Summit State Bank (SSBI)

Summit State Bank Statistics

Total Valuation

SSBI has a market cap or net worth of $90.81 million. The enterprise value is -$18.70 million.

Market Cap	90.81M
Enterprise Value	-18.70M

Important Dates

The last earnings date was Tuesday, April 28, 2026, before market open.

Earnings Date	Apr 28, 2026
Ex-Dividend Date	n/a

Share Statistics

SSBI has 6.78 million shares outstanding. The number of shares has increased by 0.22% in one year.

Current Share Class	6.78M
Shares Outstanding	6.78M
Shares Change (YoY)	+0.22%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	9.56%
Owned by Institutions (%)	23.58%
Float	5.77M

Valuation Ratios

The trailing PE ratio is 15.04.

PE Ratio	15.04
Forward PE	n/a
PS Ratio	2.80
Forward PS	n/a
PB Ratio	0.88
P/TBV Ratio	0.88
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
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 6.04%.

Return on Equity (ROE)	6.04%
Return on Assets (ROA)	0.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.92%
Revenue Per Employee	$315,214
Profits Per Employee	$58,019
Employee Count	103
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SSBI has paid $2.16 million in taxes.

Income Tax	2.16M
Effective Tax Rate	26.56%

Stock Price Statistics

The stock price has increased by +40.38% in the last 52 weeks. The beta is 0.18, so SSBI's price volatility has been lower than the market average.

Beta (5Y)	0.18
52-Week Price Change	+40.38%
50-Day Moving Average	13.43
200-Day Moving Average	12.35
Relative Strength Index (RSI)	42.26
Average Volume (20 Days)	4,955

Short Selling Information

The latest short interest is 10,590, so 0.16% of the outstanding shares have been sold short.

Short Interest	10,590
Short Previous Month	10,682
Short % of Shares Out	0.16%
Short % of Float	0.18%
Short Ratio (days to cover)	2.55

Income Statement

In the last 12 months, SSBI had revenue of $32.47 million and earned $5.98 million in profits. Earnings per share was $0.89.

Revenue	32.47M
Gross Profit	32.47M
Operating Income	8.14M
Pretax Income	8.14M
Net Income	5.98M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.89

Balance Sheet

The company has $115.46 million in cash and $5.95 million in debt, with a net cash position of $109.50 million or $16.16 per share.

Cash & Cash Equivalents	115.46M
Total Debt	5.95M
Net Cash	109.50M
Net Cash Per Share	$16.16
Equity (Book Value)	102.66M
Book Value Per Share	15.16
Working Capital	-747.65M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	25.06%
Pretax Margin	25.06%
Profit Margin	18.41%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

SSBI does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.22%
Shareholder Yield	-0.22%
Earnings Yield	6.58%
FCF Yield	n/a

Analyst Forecast

The average price target for SSBI is $6.55, which is -51.12% lower than the current price. The consensus rating is "Hold".

Price Target	$6.55
Price Target Difference	-51.12%
Analyst Consensus	Hold
Analyst Count	1
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
Lynch Upside
Graham Number
Graham Upside

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	2