Summit State Bank(SSBI)Earnings, Financials & Key Ratios
SSBI•NASDAQ•Banking & Credit
$13.42
13.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutSummit 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, such as professional, small business packaged, tiered, individual retirement, and other 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 lines of credit, term, and equipment loans, as well as loans to agriculture-related businesses. In addition, the company provides 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 offers electronic banking, cash management, and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California, Irvine, and Scottsdale, Arizona. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.Show more
- Net Interest Income$35M+20.7%
- Total Revenue$59M-5.2%
- Net Income$7M+262.1%
- Return on Equity7.05%+259.1%
- Net Interest Margin3.48%+28.2%
- Efficiency Ratio40.54%-13.9%
- ROA0.66%+271.3%
- Equity / Assets10.07%+17.2%
- Book Value per Share15.04+10.1%
SSBI Price & Volume
Summit State Bank (SSBI) stock price & volume — 10-year historical chart
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Regional Concentration Risks Offset Capital Preservation Efforts
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Fortress
Cash Flow:Mixed
Primary Risk:Geographic and credit concentration
Key Thesis Takeaways
- Summit State Bank exhibits a defensive posture characterized by a fortress-like balance sheet, yet its growth remains constrained by extreme geographic concentration in Sonoma County.
- While net interest income has recovered to $9.0M as of 2026Q1, the institution faces persistent margin pressure and earnings volatility driven by sensitive credit provisioning.
- Investors should monitor whether the bank can deploy its $115.5M cash position effectively without compromising its current 0.10 equity-to-assets ratio.
Verdict Logic
while the bank maintains a robust capital buffer, the lack of dividend payments since 2025Q1 and the sensitivity to credit provisioning, which reached $6.7M in 2024Q4, warrant a cautious wait-and-see approach.
SSBI Growth Metrics
Summit State Bank (SSBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.73%
5 Years7.71%
3 Years1.56%
TTM-
Profit CAGR
10 Years1.2%
5 Years-8.36%
3 Years-26.29%
TTM293.15%
EPS CAGR
10 Years1.27%
5 Years-8.44%
3 Years-26.46%
TTM294.83%
Return on Capital
10 Years8.24%
5 Years8.35%
3 Years3.22%
Last Year1.62%
Peers Comparison
Key metrics vs top competitors for Summit State Bank (SSBI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $13.42 | $90.87M | 13.29 | -5.17% | 11.55% | 7.05% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $51.75 | $492.63M | 11.50 | -3.87% | 31.77% | 18.18% | — | |
| $32.17 | $957.59M | 12.82 | 3.55% | 18.42% | 10.31% | — | |
| $34.89 | $568.29M | 10.26 | 25.32% | 18.45% | 13.94% | — | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — |
Compare SSBI vs Peers
Summit State Bank (SSBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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SSBI Frequently Asked Questions
Summit State Bank (SSBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Summit State Bank growing?
Summit State Bank (SSBI) saw revenue decline by 5.2% over the past year.
Is SSBI profitable?
Yes, Summit State Bank (SSBI) is profitable, generating $6.0M in net income for fiscal year 2025 (11.6% net margin).
Dividend & Returns
What is SSBI's return on equity?
Summit State Bank (SSBI) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.
Industry Metrics
What is Summit State Bank's net interest margin?
Summit State Bank (SSBI) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
What is Summit State Bank's efficiency ratio?
Summit State Bank (SSBI) has an efficiency ratio of 40.5%. This is excellent, indicating strong cost control.