Summit State Bank
SSBI | NASDAQ
$12.53
+$0.18 (+1.46%)
At close: Sep 21, 2026, 4:00 PM ET
$12.91
+$0.38 (+3.03%)
After-hours:
Sep 21, 2026, 4:10 PM ET
Market Data
Market Cap $84.79M
Enterprise Value $-21.81M
Beta 0.20
Average Volume 4.69K
Shares Outstanding (Diluted) 6.75M
Shares Change YoY 0.2%
Institutional Ownership 31.32%
Exchange NASDAQ
ISIN US8662642037
Price Performance
Price Change 1M -2.3%
Price Change 3M -10.3%
Price Change 6M -4.3%
Price Change YTD 5.2%
Price Change 1Y 4.6%
Price Change 3Y -19.4%
Price Change 5Y -21.1%
1M CAGR (ann.) -6.6%
1Y CAGR (ann.) 4.2%
5Y CAGR (ann.) -1.4%
All-Time CAGR 5.4%
Valuation
PE Ratio 36.85
Forward PE N/A
PEG Ratio 0.23
Forward PEG 0.23
PS Ratio 1.46
Forward PS N/A
PB Ratio 0.84
P/FCF Ratio 4.78
P/Adj. FCF Ratio 4.94
P/OCF Ratio 4.71
EV/Sales -0.37
EV/EBIT -7.39
EV/EBITDA -6.77
EV/FCF -1.23
Earnings Yield 2.7%
FCF Yield 20.9%
Adj. FCF Yield 20.3%
Financial Health
Net Cash $106.6M
Total Debt $5.96M
Cash & Short-Term Investments $112.55M
Total Assets $959.78M
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 0.06
Debt / EBITDA 1.85
Debt / FCF 0.34
OCF / Debt 3.01
Interest Coverage 0.14
Altman Z-Score 0.37
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 46.9%
Operating Profit Margin 5.1%
EBITDA Margin 5.5%
Net Profit Margin 3.9%
FCF Margin 30.5%
Adj. FCF Margin 29.5%
SBC / Revenue 1.0%
SBC Impact (per share) -3.2%
Returns
Return on Assets 0.2%
Return on Equity 2.2%
Return on Invested Capital 0.2%
Return on Capital Employed 0.3%
Return on Tangible Assets 0.2%
Historical Growth (CAGR)
Revenue CAGR 3Y -2.8%
Revenue CAGR 5Y 5.8%
Revenue CAGR 10Y 10.3%
EPS CAGR 3Y -47.4%
EPS CAGR 5Y -29.9%
EPS CAGR 10Y -8.1%
FCF CAGR 3Y 19.6%
FCF CAGR 5Y -4.9%
FCF CAGR 10Y 12.8%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jul 27, 2026
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) N/A
Revenue Growth Est (next Q) N/A
Fair Value Estimates
Graham Number $10.72
Graham Upside -14.4%
Lynch Fair Value $1.70
Lynch Upside -86.4%
Price Target N/A
Price Target Upside N/A
Cash Flow
Operating Cash Flow $17.96M
Free Cash Flow $17.75M
Adj. Free Cash Flow $17.18M
FCF Per Share $2.63
OCF Per Share $2.66
OCF/S Ratio 30.8%
Income Statement
Revenue $58.21M
Gross Profit $27.29M
Operating Income $2.95M
EBITDA $3.22M
Net Income $2.25M
EPS (Diluted) $0.34
Revenue / Employee $565.14K
Profit / Employee $21.86K
Employees 103
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