Summit State Bank (SSBI)

Summit State Bank Statistics

Total Valuation

SSBI has a market cap or net worth of $80.25 million. The enterprise value is $20.79 million.

Market Cap	80.25M
Enterprise Value	20.79M

Important Dates

The last earnings date was Tuesday, July 29, 2025, before market open.

Earnings Date	Jul 29, 2025
Ex-Dividend Date	Oct 3, 2024

Share Statistics

SSBI has 6.77 million shares outstanding. The number of shares has increased by 0.24% in one year.

Current Share Class	6.77M
Shares Outstanding	6.77M
Shares Change (YoY)	+0.24%
Shares Change (QoQ)	+0.22%
Owned by Insiders (%)	25.76%
Owned by Institutions (%)	15.71%
Float	4.24M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	2.93
Forward PS	n/a
PB Ratio	0.83
P/TBV Ratio	0.83
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	0.75
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -1.64%.

Return on Equity (ROE)	-1.64%
Return on Assets (ROA)	-0.15%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$260,066
Profits Per Employee	-$15,132
Employee Count	106
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SSBI has paid $234,000 in taxes.

Income Tax	234,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +46.70% in the last 52 weeks. The beta is 0.14, so SSBI's price volatility has been lower than the market average.

Beta (5Y)	0.14
52-Week Price Change	+46.70%
50-Day Moving Average	11.05
200-Day Moving Average	8.81
Relative Strength Index (RSI)	58.23
Average Volume (20 Days)	11,251

Short Selling Information

The latest short interest is 11,112, so 0.16% of the outstanding shares have been sold short.

Short Interest	11,112
Short Previous Month	17,341
Short % of Shares Out	0.16%
Short % of Float	0.26%
Short Ratio (days to cover)	0.51

Income Statement

In the last 12 months, SSBI had revenue of $27.57 million and -$1.60 million in losses. Loss per share was -$0.24.

Revenue	27.57M
Gross Profit	27.57M
Operating Income	2.75M
Pretax Income	11.51M
Net Income	-1.60M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$0.24

Balance Sheet

The company has $66.41 million in cash and $5.94 million in debt, giving a net cash position of $60.47 million or $8.93 per share.

Cash & Cash Equivalents	66.41M
Total Debt	5.94M
Net Cash	60.47M
Net Cash Per Share	$8.93
Equity (Book Value)	98.11M
Book Value Per Share	14.49
Working Capital	-831.91M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	9.97%
Pretax Margin	-4.97%
Profit Margin	-5.82%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.04, which amounts to a dividend yield of 0.33%.

Dividend Per Share	$0.04
Dividend Yield	0.33%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.24%
Shareholder Yield	0.09%
Earnings Yield	-1.97%
FCF Yield	n/a

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on October 28, 2021. It was a forward split with a ratio of 1.1:1.

Last Split Date	Oct 28, 2021
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	n/a