Financhill
Buy
70

SSBI Quote, Financials, Valuation and Earnings

Last price:
$11.68
Seasonality move :
4.5%
Day range:
$11.61 - $11.70
52-week range:
$6.95 - $12.60
Dividend yield:
0%
P/E ratio:
12.64x
P/S ratio:
1.27x
P/B ratio:
0.78x
Volume:
1K
Avg. volume:
7.5K
1-year change:
53.8%
Market cap:
$78.3M
Revenue:
$62.2M
EPS (TTM):
-$0.21

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Downside
    No price target exists because of limited analyst coverage.
  • Price Target Upside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, Summit State Bank (California) has -- downside to fair value with a price target of -- per share.

SSBI vs. S&P 500

  • Over the past 5 trading days, Summit State Bank (California) has underperformed the S&P 500 by -2.2% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Summit State Bank (California) does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Summit State Bank (California) revenues have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Summit State Bank (California) reported revenues of $15.1M.

Earnings Growth

  • Summit State Bank (California) has grown year-over-year earnings for 3 quarters straight. In the most recent quarter Summit State Bank (California) reported earnings per share of $0.12.
Enterprise value:
91.3M
EV / Invested capital:
0.81x
Price / LTM sales:
1.27x
EV / EBIT:
3.75x
EV / Revenue:
1.49x
PEG ratio (5yr expected):
--
EV / Free cash flow:
16.36x
Price / Operating cash flow:
13.93x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
-0.13%
Net Income Margin (TTM):
-2.3%
Return On Equity:
-1.46%
Return On Invested Capital:
-1.34%
Operating Margin:
8.42%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $66.4M $61.9M $61.4M $16M $15.1M
Gross Profit -- -- -- -- --
Operating Income $18.9M $6.9M $3.2M $828K $1.3M
EBITDA -- -- -- -- --
Diluted EPS $2.01 $0.72 -$0.21 $0.09 $0.12
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $40.7M $46.1M $90.4M $89.6M $65.7M
Total Assets $922.6M $1B $1.1B $1.1B $1B
Current Liabilities $540.5M $671.1M $606.6M $625.9M $677.7M
Total Liabilities $840.6M $959.4M $1B $1B $906.8M
Total Equity $82M $84.4M $93.4M $100.7M $99.7M
Total Debt $86.8M $80.7M $6.5M $6.6M $12.7M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $6M $3.3M $5.6M $2.3M $7.2M
Cash From Investing -$47.2M $21.8M $79.9M $6M $12.7M
Cash From Financing $85M -$30.8M -$108.5M $32.4M -$28.3M
Free Cash Flow $5.8M $3M $5.6M $2.3M $7.2M
SSBI
Sector
Market Cap
$78.3M
$565.4M
Price % of 52-Week High
91.75%
92.48%
Dividend Yield
0%
1.57%
Shareholder Yield
2.65%
3.12%
1-Year Price Total Return
51.31%
8.05%
Beta (5-Year)
0.197
0.478
Dividend yield:
0%
Annualized payout:
$0.28
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $11.55
200-day SMA
Buy
Level $10.67
Bollinger Bands (100)
Buy
Level 11.05 - 12.03
Chaikin Money Flow
Sell
Level -9.1K
20-day SMA
Buy
Level $11.23
Relative Strength Index (RSI14)
Buy
Level 60.72
ADX Line
Buy
Level 12.66
Williams %R
Neutral
Level -35.4658
50-day SMA
Buy
Level $11.18
MACD (12, 26)
Buy
Level 2.86
25-day Aroon Oscillator
Buy
Level 56
On Balance Volume
Neutral
Level 11.3K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.1575)
Sell
CA Score (Annual)
Level (-2.2411)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (2.3066)
Buy
Piotroski F Score (Annual)
Level (5)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Summit State Bank engages in providing an array of financial services to small and medium-sized businesses, their owners and employees, entrepreneurs, high net worth families, foundations, estates, and individual consumers. It specializes in business services, personal accounts, nonprofit programs, and mobile banking ranging from lending, checking, merchant, eBanking, automated teller machines, equity loans, and others. The company was founded on December 20, 1982 and is headquartered in Santa Rosa, CA.

Stock Forecast FAQ

In the current month, SSBI has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The SSBI average analyst price target in the past 3 months is --.

  • Where Will Summit State Bank (California) Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Summit State Bank (California) share price will drop to -- per share over the next 12 months.

  • What Do Analysts Say About Summit State Bank (California)?

    Analysts are divided on their view about Summit State Bank (California) share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Summit State Bank (California) is a Sell and believe this share price will rise from its current level to --.

  • What Is Summit State Bank (California)'s Price Target?

    The price target for Summit State Bank (California) over the next 1-year time period is forecast to be -- according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is SSBI A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Summit State Bank (California) is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of SSBI?

    You can purchase shares of Summit State Bank (California) via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Summit State Bank (California) shares.

  • What Is The Summit State Bank (California) Share Price Today?

    Summit State Bank (California) was last trading at $11.68 per share. This represents the most recent stock quote for Summit State Bank (California). Yesterday, Summit State Bank (California) closed at $11.61 per share.

  • How To Buy Summit State Bank (California) Stock Online?

    In order to purchase Summit State Bank (California) stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

SEE THE 1% OF STOCKS YOU NEED TO OWN FOR MASSIVE RETURNS

GET BETTER TRADE IDEAS

Popular

Is SentinelOne Stock Undervalued?
Is SentinelOne Stock Undervalued?

Cybersecurity major SentinelOne (NYSE:S) has struggled over several years, delivering…

Is Broadcom Stock on Sale?
Is Broadcom Stock on Sale?

Chip and software maker Broadcom (NASDAQ:AVGO) has been among the…

Is Bloom Energy The Best Stock to Buy Now?
Is Bloom Energy The Best Stock to Buy Now?

Shares of energy startup Bloom Energy (NYSE:BE) have advanced by…

Stock Ideas

Buy
59
Is NVDA Stock a Buy?

Market Cap: $4.6T
P/E Ratio: 64x

Buy
53
Is AAPL Stock a Buy?

Market Cap: $4T
P/E Ratio: 36x

Buy
61
Is GOOG Stock a Buy?

Market Cap: $3.8T
P/E Ratio: 39x

Alerts

Buy
60
AAOI alert for Dec 23

Applied Optoelectronics, Inc. [AAOI] is up 3.95% over the past day.

Buy
60
ZBIO alert for Dec 24

Zenas BioPharma, Inc. [ZBIO] is up 1.18% over the past day.

Buy
54
UNF alert for Dec 24

UniFirst Corp. [UNF] is up 0.77% over the past day.

THE #1 STOCK ANALYSIS TOOL
TO MAKE SMARTER BUY AND SELL DECISIONS

Show me the best stock