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Summit state bankSSBI.US Overview

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SSBI Recent Performance

1.22%

Summit state bank

1.79%

Avg of Sector

-0.31%

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SSBI Key Information

SSBI Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

SSBI Profile

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, 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.

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SSBI FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

SSBI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.02
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
2.70
PB Ratio
0.89
Price-to-FCF
21.89
METRIC
VALUE
vs. INDUSTRY
Gross Margin
55.76%
Net Margin
11.55%
Revenue Growth (YoY)
-5.13%
Profit Growth (YoY)
32.26%
3-Year Revenue Growth
-0.14%
3-Year Profit Growth
-18.47%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.02
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
2.70
PB Ratio
0.89
Price-to-FCF
21.89
Gross Margin
55.76%
Net Margin
11.55%
Revenue Growth (YoY)
-5.13%
Profit Growth (YoY)
32.26%
3-Year Revenue Growth
-0.14%
3-Year Profit Growth
-18.47%

  • When is SSBI's latest earnings report released?

    The most recent financial report for Summit state bank (SSBI) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating SSBI's short-term business performance and financial health. For the latest updates on SSBI's earnings releases, visit this page regularly.

  • Where does SSBI fall in the P/E River chart?

    According to historical valuation range analysis, Summit state bank (SSBI)'s current price-to-earnings (P/E) ratio is 18.17, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of SSBI?

    According to the latest financial report, Summit state bank (SSBI) reported an Operating Profit of 1.35M with an Operating Margin of 10.37% this period, representing a growth of 115.82% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is SSBI's revenue growth?

    In the latest financial report, Summit state bank (SSBI) announced revenue of 13.03M, with a Year-Over-Year growth rate of -15.39%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does SSBI have?

    At the end of the period, Summit state bank (SSBI) held Total Cash and Cash Equivalents of 65.52M, accounting for 0.07 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does SSBI go with three margins increasing?

    In the latest report, Summit state bank (SSBI) achieved the “three margins increasing” benchmark, with a gross margin of 54.43%%, operating margin of 10.37%%, and net margin of 8.19%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess SSBI's profit trajectory and future growth potential.

  • Is SSBI's EPS continuing to grow?

    According to the past four quarterly reports, Summit state bank (SSBI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.16. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of SSBI?

    Summit state bank (SSBI)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of SSBI?

    The latest valuation data shows Summit state bank (SSBI) has a Price-To-Earnings (PE) ratio of 18.17 and a Price/Earnings-To-Growth (PEG) ratio of 0.55. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.