Financhill
Buy
73

SSBI Quote, Financials, Valuation and Earnings

Last price:
$13.69
Seasonality move :
2.03%
Day range:
$12.70 - $13.69
52-week range:
$7.50 - $14.00
Dividend yield:
0%
P/E ratio:
13.55x
P/S ratio:
1.57x
P/B ratio:
0.93x
Volume:
783
Avg. volume:
7.8K
1-year change:
81.57%
Market cap:
$92.7M
Revenue:
$58.8M
EPS (TTM):
$1.01

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
SSBI
Summit State Bank (California)
-- -- -- -- --
ABCB
Ameris Bancorp
$310.5M $1.58 -16.01% 22.33% $90.07
AROW
Arrow Financial Corp.
$43.3M $0.80 -24.75% 108.72% $34.50
ASB
Associated Banc-Corp
$382.3M $0.70 -34.19% 16.51% $30.20
ASRV
AmeriServ Financial, Inc.
-- -- -- -- --
ATLO
Ames National Corp.
-- -- -- -- --
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
SSBI
Summit State Bank (California)
$13.69 -- $92.7M 13.55x $0.04 0% 1.57x
ABCB
Ameris Bancorp
$83.73 $90.07 $5.7B 13.94x $0.20 0.96% 3.53x
AROW
Arrow Financial Corp.
$35.12 $34.50 $577.6M 13.19x $0.30 3.3% 2.39x
ASB
Associated Banc-Corp
$28.56 $30.20 $4.7B 10.32x $0.24 3.26% 1.94x
ASRV
AmeriServ Financial, Inc.
$3.85 -- $65.3M 11.34x $0.03 3.12% 0.72x
ATLO
Ames National Corp.
$27.85 -- $246.7M 13.04x $0.20 2.87% 2.52x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
SSBI
Summit State Bank (California)
5.55% -0.180 7.55% 0.00x
ABCB
Ameris Bancorp
14.52% 1.152 13.7% 0.00x
AROW
Arrow Financial Corp.
6.33% 0.449 5.65% 0.00x
ASB
Associated Banc-Corp
45.83% 0.971 94.17% 0.00x
ASRV
AmeriServ Financial, Inc.
27.22% 1.533 84.65% 0.00x
ATLO
Ames National Corp.
22.44% 0.547 29.58% 0.00x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
SSBI
Summit State Bank (California)
-- $1.4M 6.46% 6.99% 52.29% $7.2M
ABCB
Ameris Bancorp
-- $141.1M 9.31% 10.52% 60.46% $100.5M
AROW
Arrow Financial Corp.
-- $16.8M 9.8% 10.65% 57.62% $14.3M
ASB
Associated Banc-Corp
-- $162.1M 5.43% 9.88% 63.59% $133.9M
ASRV
AmeriServ Financial, Inc.
-- $1.7M 2.91% 4.99% 39.53% $1.2M
ATLO
Ames National Corp.
-- $8.3M 7.13% 9.92% 60.12% $2.7M

Summit State Bank (California) vs. Competitors

  • Which has Higher Returns SSBI or ABCB?

    Ameris Bancorp has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 25.81%. Summit State Bank (California)'s return on equity of 6.99% beat Ameris Bancorp's return on equity of 10.52%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    ABCB
    Ameris Bancorp
    -- $1.59 $4.8B
  • What do Analysts Say About SSBI or ABCB?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand Ameris Bancorp has an analysts' consensus of $90.07 which suggests that it could grow by 7.57%. Given that Ameris Bancorp has higher upside potential than Summit State Bank (California), analysts believe Ameris Bancorp is more attractive than Summit State Bank (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    ABCB
    Ameris Bancorp
    2 2 0
  • Is SSBI or ABCB More Risky?

    Summit State Bank (California) has a beta of 0.202, which suggesting that the stock is 79.812% less volatile than S&P 500. In comparison Ameris Bancorp has a beta of 0.993, suggesting its less volatile than the S&P 500 by 0.697%.

  • Which is a Better Dividend Stock SSBI or ABCB?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. Ameris Bancorp offers a yield of 0.96% to investors and pays a quarterly dividend of $0.20 per share. Summit State Bank (California) pays -- of its earnings as a dividend. Ameris Bancorp pays out 13.33% of its earnings as a dividend. Ameris Bancorp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBI or ABCB?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than Ameris Bancorp quarterly revenues of $419.9M. Summit State Bank (California)'s net income of $1.1M is lower than Ameris Bancorp's net income of $108.4M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.55x while Ameris Bancorp's PE ratio is 13.94x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Summit State Bank (California) is 1.57x versus 3.53x for Ameris Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBI
    Summit State Bank (California)
    1.57x 13.55x $13M $1.1M
    ABCB
    Ameris Bancorp
    3.53x 13.94x $419.9M $108.4M
  • Which has Higher Returns SSBI or AROW?

    Arrow Financial Corp. has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 22.29%. Summit State Bank (California)'s return on equity of 6.99% beat Arrow Financial Corp.'s return on equity of 10.65%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    AROW
    Arrow Financial Corp.
    -- $0.85 $461M
  • What do Analysts Say About SSBI or AROW?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand Arrow Financial Corp. has an analysts' consensus of $34.50 which suggests that it could fall by -1.77%. Given that Arrow Financial Corp. has higher upside potential than Summit State Bank (California), analysts believe Arrow Financial Corp. is more attractive than Summit State Bank (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    AROW
    Arrow Financial Corp.
    0 1 0
  • Is SSBI or AROW More Risky?

    Summit State Bank (California) has a beta of 0.202, which suggesting that the stock is 79.812% less volatile than S&P 500. In comparison Arrow Financial Corp. has a beta of 0.820, suggesting its less volatile than the S&P 500 by 18.047%.

  • Which is a Better Dividend Stock SSBI or AROW?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. Arrow Financial Corp. offers a yield of 3.3% to investors and pays a quarterly dividend of $0.30 per share. Summit State Bank (California) pays -- of its earnings as a dividend. Arrow Financial Corp. pays out 43.02% of its earnings as a dividend. Arrow Financial Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBI or AROW?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than Arrow Financial Corp. quarterly revenues of $62.9M. Summit State Bank (California)'s net income of $1.1M is lower than Arrow Financial Corp.'s net income of $14M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.55x while Arrow Financial Corp.'s PE ratio is 13.19x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Summit State Bank (California) is 1.57x versus 2.39x for Arrow Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBI
    Summit State Bank (California)
    1.57x 13.55x $13M $1.1M
    AROW
    Arrow Financial Corp.
    2.39x 13.19x $62.9M $14M
  • Which has Higher Returns SSBI or ASB?

    Associated Banc-Corp has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 21.85%. Summit State Bank (California)'s return on equity of 6.99% beat Associated Banc-Corp's return on equity of 9.88%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    ASB
    Associated Banc-Corp
    -- $0.80 $9.2B
  • What do Analysts Say About SSBI or ASB?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand Associated Banc-Corp has an analysts' consensus of $30.20 which suggests that it could grow by 5.74%. Given that Associated Banc-Corp has higher upside potential than Summit State Bank (California), analysts believe Associated Banc-Corp is more attractive than Summit State Bank (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    ASB
    Associated Banc-Corp
    1 8 0
  • Is SSBI or ASB More Risky?

    Summit State Bank (California) has a beta of 0.202, which suggesting that the stock is 79.812% less volatile than S&P 500. In comparison Associated Banc-Corp has a beta of 0.806, suggesting its less volatile than the S&P 500 by 19.4%.

  • Which is a Better Dividend Stock SSBI or ASB?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. Associated Banc-Corp offers a yield of 3.26% to investors and pays a quarterly dividend of $0.24 per share. Summit State Bank (California) pays -- of its earnings as a dividend. Associated Banc-Corp pays out 33.61% of its earnings as a dividend. Associated Banc-Corp's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBI or ASB?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than Associated Banc-Corp quarterly revenues of $624.7M. Summit State Bank (California)'s net income of $1.1M is lower than Associated Banc-Corp's net income of $136.5M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.55x while Associated Banc-Corp's PE ratio is 10.32x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Summit State Bank (California) is 1.57x versus 1.94x for Associated Banc-Corp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBI
    Summit State Bank (California)
    1.57x 13.55x $13M $1.1M
    ASB
    Associated Banc-Corp
    1.94x 10.32x $624.7M $136.5M
  • Which has Higher Returns SSBI or ASRV?

    AmeriServ Financial, Inc. has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 6.4%. Summit State Bank (California)'s return on equity of 6.99% beat AmeriServ Financial, Inc.'s return on equity of 4.99%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    ASRV
    AmeriServ Financial, Inc.
    -- $0.09 $163.9M
  • What do Analysts Say About SSBI or ASRV?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand AmeriServ Financial, Inc. has an analysts' consensus of -- which suggests that it could fall by --. Given that Summit State Bank (California) has higher upside potential than AmeriServ Financial, Inc., analysts believe Summit State Bank (California) is more attractive than AmeriServ Financial, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    ASRV
    AmeriServ Financial, Inc.
    0 0 0
  • Is SSBI or ASRV More Risky?

    Summit State Bank (California) has a beta of 0.202, which suggesting that the stock is 79.812% less volatile than S&P 500. In comparison AmeriServ Financial, Inc. has a beta of 0.488, suggesting its less volatile than the S&P 500 by 51.25%.

  • Which is a Better Dividend Stock SSBI or ASRV?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. AmeriServ Financial, Inc. offers a yield of 3.12% to investors and pays a quarterly dividend of $0.03 per share. Summit State Bank (California) pays -- of its earnings as a dividend. AmeriServ Financial, Inc. pays out 35.35% of its earnings as a dividend. AmeriServ Financial, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBI or ASRV?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than AmeriServ Financial, Inc. quarterly revenues of $22.5M. Summit State Bank (California)'s net income of $1.1M is lower than AmeriServ Financial, Inc.'s net income of $1.4M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.55x while AmeriServ Financial, Inc.'s PE ratio is 11.34x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Summit State Bank (California) is 1.57x versus 0.72x for AmeriServ Financial, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBI
    Summit State Bank (California)
    1.57x 13.55x $13M $1.1M
    ASRV
    AmeriServ Financial, Inc.
    0.72x 11.34x $22.5M $1.4M
  • Which has Higher Returns SSBI or ATLO?

    Ames National Corp. has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 24.97%. Summit State Bank (California)'s return on equity of 6.99% beat Ames National Corp.'s return on equity of 9.92%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    ATLO
    Ames National Corp.
    -- $0.73 $268M
  • What do Analysts Say About SSBI or ATLO?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand Ames National Corp. has an analysts' consensus of -- which suggests that it could fall by --. Given that Summit State Bank (California) has higher upside potential than Ames National Corp., analysts believe Summit State Bank (California) is more attractive than Ames National Corp..

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    ATLO
    Ames National Corp.
    0 0 0
  • Is SSBI or ATLO More Risky?

    Summit State Bank (California) has a beta of 0.202, which suggesting that the stock is 79.812% less volatile than S&P 500. In comparison Ames National Corp. has a beta of 0.400, suggesting its less volatile than the S&P 500 by 59.973%.

  • Which is a Better Dividend Stock SSBI or ATLO?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. Ames National Corp. offers a yield of 2.87% to investors and pays a quarterly dividend of $0.20 per share. Summit State Bank (California) pays -- of its earnings as a dividend. Ames National Corp. pays out 28.05% of its earnings as a dividend. Ames National Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBI or ATLO?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than Ames National Corp. quarterly revenues of $26.1M. Summit State Bank (California)'s net income of $1.1M is lower than Ames National Corp.'s net income of $6.5M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.55x while Ames National Corp.'s PE ratio is 13.04x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Summit State Bank (California) is 1.57x versus 2.52x for Ames National Corp.. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    SSBI
    Summit State Bank (California)
    1.57x 13.55x $13M $1.1M
    ATLO
    Ames National Corp.
    2.52x 13.04x $26.1M $6.5M

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