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Summit State Bank

SSBI

11.950USD

-0.070-0.58%

Close 09/19, 16:00（ET）Quotes delayed by 15 min

80.92MMarket Cap

LossP/E TTM



Summit State Bank

11.950

-0.070-0.58%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

182 / 400

Overall Ranking

349 / 4720

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Summit State Bank (the Bank) is a state-chartered commercial bank. The Bank operates a traditional community banking business within its primary service area of Sonoma County in California. It provides an array of financial services for small to medium-sized businesses and their owners and employees, entrepreneurs, families, foundations, estates and individual consumers. The Bank offers depository and lending services primarily to meet the needs of its business, nonprofit organization, and individual clientele. These services include a variety of transaction, money market, savings and time deposit account alternatives. The Bank's lending activities are primarily focused on commercial real estate, construction, and business loans. It provides a set of loan products, such as commercial loans and leases, lines of credit, commercial real estate loans, Small Business Administration (SBA), loans and others. Its branch locations include Santa Rosa, Petaluma, Rohnert Park and Healdsburg.

Growing

The company is in a growing phase, with the latest annual income totaling USD 32.52M.

Turnaround to Loss

The company's performance has turned to a loss, with the latest annual loss of USD 4.19M.%!(EXTRA int=2)

Fairly Valued

The company’s latest PB is 0.82, at a medium 3-year percentile range.

Institutional Buying

The latest institutional holdings are 3.75M shares, increasing 8.50% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 272.09K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of -0.49.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 6.81, which is lower than the Banking Services industry's average of 7.06. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 9.47M, representing a year-over-year increase of 24.77%, while its net profit experienced a year-over-year increase of 160.45%.

Score

Industry at a Glance

Previous score

6.81

Change



Financials

7.54

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.67

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

6.82

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.03

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is -49.96, which is -114.73% below the recent high of 7.36 and 111.79% above the recent low of 5.89.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 182/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

There is no earnings forecast score for this company; the Banking Services industry's average is 7.39.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-19

The company’s current price momentum score is 8.66, which is higher than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 12.29 and the support level at 11.53, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.66

Change

-0.15

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.007

Buy

RSI(14)

54.316

Neutral

STOCH(KDJ)(9,3,3)

66.697

Neutral

ATR(14)

0.161

Low Volatility

CCI(14)

111.750

Buy

Williams %R

15.789

Overbought

TRIX(12,20)

0.032

Sell

StochRSI(14)

50.216

Neutral

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

11.926

Buy

MA10

11.887

Buy

MA20

11.844

Buy

MA50

11.840

Buy

MA100

10.868

Buy

MA200

9.412

Buy

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 55.38%, representing a quarter-over-quarter increase of 1.90%. The largest institutional shareholder is The Vanguard, holding a total of 272.09K shares, representing 4.02% of shares outstanding, with 2.10% decrease in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Reynolds (Marshall T)

747.43K

1st & Main Growth Partners

429.39K

M3F, Inc.

301.43K

+0.48%

Caldwell Sutter Capital, Inc

313.10K

+26.42%

Reynolds (Douglas Vernon)

330.59K

+7.62%

Codding (Constance L)

386.29K

The Vanguard Group, Inc.

Star Investors

277.92K

Reed (Brian J)

144.62K

-0.00%

Salzhauer Michael

78.45K

+34.22%

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 5.63, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 0.20. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.