Summit State Bank (SSBI) Earnings History
Earnings Pressure23 years of earnings data (2003–2025) · 5-year EPS trend is negative
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Summit State Bank (SSBI) Earnings Overview
As of July 7, 2026, Summit State Bank (SSBI) reported trailing twelve-month net income of $6M, reflecting +262.9% year-over-year growth. The company earned $0.89 per diluted share over the past four quarters, with a net profit margin of 11.6%.
Looking at the long-term picture, SSBI's 5-year EPS compound annual growth rate (CAGR) stands at -8.4%, signaling declining earnings. The company achieved its highest annual net income of $17M in fiscal 2022.
Summit State Bank maintains positive profitability with a gross margin of 55.8%, operating margin of 15.2%, and net margin of 11.6%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), BSVN ($45M net income, 31.4% margin), HAFC ($81M net income, 17.1% margin), SSBI has room to improve margins relative to the peer group. Compare SSBI vs CZWI →
SSBI Earnings vs Peers
Earnings metrics vs comparable public companies
SSBI Historical Earnings Data (2003–2025)
23 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $7M | +262.1% | $9M | $1.01 | 11.6% | 15.2% |
| 2024 | -$4M | -138.7% | -$4M | $-0.62 | -6.8% | -7.1% |
| 2023 | $11M | -36.2% | $15M | $1.62 | 16.6% | 23.5% |
| 2022 | $17M | +15.4% | $24M | $2.54 | 30.2% | 42.5% |
| 2021 | $15M | +39.8% | $21M | $2.20 | 31.7% | 45.0% |
| 2020 | $11M | +62.4% | $15M | $1.57 | 25.9% | 36.8% |
| 2019 | $6M | +11.2% | $9M | $0.97 | 19.9% | 27.3% |
| 2018 | $6M | +77.0% | $8M | $0.87 | 20.9% | 28.9% |
| 2017 | $3M | -33.7% | $6M | $0.49 | 14.7% | 26.4% |
| 2016 | $5M | -17.6% | $8M | $0.75 | 22.7% | 38.5% |
| 2015 | $6M | +9.9% | $10M | $0.89 | 28.4% | 48.4% |
| 2014 | $5M | +26.9% | $9M | $0.81 | 27.5% | 46.8% |
| 2013 | $4M | +25.3% | $7M | $0.62 | 22.1% | 37.7% |
| 2012 | $3M | +54.8% | $6M | $0.45 | 16.9% | 28.7% |
| 2011 | $2M | +23.3% | $4M | $0.24 | 10.8% | 18.4% |
| 2010 | $2M | -13.2% | $3M | $0.19 | 9.0% | 15.8% |
| 2009 | $2M | +106.2% | $4M | $0.24 | 9.6% | 16.3% |
| 2008 | $1M | -48.0% | $2M | $0.15 | 4.4% | 7.6% |
| 2007 | $2M | -30.8% | $3M | $0.29 | 8.1% | 13.8% |
| 2006 | $3M | -10.3% | $5M | $0.50 | 12.9% | 22.3% |
| 2005 | $3M | +17.3% | $5M | $0.68 | 16.9% | 28.7% |
| 2004 | $3M | +23.2% | $5M | $0.57 | 50.7% | 86.1% |
| 2003 | $2M | - | $4M | $0.47 | 254.5% | 432.9% |
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SSBI — Frequently Asked Questions
Quick answers to the most common questions about buying SSBI stock.
What is SSBI earnings per share (EPS)?
SSBI trailing twelve-month (TTM) diluted EPS is $0.89, reflecting +262.9% year-over-year growth. The 5-year EPS CAGR is -8.4%. Complete EPS history from 2003 to 2025 is available in the table on this page.
What is Summit State Bank's net income?
Summit State Bank (SSBI) trailing twelve-month net income is $6M as of 2025. Earnings grew +262.9% year-over-year.
Is SSBI profitable?
Yes, SSBI is profitable with a TTM net income of $6M and a net profit margin of +11.6%.
What is SSBI's earnings growth rate?
SSBI compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: -26.5%, 5-Year: -8.4%, 10-Year: +1.3%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2003 to 2025.
What are SSBI's profit margins?
Summit State Bank net profit margin is +11.6%, operating margin is +15.2%, and gross margin is +55.8%. Margins are within a typical range for the sector. Return on Equity is +7.0%.
Is SSBI growing earnings?
Yes, SSBI earnings are accelerating — EPS growth of +262.9% exceeds the 5-year CAGR of -8.4%. TTM net income reached $6M. Earnings momentum is strengthening.
What was SSBI's best earnings year?
Summit State Bank's highest annual net income on record is $17M, achieved in fiscal year 2022. Earnings history on this page spans 2003 to 2025 and includes all annual and quarterly figures.
What were SSBI's earnings last quarter?
SSBI's most recent reported quarter was Q1 2026. Net income was $2M with diluted EPS of $0.25. For a full breakdown of all quarters, see the quarterly earnings table on this page.