSBI has a Return On Equity of -1.64%. This is amonst the worse of the industry: SSBI underperforms 92.29% of its industry peers.
Industry RankSector 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
SSBI Yearly ROA, ROE, ROICSSBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

SSBI does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
SSBI Yearly Profit, Operating, Gross MarginsSSBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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1

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.
SSBI Yearly Shares OutstandingSSBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M
SSBI Yearly Total Debt VS Total AssetsSSBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

The Debt to FCF ratio of SSBI is 8.68, which is on the high side as it means it would take SSBI, 8.68 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 8.68, SSBI is not doing good in the industry: 76.35% of the companies in the same industry are doing better.
SSBI has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.06, SSBI is in the better half of the industry, outperforming 77.64% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 8.68
Altman-Z N/A
ROIC/WACCN/A
WACC33.04%
SSBI Yearly LT Debt VS Equity VS FCFSSBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 38.71% over the past year.
Looking at the last year, SSBI shows a quite strong growth in Revenue. The Revenue has grown by 10.63% in the last year.
EPS 1Y (TTM)38.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.36%
Revenue 1Y (TTM)10.63%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.03%

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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.33, SSBI is valued on the expensive side.
SSBI's Price/Earnings ratio is a bit more expensive when compared to the industry. SSBI is more expensive than 77.64% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.47, SSBI is valued a bit cheaper.
Industry RankSector Rank
PE 17.33
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

Based on the Price/Free Cash Flow ratio, SSBI is valued expensively inside the industry as 82.78% of the companies are valued cheaper.
Industry RankSector Rank
P/FCF 108.08
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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0

5. Dividend

5.1 Amount

SSBI does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SUMMIT STATE BANK

NASDAQ:SSBI (11/21/2025, 8:01:10 PM)

10.92

+0.42 (+4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)01-26 2026-01-26
Inst Owners28.75%
Inst Owner Change3.56%
Ins Owners21.92%
Ins Owner ChangeN/A
Market Cap74.04M
Revenue(TTM)36.15M
Net Income(TTM)-1.60M
Analysts0
Price TargetN/A
Short Float %0.19%
Short Ratio0.74
Dividend
Industry RankSector Rank
Dividend Yield N/A
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 RankSector Rank
PE 17.33
Fwd PE N/A
P/S 2.12
P/FCF 108.08
P/OCF 99.51
P/B 0.75
P/tB 0.75
EV/EBITDA N/A
EPS(TTM)0.63
EY5.77%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.1
FCFY0.93%
OCF(TTM)0.11
OCFY1%
SpS5.15
BVpS14.47
TBVpS14.47
PEG (NY)N/A
PEG (5Y)N/A
Graham Number14.32
Profitability
Industry RankSector 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 1.96%
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
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 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 8.68
Debt/EBITDA N/A
Cap/Depr 15.09%
Cap/Sales 0.17%
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
WACC33.04%
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)38.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%30.36%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.63%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%15.03%
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 FAQ

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

ChartMill assigns a fundamental rating of 1 / 10 to SSBI.


What is the valuation status for 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 2 / 10.


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

The Price/Earnings (PE) ratio for SUMMIT STATE BANK (SSBI) is 17.33 and the Price/Book (PB) ratio is 0.75.


How financially healthy is SUMMIT STATE BANK?

The financial health rating of SUMMIT STATE BANK (SSBI) is 1 / 10.