Saturday 17 October 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. In the quarter to June 2026, revenue fell 3.24% and EPS fell 152.8%, each against the same quarter a year earlier. Operating cash flow growth for five consecutive years.
12.40
0.08
+0.65%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 2026e | 2027e | 2028e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price, $ | |||||||||||||||
| Price, $ | Low | 9.51 | 10.59 | 9.68 | 9.75 | 5.91 | 11.83 | 14.05 | 11.79 | 5.68 | 6.95 |
Analyst estimates 2026–2028 Powerpack |
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| High | 11.02 | 13.89 | 14.64 | 11.82 | 12.95 | 20.00 | 17.98 | 18.67 | 12.35 | 12.60 | |||||
| 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 | |||||
| Income, $m | |||||||||||||||
| Income, $m | Revenue | 22 | 22 | 28 | 33 | 41 | 47 | 56 | 65 | 63 | 59 | ||||
| Gross margin, % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |||||
| EBT | 22 | 22 | 28 | 33 | 41 | 47 | 56 | 65 | 63 | 59 | |||||
| EBT margin, % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |||||
| Net income | — | — | — | — | — | — | — | — | — | — | |||||
| Depreciation | — | — | — | — | — | — | — | — | — | — | |||||
| 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 | ||||
| Earnings | 0.75 | 0.50 | 0.87 | 0.97 | 1.57 | 2.20 | 2.54 | 1.62 | (0.54) | 1.01 | |||||
| Cash flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Capex | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Free cash flow | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Book value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Shares, m | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | |||||
| Valuation, × | |||||||||||||||
| Valuation, × | P/E | 14.48 | 23.28 | 12.26 | 12.24 | 7.74 | 7.03 | 6.23 | 7.35 | 0.00 | 11.51 | ||||
| P/S | 3.31 | 3.45 | 2.56 | 2.41 | 2.00 | 2.21 | 1.87 | 1.22 | 0.82 | 1.33 | |||||
| P/B | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| EV/Sales | 3.31 | 3.45 | 2.56 | 2.41 | 2.00 | 2.21 | 1.87 | 1.22 | 0.82 | 1.33 | |||||
| EV/FCF | 0.00 | 0.00 | 0.00 | 13.91 | 22.00 | 13.85 | 7.68 | 13.19 | 8.51 | 12.96 | |||||
| Cash, $m | |||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | — | — | — | ||||
| Capex | 0 | 0 | (1) | (1) | 0 | 0 | 0 | — | — | — | |||||
| Free cash flow | 5 | 4 | 4 | 4 | 4 | 7 | 14 | — | — | — | |||||
| Balance, $m | |||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | — | — | ||||
| Total debt | 69 | 30 | 57 | 52 | 60 | 56 | 48 | — | — | — | |||||
| Net debt | 69 | 30 | 57 | 52 | 60 | 56 | 48 | — | — | — | |||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | — | — | |||||
| Returns, % | |||||||||||||||
| Returns, % | ROA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||||
| ROIC | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| ROE | 9.38 | 5.57 | 9.58 | 10.04 | 14.71 | 18.37 | 19.62 | 0.00 | 0.00 | 0.00 | |||||
Negative figures in brackets.
Fiscal years to Dec 2025 · latest quarter Jun 2026
Charts ten years each
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. | $92.2M | 11.0× | — | +5.12% (above 0%: growing) | +26.92% (above 0%: growing) | −25.23% (below 0%: shrinking) | 76.51% | 0.00% | Compare |
| FNWB First Northwest Bancorp | $91.6M | 59.7× | 51.6× | −6.28% (below 0%: shrinking) | −92.86% (below 0%: shrinking) | −85.97% (below 0%: shrinking) | 58.91% | 0.00% | Compare |
| FUSB FIRST US BANCSH | $90.6M | 12.2× | — | +1.73% (above 0%: growing) | +933.33% (above 0%: growing) | −118.35% (below 0%: shrinking) | 67.72% | 0.00% | Compare |
| FDSB Fifth District Bancorp, Inc. | $88.4M | 49.7× | — | −34.40% (below 0%: shrinking) | −86.89% (below 0%: shrinking) | +457.01% (above 0%: growing) | 65.53% | 0.00% | Compare |
| CPBI Central Plains Bancshares, Inc. | $82.6M | 16.8× | 5.0× | +15.12% (above 0%: growing) | +50.00% (above 0%: growing) | +73.89% (above 0%: growing) | 70.52% | 0.00% | Compare |
| SSBI Summit State Bank | $81.7M | 36.5× | — | −3.24% (below 0%: shrinking) | n/m | −207.35% (below 0%: shrinking) | 100.00% | 0.00% | |
| UBCP United Bancorp, Inc. | $77.6M | 9.7× | 11.8× | +2.96% (above 0%: growing) | +9.09% (above 0%: growing) | −109.56% (below 0%: shrinking) | 70.95% | 0.00% | Compare |
| ASRV AmeriServ Financial Inc. | $75.7M | 8.9× | — (loss-making) | +4.04% (above 0%: growing) | n/m | −756.91% (below 0%: shrinking) | 70.16% | 0.00% | Compare |
| HFBL Home Federal Bancorp, Inc. of Louisiana | $73.1M | 11.8× | — | +10.29% (above 0%: growing) | +23.08% (above 0%: growing) | +210.53% (above 0%: growing) | 70.94% | 0.00% | Compare |
| Median of peers | $85.5M | 12.0× | 11.8× | +3.50% | +23.08% | −55.60% | 70.34% | 0.00% |
Summit State Bank (SSBI) key facts
- Concern: Summit State Bank’s revenue for fiscal 2025 (year ended December 2025) was $58.8 million, down 6.51% from fiscal 2024.
- Summit State Bank (SSBI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- As of October 16, 2026, SSBI traded at $12.40, a market capitalization of $81.7 million.
- At that price the stock trades at 36.5× trailing-twelve-month earnings and 1.4× sales; its P/E is higher than 98% of its own readings over the past ten years.
- Summit State Bank does not currently pay a dividend.
- Return on equity was 0.00% and debt-to-equity 0.08.