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Summit State Bank (SSBI)

NASDAQ: SSBI · USD

$13.1

-0.17 (-1.3%)· Recorded snapshot

Coverage state: Market snapshot only — no published research

Market snapshot recorded 2026-07-25 02:00 UTC. No published research is attached to this ticker. Prices and fundamentals on this server-rendered page are dated snapshots, not a real-time trading feed.

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Market cap	88.8M
Revenue (ttm)	32.5M
Net income (ttm)	6M
EPS (ttm)	$0.89
Shares out	6.8M
P/E (trailing)	15.0x
Volume	23,423
Beta	0.18

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 32.5M
Net income (ttm): 6M
EPS (ttm): $0.89
P/E (trailing): 15.0x
Market cap: 88.8M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	227.9B	20.5x	3.2x	11.9%	+13.2%	+10.6%	Reduce
BAC	Bank of America Corporation	433.2B	14.3x	3.8x	—	+5.6%	+31.5%	Reduce
BK	The Bank of New York Mellon Corporation	—	—	—	—	—	—	Reduce

All SSBI indicators

Market & fundamental data

Available fields

206

Groups with data

Currency

USD

Showing 206 of 206 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Company name	Summit State Bank
Country	United States
Country code	US
Cusip	866264203
Employees	103
Employees Change	-3%
Employees Change Percent	-2.83
Enterprise value	$-18.3M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Industry PE	13.52
Industry PE Fwd	11.14
IPO Date	2006-07-14
Isin	US8662642037
Last refreshed	2026-07-25
Market cap	$88.8M
Market cap category	Micro-Cap
Price	$13.11
Price currency	USD
Rev Per Employee	315,213.59x
Sector	Financials
Sector PE	17.12
Sector PE Fwd	14.38
Symbol	SSBI
Website	https://summitstatebank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	6.66%
FCF yield	15.06%
P/B ratio	0.88x
P/E ratio	14.96x
P/S ratio	2.76x
PE Ratio10 Y	11.39x
PE Ratio3 Y	10.08x
PE Ratio5 Y	8.45x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	41.61%
Gross Profit	$32.5M
Net Income	$6M
Net Income Growth Q	-32.88%
Net Income Growth3 Y	-29.63%
Net Income Growth5 Y	-12.15%
Pretax Margin	25.06%
Profit Margin	18.41%
Profit Per Employee	$58,019
ROA	0.58
Roa5y	0.9
ROE	6.04
Roe5y	10.45

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	5.69%
Cagr15y	10.58%
Cagr1y	11.3%
Cagr20y	4.85%
Cagr3y	-7.43%
Cagr5y	-0.55%
Div CAGR10	2.26%
Div CAGR3	-3.65%
Div CAGR5	-1.73%
EPS Growth Q	-32.82
EPS Growth3 Y	-29.79
EPS Growth5 Y	-12.26
FCF Growth	655.59%
FCF Growth3 Y	13.02%
FCF Growth5 Y	-20.33%
OCF Growth	595.43%
OCF Growth10 Y	8.25%
OCF Growth3 Y	11.92%
OCF Growth5 Y	-20.28%
Revenue Growth	25.2x
Revenue Growth Q	-3.65x
Revenue Growth3 Y	-11.78x
Revenue Growth5 Y	-1.09x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$995.9M
Cash	$115.5M
Debt	$7.4M
Debt FCF	$0.55
Equity	$102.7M
Liabilities	$893.3M
Net Cash	$108.1M
Net Cash By Market Cap	$120
Net Cash Growth	65.51%
Net Debt Equity	$-1.05
Net Debt FCF	$-8
Tangible Book Value	$102.7M
Tangible Book Value Per Share	$15.16
WACC	4.83

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-759M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-0.23%
Dividend per share	$0
Dividend Yield	0%
Last Dividend	$0.04

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	73.87%
1Y total return	11.29%
200-day SMA	12.68
3Y total return	-20.68%
50-day SMA	13.54
50-day SMA vs 200-day SMA	50over200
5Y total return	-2.72%
All Time High	20
All Time High Change	-34.45%
All Time High Date	2021-09-29
All Time Low	3
All Time Low Change	337.58%
All Time Low Date	2009-04-07
ATR	0.2
Beta	0.18
Beta1y	-0.15
Beta2y	0.08
Ch YTD	12.73
High	13.28
High52	14
High52 Date	2026-06-26
High52ch	-6.36%
Low	13.03
Low52	10.35
Low52 Date	2025-10-30
Low52ch	26.67%
Ma50ch	-3.18%
Price vs 200-day SMA	3.42%
RSI	39.87
RSI Monthly	57.34
RSI Weekly	49.98
Sharpe ratio	0.73x
Sortino ratio	1.32
Total Return	-0.23%
Tr YTD	12.73
Tr15y	351.96%
Tr1m	-6.16%
Tr1w	-3.74%
Tr3m	-4.38%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$8.1M
Operating margin	25.06

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	5,915,298%
Float Percent	87.36%
Shares Insiders	7.41%
Shares Institutions	25.21%
Shares Out	6,771,526
Shares Qo Q	0%
Shares Yo Y	0.23%
Short Float	0.17%
Short Ratio	2.24
Short Shares	0.15

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$12.7M
Average Volume	7,464.05x
Bv Per Share	15.16
CAPEX	$-44,000
Ch10y	29.78
Ch15y	171.1
Ch1m	-6.16
Ch1w	-3.74
Ch1y	11.29
Ch20y	20.18
Ch3m	-4.38
Ch3y	-24.26
Ch5y	-12.6
Ch6m	-3.07
Change	-1.28%
Change From Open	-1.28
Close	13.28
Days Gap	0
Dollar Volume	307,075.5
Earnings Date	2026-07-28
Earnings Time	bmo
EPS	$0.89
F Score	4
FCF	$13.5M
FCF EV Yield	-73.66x
FCF Per Share	$2
Financing CF	-77,806,000
Fiscal Year End	December
Founded	1,982
Graham Number	17.39864
Graham Upside	31.31
Income Tax	$2.2M
Investing CF	107,300,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-28
Last Report Date	2026-03-31
Last Split Date	2021-10-28
Last Split Type	Forward
Lynch Fair Value	$4.44
Lynch Upside	-66.51
Ma150	13.09
Ma150ch	0.12%
Ma20	13.55
Ma20ch	-3.26%
Net CF	43,048,000
Next Earnings Date	2026-08-04
Open	13.28
Optionable	No
P FCF Ratio	6.64
P OCF Ratio	6.62
Position In Range	32
Ppne	6,127,000
Price Date	2026-07-24
Ptbv Ratio	0.87
Relative Volume	3.14x
Revenue	32,467,000x
SBC By Revenue	2.65x
Share Based Comp	860,000
Tax By Revenue	6.66x
Tax Rate	26.56%
Tr20y	157.78%
Tr6m	-3.07%
Us State	California
Volume	23,423

Summit State Bank (SSBI)

Coverage state: Market snapshot only — no published research

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Profile and market data

Valuation

Profitability

Growth

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Analyst estimates

Ownership and float

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