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Summit State Bank (SSBI)
NASDAQ: SSBI · Real-Time Price · USD
11.57
+0.15 (1.31%)
Nov 3, 2026, 2:53 PM EST - Market open

Summit State Bank Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
24.4532.8125.0240.3347.3841.21
Revenue Growth
-10.70%31.13%-37.96%-14.88%14.97%26.38%
Net Income
0.346.8-4.1910.8216.9714.7
Earnings Per Share
0.051.01-0.621.622.542.20
EPS Growth
----36.30%15.34%40.13%

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
91.3465.5251.457.7977.5740.7
Total Debt
5.967.477.226.9148.3355.62
Net Cash (Debt)
85.3858.0644.1850.8829.24-14.92
Net Cash Growth
90.16%31.41%-13.16%74.00%--
Net Cash Per Share
12.678.636.587.604.37-2.23

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-6.65.85-2.3813.727.47
Capital Expenditures
--0.05-0.23-0.24-0.18-0.09
Free Cash Flow
-6.555.62-2.6213.547.38
Free Cash Flow Growth
-16.53%--83.44%104.74%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
1.38%20.71%-16.76%26.83%35.81%35.66%
FCF Margin
-19.96%22.46%-6.50%28.58%17.91%

Dividends
Chart
Fiscal Year
FY 2024FY 2023FY 2022FY 2021
Period EndingDec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.2800.4800.4800.480
Dividend Per Share Growth
-41.67%0%0%0%
Dividend Yield
3.66%3.90%3.04%3.10%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
231.9911.52-7.616.237.05
Forward PE
-12.4912.4912.4912.4912.49
P/FCF Ratio
4.3711.969.15-7.8014.03
PS Ratio
3.172.392.052.042.232.51