Financhill
Buy
68

SSBI Quote, Financials, Valuation and Earnings

Last price:
$13.72
Seasonality move :
3.48%
Day range:
$13.70 - $13.78
52-week range:
$6.95 - $14.00
Dividend yield:
0%
P/E ratio:
13.60x
P/S ratio:
1.57x
P/B ratio:
0.93x
Volume:
19.1K
Avg. volume:
7K
1-year change:
86.68%
Market cap:
$93M
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)
-- -- -- -- --
BHB
Bar Harbor Bankshares
$42.8M $0.88 -23.81% 30.39% $36.50
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
-- -- -- -- --
OPHC
OptimumBank Holdings, Inc.
-- -$0.03 -- -- $5.00
PRK
Park National Corp.
$142.1M $2.80 -0.68% 3.81% $181.50
TMP
Tompkins Financial Corp.
$84.2M $1.65 -28.7% 24.43% $81.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
SSBI
Summit State Bank (California)
$13.74 -- $93M 13.60x $0.04 0% 1.57x
BHB
Bar Harbor Bankshares
$34.60 $36.50 $577.9M 15.02x $0.32 3.64% 2.26x
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
$4.29 -- $392.4M 40.47x $0.25 0% 2.67x
OPHC
OptimumBank Holdings, Inc.
$4.86 $5.00 $56.1M 4.84x $0.00 0% 1.01x
PRK
Park National Corp.
$166.27 $181.50 $3B 14.97x $2.32 2.57% 4.05x
TMP
Tompkins Financial Corp.
$81.12 $81.00 $1.2B 7.23x $0.65 3.09% 2.96x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
SSBI
Summit State Bank (California)
5.55% -0.180 7.55% 0.00x
BHB
Bar Harbor Bankshares
33.61% 0.357 51.99% 0.00x
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
34.69% 0.825 44.02% 0.00x
OPHC
OptimumBank Holdings, Inc.
30.2% 0.399 107.6% 0.00x
PRK
Park National Corp.
5.7% 0.973 3.34% 0.00x
TMP
Tompkins Financial Corp.
41.29% 0.714 63.44% 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
BHB
Bar Harbor Bankshares
-- $15.1M 4.93% 7.54% 49.46% $18.1M
BRBS
Blue Ridge Bankshares, Inc. (Virginia)
-- $5.4M 2.05% 3.17% 54.67% $5.7M
OPHC
OptimumBank Holdings, Inc.
-- $6.5M 12.15% 14.83% 62.92% $1.9M
PRK
Park National Corp.
-- $52.7M 11.9% 13.85% 45.55% $45.1M
TMP
Tompkins Financial Corp.
-- -$48.5M 10.92% 20.42% 446.4% $33.9M

Summit State Bank (California) vs. Competitors

  • Which has Higher Returns SSBI or BHB?

    Bar Harbor Bankshares has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 17.37%. Summit State Bank (California)'s return on equity of 6.99% beat Bar Harbor Bankshares's return on equity of 7.54%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    BHB
    Bar Harbor Bankshares
    -- $0.70 $802.2M
  • What do Analysts Say About SSBI or BHB?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand Bar Harbor Bankshares has an analysts' consensus of $36.50 which suggests that it could grow by 5.49%. Given that Bar Harbor Bankshares has higher upside potential than Summit State Bank (California), analysts believe Bar Harbor Bankshares is more attractive than Summit State Bank (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 1 0
  • Is SSBI or BHB 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 Bar Harbor Bankshares has a beta of 0.654, suggesting its less volatile than the S&P 500 by 34.641%.

  • Which is a Better Dividend Stock SSBI or BHB?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. Bar Harbor Bankshares offers a yield of 3.64% to investors and pays a quarterly dividend of $0.32 per share. Summit State Bank (California) pays -- of its earnings as a dividend. Bar Harbor Bankshares pays out 54.55% of its earnings as a dividend. Bar Harbor Bankshares's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBI or BHB?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than Bar Harbor Bankshares quarterly revenues of $67.7M. Summit State Bank (California)'s net income of $1.1M is lower than Bar Harbor Bankshares's net income of $11.8M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.60x while Bar Harbor Bankshares's PE ratio is 15.02x. 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 2.26x for Bar Harbor Bankshares. 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 13.60x $13M $1.1M
    BHB
    Bar Harbor Bankshares
    2.26x 15.02x $67.7M $11.8M
  • Which has Higher Returns SSBI or BRBS?

    Blue Ridge Bankshares, Inc. (Virginia) has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 12.38%. Summit State Bank (California)'s return on equity of 6.99% beat Blue Ridge Bankshares, Inc. (Virginia)'s return on equity of 3.17%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    -- $0.04 $495.6M
  • What do Analysts Say About SSBI or BRBS?

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

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    0 0 0
  • Is SSBI or BRBS 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 Blue Ridge Bankshares, Inc. (Virginia) has a beta of 0.874, suggesting its less volatile than the S&P 500 by 12.615%.

  • Which is a Better Dividend Stock SSBI or BRBS?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. Blue Ridge Bankshares, Inc. (Virginia) offers a yield of 0% to investors and pays a quarterly dividend of $0.25 per share. Summit State Bank (California) pays -- of its earnings as a dividend. Blue Ridge Bankshares, Inc. (Virginia) pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios SSBI or BRBS?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than Blue Ridge Bankshares, Inc. (Virginia) quarterly revenues of $34.3M. Summit State Bank (California)'s net income of $1.1M is lower than Blue Ridge Bankshares, Inc. (Virginia)'s net income of $4.2M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.60x while Blue Ridge Bankshares, Inc. (Virginia)'s PE ratio is 40.47x. 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 2.67x for Blue Ridge Bankshares, Inc. (Virginia). 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 13.60x $13M $1.1M
    BRBS
    Blue Ridge Bankshares, Inc. (Virginia)
    2.67x 40.47x $34.3M $4.2M
  • Which has Higher Returns SSBI or OPHC?

    OptimumBank Holdings, Inc. has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 25.39%. Summit State Bank (California)'s return on equity of 6.99% beat OptimumBank Holdings, Inc.'s return on equity of 14.83%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    OPHC
    OptimumBank Holdings, Inc.
    -- $0.21 $174.6M
  • What do Analysts Say About SSBI or OPHC?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand OptimumBank Holdings, Inc. has an analysts' consensus of $5.00 which suggests that it could grow by 2.88%. Given that OptimumBank Holdings, Inc. has higher upside potential than Summit State Bank (California), analysts believe OptimumBank Holdings, Inc. is more attractive than Summit State Bank (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    OPHC
    OptimumBank Holdings, Inc.
    0 1 0
  • Is SSBI or OPHC 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 OptimumBank Holdings, Inc. has a beta of 0.290, suggesting its less volatile than the S&P 500 by 70.978%.

  • Which is a Better Dividend Stock SSBI or OPHC?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. OptimumBank Holdings, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Summit State Bank (California) pays -- of its earnings as a dividend. OptimumBank Holdings, Inc. pays out -- of its earnings as a dividend.

  • Which has Better Financial Ratios SSBI or OPHC?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than OptimumBank Holdings, Inc. quarterly revenues of $19.1M. Summit State Bank (California)'s net income of $1.1M is lower than OptimumBank Holdings, Inc.'s net income of $4.9M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.60x while OptimumBank Holdings, Inc.'s PE ratio is 4.84x. 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 1.01x for OptimumBank Holdings, 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 13.60x $13M $1.1M
    OPHC
    OptimumBank Holdings, Inc.
    1.01x 4.84x $19.1M $4.9M
  • Which has Higher Returns SSBI or PRK?

    Park National Corp. has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 25.34%. Summit State Bank (California)'s return on equity of 6.99% beat Park National Corp.'s return on equity of 13.85%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    PRK
    Park National Corp.
    -- $2.63 $1.4B
  • What do Analysts Say About SSBI or PRK?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand Park National Corp. has an analysts' consensus of $181.50 which suggests that it could grow by 7.06%. Given that Park National Corp. has higher upside potential than Summit State Bank (California), analysts believe Park National Corp. is more attractive than Summit State Bank (California).

    Company Buy Ratings Hold Ratings Sell Ratings
    SSBI
    Summit State Bank (California)
    0 0 0
    PRK
    Park National Corp.
    0 3 0
  • Is SSBI or PRK 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 Park National Corp. has a beta of 0.741, suggesting its less volatile than the S&P 500 by 25.905%.

  • Which is a Better Dividend Stock SSBI or PRK?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. Park National Corp. offers a yield of 2.57% to investors and pays a quarterly dividend of $2.32 per share. Summit State Bank (California) pays -- of its earnings as a dividend. Park National Corp. pays out 38.52% of its earnings as a dividend. Park National Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBI or PRK?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than Park National Corp. quarterly revenues of $168.3M. Summit State Bank (California)'s net income of $1.1M is lower than Park National Corp.'s net income of $42.6M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.60x while Park National Corp.'s PE ratio is 14.97x. 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 4.05x for Park 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 13.60x $13M $1.1M
    PRK
    Park National Corp.
    4.05x 14.97x $168.3M $42.6M
  • Which has Higher Returns SSBI or TMP?

    Tompkins Financial Corp. has a net margin of 8.19% compared to Summit State Bank (California)'s net margin of 19.46%. Summit State Bank (California)'s return on equity of 6.99% beat Tompkins Financial Corp.'s return on equity of 20.42%.

    Company Gross Margin Earnings Per Share Invested Capital
    SSBI
    Summit State Bank (California)
    -- $0.16 $107.1M
    TMP
    Tompkins Financial Corp.
    -- $6.70 $1.6B
  • What do Analysts Say About SSBI or TMP?

    Summit State Bank (California) has a consensus price target of --, signalling downside risk potential of --. On the other hand Tompkins Financial Corp. has an analysts' consensus of $81.00 which suggests that it could fall by -0.15%. Given that Tompkins Financial Corp. has higher upside potential than Summit State Bank (California), analysts believe Tompkins 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
    TMP
    Tompkins Financial Corp.
    0 1 0
  • Is SSBI or TMP 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 Tompkins Financial Corp. has a beta of 0.792, suggesting its less volatile than the S&P 500 by 20.825%.

  • Which is a Better Dividend Stock SSBI or TMP?

    Summit State Bank (California) has a quarterly dividend of $0.04 per share corresponding to a yield of 0%. Tompkins Financial Corp. offers a yield of 3.09% to investors and pays a quarterly dividend of $0.65 per share. Summit State Bank (California) pays -- of its earnings as a dividend. Tompkins Financial Corp. pays out 22.33% of its earnings as a dividend. Tompkins Financial Corp.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios SSBI or TMP?

    Summit State Bank (California) quarterly revenues are $13M, which are smaller than Tompkins Financial Corp. quarterly revenues of $38.4M. Summit State Bank (California)'s net income of $1.1M is lower than Tompkins Financial Corp.'s net income of $96.2M. Notably, Summit State Bank (California)'s price-to-earnings ratio is 13.60x while Tompkins Financial Corp.'s PE ratio is 7.23x. 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 2.96x for Tompkins 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 13.60x $13M $1.1M
    TMP
    Tompkins Financial Corp.
    2.96x 7.23x $38.4M $96.2M

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