Summit State Bank Statistics
Total Valuation
SSBI has a market cap or net worth of $78.07 million. The enterprise value is -$7.31 million.
| Market Cap | 78.07M |
| Enterprise Value | -7.31M |
Important Dates
The last earnings date was Tuesday, October 27, 2026, before market open.
| Earnings Date | Oct 27, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
SSBI has 6.75 million shares outstanding. The number of shares has increased by 0.16% in one year.
| Current Share Class | 6.75M |
| Shares Outstanding | 6.75M |
| Shares Change (YoY) | +0.16% |
| Shares Change (QoQ) | +0.00% |
| Owned by Insiders (%) | 7.45% |
| Owned by Institutions (%) | 26.63% |
| Float | 5.89M |
Valuation Ratios
The trailing PE ratio is 231.99.
| PE Ratio | 231.99 |
| Forward PE | n/a |
| PS Ratio | 3.17 |
| Forward PS | n/a |
| PB Ratio | 0.78 |
| P/TBV Ratio | 0.78 |
| P/FCF Ratio | 4.37 |
| P/OCF Ratio | 4.32 |
| 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 | 0.06 |
| Debt / EBITDA | n/a |
| Debt / FCF | 0.34 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 0.34%.
| Return on Equity (ROE) | 0.34% |
| Return on Assets (ROA) | 0.03% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.72% |
| Revenue Per Employee | $237,330 |
| Profits Per Employee | $3,262 |
| Employee Count | 103 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -318,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +6.49% in the last 52 weeks. The beta is 0.35, so SSBI's price volatility has been lower than the market average.
| Beta (5Y) | 0.35 |
| 52-Week Price Change | +6.49% |
| 50-Day Moving Average | 12.40 |
| 200-Day Moving Average | 13.02 |
| Relative Strength Index (RSI) | 39.64 |
| Average Volume (20 Days) | 3,392 |
Short Selling Information
The latest short interest is 8,176, so 0.12% of the outstanding shares have been sold short.
| Short Interest | 8,176 |
| Short Previous Month | 8,466 |
| Short % of Shares Out | 0.12% |
| Short % of Float | 0.14% |
| Short Ratio (days to cover) | 2.20 |
Income Statement
In the last 12 months, SSBI had revenue of $24.45 million and earned $336,000 in profits. Earnings per share was $0.05.
| Revenue | 24.45M |
| Gross Profit | 24.45M |
| Operating Income | 18,000 |
| Pretax Income | 18,000 |
| Net Income | 336,000 |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.05 |
Balance Sheet
The company has $91.34 million in cash and $5.96 million in debt, with a net cash position of $85.38 million or $12.65 per share.
| Cash & Cash Equivalents | 91.34M |
| Total Debt | 5.96M |
| Net Cash | 85.38M |
| Net Cash Per Share | $12.65 |
| Equity (Book Value) | 98.83M |
| Book Value Per Share | 14.65 |
| Working Capital | -715.78M |
Cash Flow
In the last 12 months, operating cash flow was $17.96 million and capital expenditures -$206,000, giving a free cash flow of $17.75 million.
| Operating Cash Flow | 17.96M |
| Capital Expenditures | -206,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | 17.75M |
| FCF Per Share | $2.63 |
Margins
| Gross Margin | n/a |
| Operating Margin | 0.07% |
| Pretax Margin | 0.07% |
| Profit Margin | 1.37% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 65.06% |
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 |
| FCF Payout Ratio | n/a |
| Buyback Yield | -0.16% |
| Shareholder Yield | -0.16% |
| Earnings Yield | 0.43% |
| FCF Yield | 22.89% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | 4 |