Summit State Bank Statistics
Total Valuation
SSBI has a market cap or net worth of $91.75 million. The enterprise value is -$16.24 million.
| Market Cap | 91.75M |
| Enterprise Value | -16.24M |
Important Dates
The next estimated earnings date is Tuesday, July 28, 2026, before market open.
| Earnings Date | Jul 28, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
SSBI has 6.77 million shares outstanding. The number of shares has increased by 0.23% in one year.
| Current Share Class | 6.77M |
| Shares Outstanding | 6.77M |
| Shares Change (YoY) | +0.23% |
| Shares Change (QoQ) | n/a |
| Owned by Insiders (%) | 9.55% |
| Owned by Institutions (%) | 25.21% |
| Float | 5.77M |
Valuation Ratios
The trailing PE ratio is 15.28.
| PE Ratio | 15.28 |
| Forward PE | n/a |
| PS Ratio | 2.83 |
| Forward PS | n/a |
| PB Ratio | 0.89 |
| P/TBV Ratio | 0.89 |
| P/FCF Ratio | 6.80 |
| P/OCF Ratio | 6.77 |
| 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 | 0.55 |
| 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) | 4.84% |
| 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 +25.00% 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 | +25.00% |
| 50-Day Moving Average | 13.60 |
| 200-Day Moving Average | 12.59 |
| Relative Strength Index (RSI) | 47.79 |
| Average Volume (20 Days) | 5,211 |
Short Selling Information
The latest short interest is 10,009, so 0.15% of the outstanding shares have been sold short.
| Short Interest | 10,009 |
| Short Previous Month | 12,497 |
| Short % of Shares Out | 0.15% |
| Short % of Float | 0.17% |
| Short Ratio (days to cover) | 2.38 |
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 $7.39 million in debt, with a net cash position of $108.06 million or $15.96 per share.
| Cash & Cash Equivalents | 115.46M |
| Total Debt | 7.39M |
| Net Cash | 108.06M |
| Net Cash Per Share | $15.96 |
| Equity (Book Value) | 102.66M |
| Book Value Per Share | 15.16 |
| Working Capital | -758.99M |
Cash Flow
In the last 12 months, operating cash flow was $13.55 million and capital expenditures -$44,000, giving a free cash flow of $13.51 million.
| Operating Cash Flow | 13.55M |
| Capital Expenditures | -44,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | 13.51M |
| FCF Per Share | $2.00 |
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 | 41.61% |
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 | -0.23% |
| Shareholder Yield | -0.23% |
| Earnings Yield | 6.51% |
| FCF Yield | 14.71% |
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 |