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Company Analysis

Summit State Bank SSBI

A comprehensive view of key metrics, scores, and financial health for Summit State Bank

Overview of Summit State Bank

SSBI NGM
Financial Services Banks - Regional Micro Cap
Summit State Bank (SSBI), is a Micro Cap company, in the Banks - Regional industry, last closed at $13.22, about 16.0% undervalued vs fair value, +39.3% 1Y return, ranked 882/1004 in sector.
$13.22
3.28%
As of March 13, 2026
Previous close • Vol 90d: 26.1%
52-Week Range
Market Cap
$87.29M
Enterprise Value
$27.72M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://summitstatebank.com
HQ Santa Rosa, CA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$9
$15
$29
Current: $13.22 +16% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$58.2M
-2.6%%
Interest Expense
$23.5M
Net Interest Income
$29.0M
-17.4%%
Total Revenue
$58.8M
79.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-4.6%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Summit State Bank's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
27
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
10
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SSBI's balance between Growth (65.4%), Profitability (24.1%), and Safety (10.5%). Growth 65% Safety 11% Profitability 24%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

33th percentile vs peers
33
Key Signals
Rev Growth YoY 79.6% 71p Revenue CAGR 3Y 5.8% 14p Asset Growth YoY -5.9% 4p
Strengths

No notable strengths identified for this axis.

Risks
  • Asset Growth Yoy in bottom 20% of peers (-5.9%)

Profitability

12th percentile vs peers
12
Key Signals
Strengths
Risks
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Safety

5th percentile vs peers
5
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Summit State Bank.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$15.33
- - -
+16.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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