Stock Scorecard
Stock Summary for Summit State Bank (SSBI) - $13.52 as of 5/14/2026 6:44:28 AM EST
Total Score
17 out of 30
Safety Score
20 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for SSBI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SSBI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SSBI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SSBI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SSBI (20 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 8 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for SSBI
Financial Details for SSBI
Company Overview |
|
|---|---|
| Ticker | SSBI |
| Company Name | Summit State Bank |
| Country | N/A |
| Description | Summit State Bank offers a variety of banking products and services to individuals and businesses primarily in Sonoma County, California. The company is headquartered in Santa Rosa, California. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 13.52 |
| Price 4 Years Ago | 14.84 |
| Last Day Price Updated | 5/14/2026 6:44:28 AM EST |
| Last Day Volume | 15,331 |
| Average Daily Volume | 3,975 |
| 52-Week High | 14.00 |
| 52-Week Low | 9.20 |
| Last Price to 52 Week Low | 46.96% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 14.04 |
| Sector PE | 59.85 |
| 5-Year Average PE | 12.90 |
| Free Cash Flow Ratio | 0.79 |
| Industry Free Cash Flow Ratio | 16.04 |
| Sector Free Cash Flow Ratio | 31.40 |
| Current Ratio Most Recent Quarter | 171.08 |
| Total Cash Per Share | 17.05 |
| Book Value Per Share Most Recent Quarter | 15.16 |
| Price to Book Ratio | 0.92 |
| Industry Price to Book Ratio | 1.15 |
| Sector Price to Book Ratio | 1.99 |
| Price to Sales Ratio Twelve Trailing Months | 2.86 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.24 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.10 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 6,771,500 |
| Market Capitalization | 91,550,680 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 10/3/2024 |
| Previous Dividend Amount | 0.1200 |
| Current Dividend Amount | 0.0400 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.40 |
| Trailing Annual Dividend Yield | 3.34% |
| Forward Annual Dividend Rate | 0.16 |
| Forward Annual Dividend Yield | 1.34% |
| 5-Year Dividend Payments Count | 16 |
| 3-Year Average Dividend Yield | 3.63% |
| 5-Year Average Dividend Yield | 3.62% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 3.59% |
| 5-Year Dividend Growth Rate Percentage | 2.41% |
| All-Time Dividend Growth Rate Percentage | 3.86% |
| Dividend Payout Ratio | -166.67% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -32.80% |
| Annual Earnings Growth | 262.08% |
| Reported EPS 12 Trailing Months | 0.89 |
| Reported EPS Past Year | 0.25 |
| Reported EPS Prior Year | 1.01 |
| Net Income Twelve Trailing Months | 5,976,000 |
| Net Income Past Year | 6,796,000 |
| Net Income Prior Year | -4,193,000 |
| Quarterly Revenue Growth YOY | -3.60% |
| 5-Year Revenue Growth | 7.71% |
| Operating Margin Twelve Trailing Months | 25.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 115,456,000 |
| Total Cash Past Year | 65,524,000 |
| Total Cash Prior Year | 51,403,000 |
| Net Cash Position Most Recent Quarter | 109,507,000 |
| Net Cash Position Past Year | 59,575,000 |
| Long Term Debt Past Year | 5,949,000 |
| Long Term Debt Prior Year | 5,935,000 |
| Total Debt Most Recent Quarter | 5,949,000 |
| Equity to Debt Ratio Past Year | 0.94 |
| Equity to Debt Ratio Most Recent Quarter | 0.95 |
| Total Stockholder Equity Past Year | 101,171,000 |
| Total Stockholder Equity Prior Year | 91,723,000 |
| Total Stockholder Equity Most Recent Quarter | 102,661,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 6,548,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 0.97 |
| Free Cash Flow Past Year | 6,548,000 |
| Free Cash Flow Prior Year | 5,619,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.03 |
| MACD Signal | 0.05 |
| 20-Day Bollinger Lower Band | 12.41 |
| 20-Day Bollinger Middle Band | 13.36 |
| 20-Day Bollinger Upper Band | 14.31 |
| Beta | 0.18 |
| RSI | 48.15 |
| 50-Day SMA | 10.92 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 5/15/2026 8:20:57 AM EST |