Summit State Bank (SSBI)

Price$13.39

Value ScoreC

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)15.14%

Price vs S&P 500 (4W)-2.18%

VGM Score59.34

Market Capitalization$89.40M

P/E Ratio (Annual)13.15x

Indicated Dividend Yield (Annual)3.74%

All Metrics

P/CF (Annual)13.56x

Book Value / Share (Quarterly)$15.16

P/TBV (Annual)1.01x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)17.73%

Cash Flow / Share (Quarterly)$2.00

Payout Ratio (TTM)78.29%

Price vs S&P 500 (YTD)7.89%

Net Profit Margin (TTM)29.34%

EPS (TTM)$0.89

10-Day Avg Trading Volume0.00M

EPS Excl Extra (TTM)$0.89

Revenue Growth (5Y)18.77%

EPS (Annual)$1.01

Dividend / Share (Annual)$0.28

ROI (Annual)6.34%

Net Profit Margin (5Y Avg)30.83%

Cash / Share (Quarterly)$12.77

P/E Basic Excl Extra (TTM)14.96x

Revenue Growth QoQ (YoY)19.06%

EPS Growth (5Y)-8.51%

P/E Normalized (Annual)13.15x

ROA (Last FY)0.68%

Revenue Growth TTM (YoY)30.11%

EBITD / Share (TTM)$1.59

ROE (5Y Avg)9.97%

Operating Margin (TTM)41.16%

Cash Flow / Share (Annual)$0.97

P/B Ratio0.87x

P/B Ratio (Quarterly)0.88x

Net Income / Employee (Annual)$66,000

ROA (TTM)0.59%

EPS Growth QoQ (YoY)-33.03%

EV / EBITDA (TTM)11.35x

EPS Incl Extra (Annual)$1.01

3-Month Avg Trading Volume0.01M

52-Week Price Return37.90%

EV / Free Cash Flow (Annual)14.56x

P/E Incl Extra (TTM)14.96x

Tangible BV / Share (Quarterly)$13.17

P/S Ratio (Annual)1.72x

52-Week High$14.00

Operating Margin (5Y Avg)43.35%

EPS Excl Extra (Annual)$1.01

CapEx CAGR (5Y)-18.41%

Tangible BV CAGR (5Y)8.73%

26-Week Price Return23.07%

13-Week Price Return-0.74%

Total Debt / Equity (Annual)0.06x

Enterprise Value$95.35M

Revenue / Share Growth (5Y)19.65%

Book Value / Share Growth (5Y)5.75%

Pretax Margin (Annual)47.81%

Cash / Share (Annual)$11.25

3-Month Return Std Dev19.81%

Net Income / Employee (TTM)$58,000

EBITDA CAGR (5Y)-9.48%

EBITDA Interim CAGR (5Y)-13.30%

ROE (Last FY)6.72%

EPS Basic Excl Extra (Annual)$1.01

P/FCF (TTM)6.59x

EV / Free Cash Flow (TTM)7.06x

Total Debt / Equity (Quarterly)0.06x

EPS Incl Extra (TTM)$0.89

ROI (TTM)5.62%

Dividend Growth Rate (5Y)-3.81%

P/S Ratio (TTM)1.87x

Pretax Margin (5Y Avg)43.35%

Revenue / Share (Annual)$7.47

Tangible BV / Share (Annual)$12.62

Free OCF CAGR (5Y)12.77%

Price vs S&P 500 (52W)13.53%

P/E Ratio (TTM)14.96x

Year-to-Date Return15.13%

5-Day Price Return-1.40%

EPS Normalized (Annual)$1.01

ROA (5Y Avg)0.86%

Net Profit Margin (Annual)33.99%

Month-to-Date Return-1.33%

Cash Flow / Share (TTM)$1.09

EBITD / Share (Annual)$1.39

EPS Growth (3Y)-26.45%

Operating Margin (Annual)47.81%

LT Debt / Equity (Annual)0.06x

P/CF (TTM)6.60x

ROI (5Y Avg)9.35%

P/E Excl Extra (TTM)14.96x

LT Debt / Equity (Quarterly)0.06x

EPS Basic Excl Extra (TTM)$0.89

P/TBV (Quarterly)0.96x

Payout Ratio (Annual)18.92%

P/B Ratio (Annual)0.77x

Dividend / Share (TTM)$0.28

Pretax Margin (TTM)41.16%

Book Value / Share (Annual)$14.94

Price vs S&P 500 (13W)-9.00%

Net Margin Growth (5Y)13.98%

Dividend Yield (TTM)2.12%

Beta0.18x

P/FCF (Annual)13.65x

Revenue / Share (TTM)$6.86

ROE (TTM)5.95%

52-Week Low$9.40

vGradeC

gGradeC

mGradeB

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Earnings Surprise History

Q1 260.25est. —

About

Summit State Bank is a community bank providing comprehensive deposit and lending services to individuals and businesses in Sonoma County, California. Its offerings include checking, savings, money market, and retirement accounts, alongside a diverse loan portfolio covering commercial, residential mortgage, small business, agricultural, and equipment financing.