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Friday 6 November 2026
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Summit State Bank
SSBI Financial Banks Regional
Summit State Bank’s revenue for fiscal 2025 (year ended December 2025) was $58.8 million, down 6.51% from fiscal 2024.
- Revenue
- −3.24%
- EPS
- −152.8%
Quarter to June 2026, against a year earlier
11.42
0.06
+0.53%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | 22 | 22 | 28 | 33 | 41 | 47 | 56 | 65 | 63 | 59 | 58 | +11.6% | — | — | — | — | |
| Gross margin, % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 0.0 pt | ||||||
| EBT | 22 | 22 | 28 | 33 | 41 | 47 | 56 | 65 | 63 | 59 | 58 | +11.6% | ||||||
| EBT margin, % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 0.0 pt | ||||||
| Net income | — | — | — | — | — | — | — | — | — | — | 0 | — | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | 3.32 | 3.38 | 4.18 | 4.89 | 6.12 | 7.02 | 8.44 | 9.77 | 9.37 | 8.75 | 8.62 | +11.4% | |||||
| Earnings | 0.75 | 0.50 | 0.87 | 0.97 | 1.57 | 2.20 | 2.54 | 1.62 | (0.54) | 1.01 | 0.34 | +3.4% | ||||||
| Cash flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | n/m | ||||||
| Capex | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | n/m | ||||||
| Free cash flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | n/m | ||||||
| Book value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | n/m | ||||||
| Shares, m | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | +0.2% | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | 14.48 | 23.28 | 12.26 | 12.24 | 7.74 | 7.03 | 6.23 | 7.35 | 0.00 | 11.51 | 33.59 | 10.2 | |||||
| P/S | 3.31 | 3.45 | 2.56 | 2.41 | 2.00 | 2.21 | 1.87 | 1.22 | 0.82 | 1.33 | 1.32 | 2.1 | ||||||
| P/B | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 | ||||||
| EV/Sales | 3.31 | 3.45 | 2.56 | 2.41 | 2.00 | 2.21 | 1.87 | 1.22 | 0.82 | 1.33 | — | 2.1 | ||||||
| EV/FCF | 0.00 | 0.00 | 0.00 | 13.91 | 22.00 | 13.85 | 7.68 | 13.19 | 8.51 | 12.96 | — | 9.2 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | — | — | — | 6 | — | |||||
| Capex | 0 | 0 | (1) | (1) | 0 | 0 | 0 | — | — | — | 0 | (4.2%) | ||||||
| Free cash flow | 5 | 4 | 4 | 4 | 4 | 7 | 14 | — | — | — | 6 | +17.5% | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | — | — | (28) | — | |||||
| Net debt | 69 | 30 | 57 | 52 | 60 | 56 | 48 | — | — | — | 7 | (5.8%) | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | — | — | 61 | — | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 pt | |||||
| ROIC | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 pt | ||||||
| ROE | 9.38 | 5.57 | 9.58 | 10.04 | 14.71 | 18.37 | 19.62 | 0.00 | 0.00 | 0.00 | 0.00 | (9.4) pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | — | — | — | — | |||||
| Revenue/emp, $m | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026
Summit State Bank vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| AUBN Auburn National Bancorporation, Inc. | $92.1M | 10.7× | — | +5.12% (above 0%: growing) | +26.92% (above 0%: growing) | −25.23% (below 0%: shrinking) | 76.51% | 0.00% | Compare |
| CPBI Central Plains Bancshares, Inc. | $86.8M | 17.5× | 5.0× | +15.12% (above 0%: growing) | +50.00% (above 0%: growing) | +73.89% (above 0%: growing) | 70.52% | 0.00% | Compare |
| FUSB FIRST US BANCSH | $84.5M | 11.9× | — | −0.42% (below 0%: shrinking) | +9.09% (above 0%: growing) | −0.33% (below 0%: shrinking) | 67.30% | 0.00% | Compare |
| UBCP United Bancorp, Inc. | $83.3M | 10.4× | 10.5× | +2.96% (above 0%: growing) | +9.09% (above 0%: growing) | −109.56% (below 0%: shrinking) | 70.95% | 0.00% | Compare |
| ASRV AmeriServ Financial Inc. | $82.9M | 9.6× | — (loss-making) | +4.04% (above 0%: growing) | n/m | −756.91% (below 0%: shrinking) | 70.16% | 0.00% | Compare |
| SSBI Summit State Bank | $77.1M | 33.6× | — | −3.24% (below 0%: shrinking) | n/m | −207.35% (below 0%: shrinking) | 100.00% | 0.00% | |
| CLST Catalyst Bancorp, Inc. | $72.4M | 31.4× | — | +3.68% (above 0%: growing) | +7.14% (above 0%: growing) | −14.23% (below 0%: shrinking) | 74.83% | 0.00% | Compare |
| HFBL Home Federal Bancorp, Inc. of Louisiana | $67.1M | 10.9× | — | +10.29% (above 0%: growing) | +23.08% (above 0%: growing) | +210.53% (above 0%: growing) | 70.94% | 0.00% | Compare |
| CULL Cullman Bancorp, Inc. | $65.2M | 32.5× | 19.5× | +8.86% (above 0%: growing) | −26.67% (below 0%: shrinking) | −90.89% (below 0%: shrinking) | 71.49% | 0.00% | Compare |
| Median of peers | $83.1M | 11.4× | 10.5× | +4.58% | +9.09% | −19.73% | 70.95% | 0.00% |