Summit State Bank Statistics
Total Valuation
SSBI has a market cap or net worth of $73.12 million. The enterprise value is $26.95 million.
Important Dates
The last earnings date was Wednesday, October 29, 2025, before market open.
| Earnings Date | Oct 29, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
SSBI has 6.77 million shares outstanding. The number of shares has increased by 0.16% in one year.
| Current Share Class | 6.77M |
| Shares Outstanding | 6.77M |
| Shares Change (YoY) | +0.16% |
| Shares Change (QoQ) | +0.00% |
| Owned by Insiders (%) | 25.75% |
| Owned by Institutions (%) | 21.92% |
| Float | 4.67M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | n/a |
| PS Ratio | 2.64 |
| Forward PS | n/a |
| PB Ratio | 0.73 |
| P/TBV Ratio | 0.72 |
| P/FCF Ratio | 12.87 |
| P/OCF Ratio | 12.80 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 0.98 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 4.83 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.34 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -1.41%.
| Return on Equity (ROE) | -1.41% |
| Return on Assets (ROA) | -0.13% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $258,245 |
| Profits Per Employee | -$13,330 |
| Employee Count | 106 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SSBI has paid $485,000 in taxes.
| Income Tax | 485,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +59.27% in the last 52 weeks. The beta is 0.19, so SSBI's price volatility has been lower than the market average.
| Beta (5Y) | 0.19 |
| 52-Week Price Change | +59.27% |
| 50-Day Moving Average | 11.56 |
| 200-Day Moving Average | 10.14 |
| Relative Strength Index (RSI) | 37.17 |
| Average Volume (20 Days) | 15,027 |
Short Selling Information
The latest short interest is 8,962, so 0.13% of the outstanding shares have been sold short.
| Short Interest | 8,962 |
| Short Previous Month | 8,862 |
| Short % of Shares Out | 0.13% |
| Short % of Float | 0.19% |
| Short Ratio (days to cover) | 0.58 |
Income Statement
In the last 12 months, SSBI had revenue of $27.37 million and -$1.41 million in losses. Loss per share was -$0.21.
| Revenue | 27.37M |
| Gross Profit | 27.37M |
| Operating Income | 3.19M |
| Pretax Income | -928,000 |
| Net Income | -1.41M |
| EBITDA | n/a |
| EBIT | n/a |
| Loss Per Share | -$0.21 |
Full Income StatementBalance Sheet
The company has $57.95 million in cash and $13.05 million in debt, giving a net cash position of $44.90 million or $6.63 per share.
| Cash & Cash Equivalents | 57.95M |
| Total Debt | 13.05M |
| Net Cash | 44.90M |
| Net Cash Per Share | $6.63 |
| Equity (Book Value) | 99.73M |
| Book Value Per Share | 14.73 |
| Working Capital | -828.47M |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $5.61 million and capital expenditures -$30,000, giving a free cash flow of $5.58 million.
| Operating Cash Flow | 5.61M |
| Capital Expenditures | -30,000 |
| Free Cash Flow | 5.58M |
| FCF Per Share | $0.82 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 11.66% |
| Pretax Margin | -3.39% |
| Profit Margin | -5.16% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 20.40% |
