SSBI
Summit State Bank
Price Chart
Latest Quote
$13.58
+0.06 (+0.44%)
Current Price
| Previous Close | $13.52 |
| Open | $13.52 |
| Day High | $13.58 |
| Day Low | $13.46 |
| Volume | 8,458 |
Stock Information
| Shares Outstanding | 6.77M |
| Total Debt | $5.95M |
| Cash Equivalents | $115.46M |
| Revenue | $32.47M |
| Net Income | $5.98M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $91.96M |
| P/E Ratio | 15.26 |
| EPS (TTM) | $0.89 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-17.95M |
| Sales | $32.47M |
| Income | $5.98M |
| Book/sh | $15.16 |
| Cash/sh | $17.05 |
| Employees | 103 |
Financial Ratios
| EPS Growth TTM | -32.90% |
Returns & Margins
| ROA | 0.58% |
| ROE | 6.04% |
| Operating Margin | 25.23% |
| Profit Margin | 18.41% |
Ownership
| Insider Ownership | 32.10% |
| Institutional Ownership | 30.49% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 2.83 |
| P/B | 0.90 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $13.51 |
| SMA50 | $13.58 |
| SMA200 | $12.56 |
| RSI | 50.67 |
| ATR | 0.0757 |
| Shares Float | 5.77M |
| Short Float | 0.22% |
| Short Ratio | 2.55 |
| Volatility | 0.18 |
| Rel Volume | 2.44 |
Performance History
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Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $13.58 | 8,900 |
| 2026-06-17 | $13.58 | 400 |
| 2026-06-16 | $13.52 | 700 |
| 2026-06-15 | $13.59 | 12,100 |
| 2026-06-12 | $13.45 | 2,200 |
| 2026-06-11 | $13.45 | 1,400 |
| 2026-06-10 | $13.41 | 2,000 |
| 2026-06-09 | $13.49 | 500 |
| 2026-06-08 | $13.41 | 500 |
| 2026-06-05 | $13.39 | 5,400 |
| 2026-06-04 | $13.36 | 5,200 |
| 2026-06-03 | $13.55 | 4,900 |
| 2026-06-02 | $13.55 | 900 |
| 2026-06-01 | $13.58 | 3,300 |
| 2026-05-29 | $13.57 | 4,600 |
| 2026-05-28 | $13.58 | 5,200 |
| 2026-05-27 | $13.63 | 900 |
| 2026-05-26 | $13.61 | 10,900 |
| 2026-05-22 | $13.56 | 700 |
| 2026-05-21 | $13.40 | 2,400 |
| 2026-05-20 | $13.35 | 23,100 |
| 2026-05-19 | $13.55 | 700 |
About Summit State Bank
Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and term and equipment loans, as well as loans to agriculture-related businesses. In addition, the company offers Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it provides electronic banking, cash management, and electronic bill payment services. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $34,989,000 | $32,744,000 | $40,280,000 | $49,628,000 |
| Operating Revenue | $34,989,000 | $32,744,000 | $40,280,000 | $49,628,000 |
| Expenses | ||||
| Interest Expense | $23,481,000 | $29,286,000 | $24,779,000 | $6,529,000 |
| Selling And Marketing Expense | $1,106,000 | $965,000 | $1,274,000 | $1,484,000 |
| General And Administrative Expense | $16,490,000 | $17,409,000 | $16,992,000 | $16,245,000 |
| Professional Expense And Contract Services Expense | $1,077,000 | $1,448,000 | $1,449,000 | $852,000 |
| Other Non Interest Expense | $3,097,000 | $3,493,000 | $3,297,000 | $2,920,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $6,796,000 | $-4,193,000 | $10,822,000 | $16,968,000 |
| Net Interest Income | $34,432,000 | $28,962,000 | $35,046,000 | $42,126,000 |
| Interest Income | $57,913,000 | $58,248,000 | $59,825,000 | $48,655,000 |
| Normalized Income | $8,420,394 | $407,272 | $10,822,000 | $16,968,000 |
| Net Income From Continuing And Discontinued Operation | $6,796,000 | $-4,193,000 | $10,822,000 | $16,968,000 |
| Net Income Common Stockholders | $6,796,000 | $-4,193,000 | $10,822,000 | $16,968,000 |
| Net Income | $6,796,000 | $-4,193,000 | $10,822,000 | $16,968,000 |
| Net Income Including Noncontrolling Interests | $6,796,000 | $-4,193,000 | $10,822,000 | $16,968,000 |
| Net Income Continuous Operations | $6,796,000 | $-4,193,000 | $10,822,000 | $16,968,000 |
| Pretax Income | $8,963,000 | $-4,388,000 | $15,281,000 | $23,870,000 |
| Special Income Charges | $0 | $-4,119,000 | $0 | - |
| Per Share | ||||
| Diluted EPS | $1.01 | $-0.62 | $1.62 | $2.54 |
| Basic EPS | $1.01 | $-0.62 | $1.62 | $2.54 |
| Other | ||||
| Tax Effect Of Unusual Items | $-518,606 | $-211,728 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items Excluding Goodwill | $-2,143,000 | $-4,812,000 | $0 | - |
| Reconciled Depreciation | $380,000 | $392,000 | $385,000 | $391,000 |
| Diluted Average Shares | $6,730,368 | $6,713,644 | $6,698,000 | $6,687,000 |
| Basic Average Shares | $6,730,368 | $6,713,644 | $6,695,000 | $6,687,000 |
| Diluted NI Availto Com Stockholders | $6,796,000 | $-4,193,000 | $10,822,000 | $16,968,000 |
| Tax Provision | $2,167,000 | $-195,000 | $4,459,000 | $6,902,000 |
| Impairment Of Capital Assets | $0 | $4,119,000 | $0 | - |
| Gain On Sale Of Security | $18,000 | $28,000 | $-58,000 | $4,000 |
| Selling General And Administration | $17,596,000 | $18,374,000 | $18,266,000 | $17,729,000 |
| Insurance And Claims | $1,262,000 | $1,252,000 | $915,000 | $686,000 |
| Salaries And Wages | $15,228,000 | $16,157,000 | $16,077,000 | $15,559,000 |
| Occupancy And Equipment | $1,693,000 | $1,761,000 | $1,713,000 | $1,716,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-12
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $101,171,000 | $91,723,000 | $93,559,000 | $84,427,000 |
| Total Assets | $1,004,586,000 | $1,067,094,000 | $1,122,508,000 | $1,115,343,000 |
| Cash And Cash Equivalents | $65,524,000 | $51,403,000 | $57,789,000 | $77,567,000 |
| Cash Cash Equivalents And Federal Funds Sold | $65,524,000 | $51,403,000 | $57,789,000 | $77,567,000 |
| Goodwill And Other Intangible Assets | - | $0 | $4,119,000 | $4,119,000 |
| Receivables | - | - | - | $25,967,000 |
| Other Receivables | - | - | - | $8,881,000 |
| Accounts Receivable | - | - | - | $17,086,000 |
| Debt | ||||
| Total Debt | $5,949,000 | $5,935,000 | $5,920,000 | $46,905,000 |
| Long Term Debt And Capital Lease Obligation | $5,949,000 | $5,935,000 | $5,920,000 | $46,905,000 |
| Long Term Debt | $5,949,000 | $5,935,000 | $5,920,000 | $46,905,000 |
| Net Debt | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $903,415,000 | $975,371,000 | $1,024,830,000 | $1,026,797,000 |
| Payables And Accrued Expenses | - | - | - | $12,560,000 |
| Payables | - | - | - | $12,560,000 |
| Accounts Payable | - | - | - | $12,560,000 |
| Equity | ||||
| Common Stock Equity | $101,171,000 | $91,723,000 | $97,678,000 | $88,546,000 |
| Total Equity Gross Minority Interest | $101,171,000 | $91,723,000 | $97,678,000 | $88,546,000 |
| Stockholders Equity | $101,171,000 | $91,723,000 | $97,678,000 | $88,546,000 |
| Gains Losses Not Affecting Retained Earnings | $-6,451,000 | $-8,886,000 | $-8,750,000 | $-10,019,000 |
| Other Equity Adjustments | $-6,451,000 | $-8,886,000 | $-8,750,000 | $-10,019,000 |
| Retained Earnings | $69,668,000 | $62,869,000 | $68,957,000 | $61,386,000 |
| Other | ||||
| Ordinary Shares Number | $6,771,526 | $6,776,563 | $6,784,099 | $6,732,699 |
| Share Issued | $6,771,526 | $6,776,563 | $6,784,099 | $6,732,699 |
| Tangible Book Value | $101,171,000 | $91,723,000 | $93,559,000 | $84,427,000 |
| Invested Capital | $107,120,000 | $97,658,000 | $103,598,000 | $135,451,000 |
| Total Capitalization | $107,120,000 | $97,658,000 | $103,598,000 | $135,451,000 |
| Capital Stock | $37,954,000 | $37,740,000 | $37,471,000 | $37,179,000 |
| Common Stock | $37,954,000 | $37,740,000 | $37,471,000 | $37,179,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $61,857,000 | $67,481,000 | $84,736,000 | $92,666,000 |
| Available For Sale Securities | $6,479,000 | $7,413,000 | $8,405,000 | $8,881,000 |
| Net PPE | $4,822,000 | $5,155,000 | $5,316,000 | $5,461,000 |
| Accumulated Depreciation | $-8,935,000 | $-8,741,000 | $-8,565,000 | $-8,201,000 |
| Gross PPE | $13,757,000 | $13,896,000 | $13,881,000 | $13,662,000 |
| Leases | $867,000 | $889,000 | $884,000 | $886,000 |
| Machinery Furniture Equipment | $3,789,000 | $3,906,000 | $3,878,000 | $3,769,000 |
| Buildings And Improvements | $7,917,000 | $7,917,000 | $7,935,000 | $7,823,000 |
| Land And Improvements | $1,184,000 | $1,184,000 | $1,184,000 | $1,184,000 |
| Other Short Term Investments | $55,378,000 | $60,068,000 | $76,331,000 | $83,785,000 |
| Goodwill | - | $0 | $4,119,000 | $4,119,000 |
Fetched: 2026-06-12
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $6,548,000 | $5,619,000 | $-2,620,000 | $13,543,000 |
| Operating Activities | ||||
| Operating Cash Flow | $6,595,000 | $5,850,000 | $-2,380,000 | $13,718,000 |
| Cash Flow From Continuing Operating Activities | $6,595,000 | $5,850,000 | $-2,380,000 | $13,718,000 |
| Operating Gains Losses | $1,329,000 | $-1,449,000 | $-2,423,000 | $-5,843,000 |
| Investing Activities | ||||
| Capital Expenditure | $-47,000 | $-231,000 | $-240,000 | $-175,000 |
| Investing Cash Flow | $78,977,000 | $36,790,000 | $-20,185,000 | $-117,179,000 |
| Cash Flow From Continuing Investing Activities | $78,977,000 | $36,790,000 | $-20,185,000 | $-117,179,000 |
| Net Other Investing Changes | - | $-348,000 | $-804,000 | $-417,000 |
| Financing Activities | ||||
| Financing Cash Flow | $-71,451,000 | $-49,026,000 | $2,787,000 | $140,329,000 |
| Cash Flow From Continuing Financing Activities | $-71,451,000 | $-49,026,000 | $2,787,000 | $140,329,000 |
| Cash Dividends Paid | $0 | $-1,895,000 | $-3,251,000 | $-3,226,000 |
| Common Stock Dividend Paid | $0 | $-1,895,000 | $-3,251,000 | $-3,226,000 |
| Other | ||||
| Repayment Of Debt | $-1,164,500,000 | $-1,572,150,000 | $-41,000,000 | $-7,500,000 |
| Issuance Of Debt | $1,164,500,000 | $1,572,150,000 | $0 | $0 |
| Interest Paid Supplemental Data | $24,839,000 | $28,217,000 | $24,349,000 | $6,443,000 |
| Income Tax Paid Supplemental Data | $360,000 | $429,000 | $6,463,000 | $5,646,000 |
| End Cash Position | $65,524,000 | $51,403,000 | $57,789,000 | $77,567,000 |
| Beginning Cash Position | $51,403,000 | $57,789,000 | $77,567,000 | $40,699,000 |
| Changes In Cash | $14,121,000 | $-6,386,000 | $-19,778,000 | $36,868,000 |
| Net Issuance Payments Of Debt | $0 | $0 | $-41,000,000 | $-7,500,000 |
| Net Short Term Debt Issuance | $0 | $0 | $0 | $0 |
| Short Term Debt Payments | $-1,164,500,000 | $-1,572,150,000 | $0 | - |
| Short Term Debt Issuance | $1,164,500,000 | $1,572,150,000 | $0 | - |
| Net Investment Purchase And Sale | $5,447,000 | $12,597,000 | $415,000 | $-31,728,000 |
| Sale Of Investment | $5,500,000 | $16,180,000 | $998,000 | $2,304,000 |
| Purchase Of Investment | $-53,000 | $-3,583,000 | $-583,000 | $-34,032,000 |
| Net PPE Purchase And Sale | $-47,000 | $-231,000 | $-240,000 | $-175,000 |
| Purchase Of PPE | $-47,000 | $-231,000 | $-240,000 | $-175,000 |
| Change In Working Capital | $-4,033,000 | $592,000 | $-8,706,000 | $3,309,000 |
| Change In Payables And Accrued Expense | $-979,000 | $1,863,000 | $-7,093,000 | $6,929,000 |
| Change In Payable | $-979,000 | $1,863,000 | $-7,093,000 | $6,929,000 |
| Change In Account Payable | $-979,000 | $1,863,000 | $-7,093,000 | $6,929,000 |
| Change In Receivables | $-3,054,000 | $-1,271,000 | $-1,613,000 | $-3,620,000 |
| Changes In Account Receivables | $-3,054,000 | $-1,271,000 | $-1,613,000 | $-3,620,000 |
| Other Non Cash Items | $14,000 | $15,000 | $15,000 | $14,000 |
| Stock Based Compensation | $744,000 | $-409,000 | $16,000 | $614,000 |
| Asset Impairment Charge | $0 | $4,119,000 | $0 | - |
| Amortization Of Securities | $878,000 | $965,000 | $461,000 | $429,000 |
| Depreciation Amortization Depletion | $380,000 | $392,000 | $385,000 | $391,000 |
| Depreciation And Amortization | $380,000 | $392,000 | $385,000 | $391,000 |
| Gain Loss On Investment Securities | $14,000 | $-6,000 | $0 | $-4,000 |
| Net Income From Continuing Operations | $6,796,000 | $-4,193,000 | $10,822,000 | $16,968,000 |
| Net Long Term Debt Issuance | - | $0 | $-41,000,000 | $-7,500,000 |
| Long Term Debt Payments | - | $0 | $-41,000,000 | $-7,500,000 |
| Proceeds From Stock Option Exercised | - | - | $0 | $0 |
| Long Term Debt Issuance | - | - | - | $0 |
Fetched: 2026-06-12