Summit State Bank (SSBI)

Summit State Bank Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 8, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	93	79	52	83	106	104
Market Cap Growth	49.60%	51.91%	-37.87%	-21.58%	2.75%	26.57%
Last Close Price	13.75	11.63	7.65	11.94	14.85	14.12
PE Ratio	13.62	11.59	-	7.71	6.27	7.05
PS Ratio	2.84	2.40	2.07	2.07	2.25	2.51
PB Ratio	0.92	0.78	0.56	0.85	1.20	1.23
P/FCF Ratio	14.23	12.03	9.23	-	7.86	14.03
P/OCF Ratio	14.13	11.94	8.86	-	7.76	13.86
Debt / Equity Ratio	0.07	0.07	0.08	0.07	0.55	0.66
Debt / FCF Ratio	1.14	1.14	1.29	-	3.57	7.53
Net Debt / Equity Ratio	-0.57	-0.57	-0.48	-0.52	-0.33	0.18
Net Debt / FCF Ratio	-8.87	-8.87	-7.86	19.42	-2.16	2.02
Return on Equity (ROE)	7.05%	7.05%	-4.43%	11.62%	19.64%	18.38%
Return on Assets (ROA)	0.66%	0.66%	-0.38%	0.97%	1.64%	1.61%
Earnings Yield	7.29%	8.63%	-8.09%	12.97%	15.95%	14.19%
FCF Yield	7.03%	8.31%	10.84%	-3.14%	12.73%	7.13%
Dividend Yield	-	-	3.66%	4.02%	3.23%	3.40%
Payout Ratio	-	-	-	30.04%	19.01%	20.34%
Buyback Yield / Dilution	-0.25%	-0.25%	-0.23%	-0.16%	-0.07%	-0.03%
Total Shareholder Return	-	-0.25%	3.43%	3.86%	3.16%	3.37%

Updated Jan 27, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.