Summit State Bank (SSBI)
NASDAQ: SSBI · Real-Time Price · USD
12.66
+0.01 (0.11%)
At close: Sep 3, 2026, 4:00 PM EDT
12.85
+0.19 (1.47%)
After-hours: Sep 3, 2026, 4:10 PM EDT
Summit State Bank Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 2.25 | 6.8 | -4.19 | 10.82 | 16.97 | 14.7 |
Depreciation & Amortization | 0.36 | 0.38 | 0.39 | 0.39 | 0.39 | 0.41 |
Other Amortization | 0.01 | 0.01 | 0.02 | 0.02 | 0.01 | 0.02 |
Gain (Loss) on Sale of Investments | 0.8 | 0.86 | 0.94 | 0.52 | 0.11 | 0.17 |
Total Asset Writedown | - | - | 4.12 | - | - | - |
Provision for Credit Losses | 10.2 | 2.58 | 7.88 | 0.34 | 2.86 | 1.29 |
Accrued Interest Receivable | 1.48 | -3.05 | -1.27 | -1.61 | -3.62 | -0.51 |
Other Operating Activities | -0.08 | 0.05 | -1.37 | -3.29 | -4.71 | -6.03 |
Operating Cash Flow | 17.96 | 6.6 | 5.85 | -2.38 | 13.72 | 7.47 |
Operating Cash Flow Growth | 2310.20% | 12.73% | - | - | 83.54% | 100.27% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.21 | -0.05 | -0.23 | -0.24 | -0.18 | -0.09 |
Investment in Securities | 6.08 | 5.5 | 16.18 | 1 | -28.22 | -3.74 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | 98.84 | 73.58 | 24.77 | -19.56 | -84.86 | -69.22 |
Other Investing Activities | -0.05 | -0.05 | -3.93 | -1.39 | -3.92 | -1.91 |
Investing Cash Flow | 104.66 | 78.98 | 36.79 | -20.19 | -117.18 | -74.95 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | 1,165 | 1,572 | - | - | - |
Total Debt Issued | 995.4 | 1,165 | 1,572 | - | - | - |
Short-Term Debt Repaid | - | -1,165 | -1,572 | - | - | - |
Long-Term Debt Repaid | - | - | - | -41 | -7.5 | -5 |
Total Debt Repaid | -995.4 | -1,165 | -1,572 | -41 | -7.5 | -5 |
Net Debt Issued (Repaid) | - | - | - | -41 | -7.5 | -5 |
Issuance of Common Stock | - | - | - | - | - | 0.03 |
Common Dividends Paid | - | - | -1.9 | -3.25 | -3.23 | -2.99 |
Total Dividends Paid | - | - | -1.9 | -3.25 | -3.23 | -2.99 |
Net Increase (Decrease) in Deposit Accounts | -76.48 | -71.45 | -47.13 | 47.04 | 151.06 | 85.31 |
Financing Cash Flow | -76.48 | -71.45 | -49.03 | 2.79 | 140.33 | 77.35 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 46.13 | 14.12 | -6.39 | -19.78 | 36.87 | 9.87 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 17.75 | 6.55 | 5.62 | -2.62 | 13.54 | 7.38 |
Free Cash Flow Growth | 2487.46% | 16.53% | - | - | 83.44% | 104.74% |
Free Cash Flow Margin | 65.06% | 19.96% | 22.46% | -6.50% | 28.58% | 17.91% |
Free Cash Flow Per Share | 2.63 | 0.97 | 0.84 | -0.39 | 2.02 | 1.10 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 20.78 | 24.84 | 28.22 | 24.35 | 6.44 | 4.59 |
Cash Income Tax Paid | 1.19 | 0.36 | 0.43 | 6.46 | 5.65 | 5.69 |