Summit State Bank (SSBI)

NASDAQ: SSBI · USD

$11.4

-0.06 (-0.5%)· Recorded snapshot

Market cap	76.7M
Revenue (ttm)	24.4M
Net income (ttm)	336K
EPS (ttm)	$0.05
Shares out	6.7M
P/E (trailing)	227.8x
Volume	2,485.914
Beta	0.37

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 24.4M
Net income (ttm): 336K
EPS (ttm): $0.05
P/E (trailing): 227.8x
Market cap: 76.7M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	35B	8.8x	1.9x	15.9%	+15.1%	+24.9%	Strong Buy
AIG	American International Group Inc.	42.1B	12.8x	1.5x	7.9%	-10.3%	+4.5%	Strong Buy
AIZ	Assurant, Inc.	14.6B	13.7x	1.1x	14.3%	+6.5%	+41.9%	Hold

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-11-04 14:30 UTC

Forward P/En/a

P25 8.7P50 10.4P75 12.8

Trailing P/E227.8

P25 10.7P50 13.5P75 31.8

ROE0.3

P25 4.9P50 11P75 15.4

ROICn/a

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All SSBI indicators

Market & fundamental data

Available fields

213

Groups with data

Currency

USD

Showing 213 of 213 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0000354204
Company name	Summit State Bank
Country	United States
Country code	US
CUSIP number	866264203
Earnings date	2026-10-27
Earnings time	bmo
Employees	103
Employees change	-3
Employees growth	-2.83%
Enterprise value	$-8.7M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1982
Industry	Banks - Regional
IPO date	2006-07-14
Is primary listing	Yes
Is SPAC	No
ISIN number	US8662642037
Last earnings date	2026-10-27
Last refreshed	2026-11-04
Last stock split date	2021-10-28
Last stock split type	Forward
Market cap	$76.7M
Market cap category	Micro-Cap
Next earnings date	2027-01-26
Options	No
Price	$11.36
Price currency	USD
Sector	Financials
Stock price date	2026-11-03
Symbol	SSBI
U.S. state	California
Website	https://summitstatebank.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	18.63x
Average P/E ratio (3Y)	44.09x
Average P/E ratio (5Y)	25.36x
Earnings yield	0.44%
FCF / EV yield	-203.44%
FCF yield	23.16%
Graham number	4.05399
Graham upside	-64.31%
Industry forward P/E	9.87x
Industry P/E	11.69x
Lynch fair value	$0.25
Lynch upside	-97.8%
P/B ratio	0.78x
P/E ratio	227.78x
P/FCF ratio	4.32x
P/OCF ratio	4.27x
P/S ratio	3.14x
Price / tangible book value	0.78x
Sector forward P/E	13.72x
Sector P/E	15.79x

Profitability

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

Metric	Value
FCF margin	65.06%
Operating margin	0.07%
Pretax margin	0.07%
Profit margin	1.37%
Profit per employee	$3,262
Revenue per employee	$237,330
ROA	0.03%
ROA (5Y)	0.9%
ROE	0.34%
ROE (5Y)	10.45%
Tax / revenue	-1.3%

Growth

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

Metric	Value
EPS growth 10Y	-23.9%
EPS growth 3Y	-70.83%
EPS growth 5Y	-52.6%
FCF growth	2,487.46%
FCF growth 3Y	19.64%
FCF growth 5Y	-20.17%
Net income growth 3Y	-70.79%
Net income growth 5Y	-52.53%
OCF growth	2,310.2%
OCF growth 10Y	11.95%
OCF growth 3Y	19.06%
OCF growth 5Y	-19.95%
Revenue growth	-10.7%
Revenue growth (Q)	-41.64%
Revenue growth (QoQ)	-8.85%
Revenue growth 10Y	1.7%
Revenue growth 3Y	-18.32%
Revenue growth 5Y	-9.39%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-206,000
EPS	$0.05
FCF per share	$2.63
Financing cash flow	$-76.5M
Free cash flow	$17.8M
Gross profit	$24.4M
Income taxes	$-318,000
Investing cash flow	$104.7M
Net cash flow	$46.1M
Net income	$336,000
Operating income	$18,000
Revenue	$24.4M

Financial strength

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

Metric	Value
Book value per share	$14.65
Debt / equity	0.06
Debt / FCF	0.34
Net cash (debt)	$85.4M
Net cash / market cap	111.38%
Net cash growth	90.16%
Net debt / equity	-0.86
Net debt / FCF	-4.81
Piotroski F-Score	4
Property, plant and equipment	$4.9M
Shareholders' equity	$98.8M
Tangible book value	$98.8M
Tangible book value per share	$14.65
Total assets	$937.4M
Total cash	$91.3M
Total debt	$6M
Total liabilities	$838.6M
WACC	5.83%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-715.8M

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-0.16%
Dividend growth (10Y)	2.26%
Dividend growth (3Y)	-3.65%
Dividend growth (5Y)	-1.73%
Dividend per share	$0.00
Dividend yield	0%
Last dividend	$0.04
Shareholder yield	-0.16%

Performance and technicals

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

Metric	Value
10Y price change	16.57%
10Y return CAGR	4.47%
10Y total return	54.81%
150-day SMA	$13.09
15Y price change	178.91%
15Y return CAGR	10.68%
15Y total return	358.47%
1D price change	-0.53%
1M price change	-6.77%
1M total return	-6.77%
1W price change	-5.49%
1W total return	-5.49%
1Y price change	4.11%
1Y return CAGR	4.11%
1Y total return	4.11%
20-day SMA	$12.06
200-day SMA	$13.02
20Y price change	20.62%
20Y return CAGR	4.84%
20Y total return	157.18%
3M price change	-8.31%
3M total return	-8.31%
3Y price change	-9.48%
3Y return CAGR	-1.99%
3Y total return	-5.85%
50-day SMA	$12.40
50-day SMA vs 200-day SMA	50under200
52-week high	$14.00
52-week high date	2026-06-26
52-week low	$10.50
52-week low date	2025-11-25
5Y price change	-34.3%
5Y return CAGR	-6.2%
5Y total return	-27.39%
6M price change	-16.04%
6M total return	-16.04%
After-hours change	1.14%
After-hours close	$11.36
After-hours price	$11.49
All-time high	$20.00
All-time high date	2021-09-29
All-time low	$3.00
All-time low date	2009-04-07
Average true range (ATR)	$0.37
Average volume	3.5K
Beta (1Y)	0.21
Beta (2Y)	0.02
Beta (5Y)	0.37
Change from 52-week high	-18.86%
Change from 52-week low	8.19%
Change from all-time high	-43.2%
Change from all-time low	279.17%
Change from open	-1.13%
Day's gap	0.61%
Dollar volume	$28,240
High price	$11.49
Low price	$11.36
Monthly RSI	46.66
Open price	$11.49
Position in 52-week range	0%
Previous close	$11.42
Price vs 150-day SMA	-13.19%
Price vs 20-day SMA	-5.77%
Price vs 200-day SMA	-12.72%
Price vs 50-day SMA	-8.36%
Relative volume	0.72
RSI	33.4
Sharpe ratio	-0.23
Sharpe ratio (3Y)	-0.16
Sharpe ratio (5Y)	-0
Sortino ratio	-0.11
Sortino ratio (3Y)	-0.09
Sortino ratio (5Y)	0.14
Volume	2.5K
Weekly RSI	34.59
YTD price change	-2.32%
YTD total return	-2.32%

Ownership and float

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

Metric	Value
Float	5.9M
Float percentage	87.24%
Shares change (QoQ)	0%
Shares change (YoY)	0.16%
Shares held by insiders	7.45%
Shares held by institutions	26.63%
Shares outstanding	6.7M
Short % of float	0.14%
Short % of shares	0.12%
Short ratio	2.2 days

Deeper analysis on SSBI

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this SSBI report

Is a complete SSBI research report available?

No complete published report is available for Summit State Bank (SSBI) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Summit State Bank (SSBI)

Price

Financial snapshot

Fair-value bridge

Latest news · SSBI

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SSBI indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SSBI

Frequently asked questions