Summit State Bank (SSBI)

Summit State Bank Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 8, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	81	52	83	106	104	82
Market Cap Growth	42.62%	-37.87%	-21.58%	2.75%	26.57%	3.97%
Last Close Price	12.00	7.65	11.94	14.85	14.12	10.84
PE Ratio	-	-	7.71	6.27	7.05	7.78
PS Ratio	2.93	2.07	2.07	2.25	2.51	2.51
PB Ratio	0.83	0.56	0.85	1.20	1.23	1.08
P/FCF Ratio	118.63	9.23	-	7.86	14.03	22.69
P/OCF Ratio	109.22	8.86	-	7.76	13.86	21.92
Debt / Equity Ratio	0.07	0.08	0.07	0.55	0.66	0.80
Debt / FCF Ratio	10.24	1.29	-	3.57	7.53	16.85
Return on Equity (ROE)	-1.64%	-4.43%	11.62%	19.64%	18.38%	14.71%
Return on Assets (ROA)	-0.15%	-0.38%	0.97%	1.64%	1.61%	1.35%
Earnings Yield	-1.97%	-8.09%	12.97%	15.95%	14.19%	12.85%
FCF Yield	0.84%	10.84%	-3.14%	12.73%	7.13%	4.41%
Dividend Yield	-	3.66%	4.02%	3.23%	3.40%	4.43%
Payout Ratio	-	-	30.04%	19.01%	20.34%	27.70%
Buyback Yield / Dilution	-0.24%	-0.24%	-0.16%	-0.07%	-0.03%	0.01%
Total Shareholder Return	-	3.42%	3.86%	3.16%	3.37%	4.44%

Updated Jul 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.