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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%
Market cap
$81.7M
P/E
36.5×
Fwd P/E
—
Dividend yield
0.00%
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 32.27%

Capital & Financial Ratios $m

Market Cap 81.66
Revenue 58.19
Net Income 0.00
Free Cash Flow 6.04
Net Debt 7.00
Current Ratio 0.91
Debt/Equity 0.08
P/E ratio 36.47 (above 35: high)
Fwd P/E —
P/S ratio 1.44
P/B ratio 0.00
Past 5Y EPS Growth (8.48%) (below 0%: weak)
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth 0.00%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 97.60%
10-year low 10-year high
P/S against its own 10 years 22.26%
10-year low 10-year high

Dividends

Payout Ratio 0.00
Annual Dividend Rate 0.00
Annual Dividend Yield 0.00%
total individual payouts
2024 0.28
0.12
0.12
0.04
2023 0.48
0.12
0.12
0.12
0.12
2022 0.48
0.12
0.12
0.12
0.12
2021 0.45
0.11
0.11
0.11
0.12
2020 0.44
0.11
0.11
0.11
0.11
2019 0.44
0.11
0.11
0.11
0.11
2018 0.44
0.11
0.11
0.11
0.11
2017 0.41
0.09
0.11
0.11
0.11
2016 0.35
0.09
0.09
0.09
0.09
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 2026
Cash — — — —
Receivables — — — —
Inventory — — — —
Other — — — —
— — — —
2023 2024 2025 2026
Payables — — — —
ST’ Debt — — — —
Other — — — —
— — — —

Compound Annual Growth %

10y 5y 3y
Sales 10.73% 7.55% 1.38%
Cash Flow — 26.46% 49.13%
Earnings 1.20% (8.36%) (26.29%)
Book Value — 8.32% 9.93%

Revenue $m

Mar Jun Sep Dec Year
’26 15 15 — — —
’25 15 15 15 13 59
’24 15 15 16 16 63
’23 17 17 16 15 65
’22 13 14 14 16 56
’21 11 12 12 12 47
’20 10 10 10 11 41
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Year
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (3) 4 (2) — —
’22 1 3 2 7 14
’21 3 (1) 4 2 7
’20 2 1 (1) 2 4
’19 — — — 6 4
’18 — — — — 4
’17 — — — — 4
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.25 (0.19) — — —
’25 0.37 0.36 0.12 0.16 1.01
’24 0.21 0.14 0.09 (0.98) (0.54)
’23 0.62 0.45 0.27 0.28 1.62
’22 0.59 0.67 0.59 0.68 2.54
’21 0.50 0.58 0.57 0.55 2.20
’20 0.36 0.34 0.45 0.44 1.57
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten 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
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.

All 10 years →

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%

All 323 Banks Regional stocks →

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.

Source: company filings (standardised) and stockrow calculations.

Summit State Bank (SSBI) Latest News

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stockrow.com/SSBI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com