Summit Bancshares, Inc. (SMAL)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 13 | 13 | 14 | 18 | 14 | 14 | 11 | - |
| Operating profit | $m | 4 | 6 | ||||||
| Net profit | $m | 3 | 2 | 3 | 5 | 5 | 3 | 4 | - |
| EPS reported | $ | 2.60 | 2.37 | ||||||
| Operating cashflow per share | $ | 3.69 | 3.69 | ||||||
| Capex per share | $ | 0.16 | 0.16 | ||||||
| FCF per share | $ | 3.53 | 3.53 | ||||||
| Free cash flow | $m | 4 | 4 | ||||||
| Net debt | $m | -29 | -32 | ||||||
| Book value equity | $m | 49 | 21 | ||||||
| Book value per share | $ | 42.04 | 13.96 | ||||||
| Number of shares | m | 1.16 | 1.52 | ||||||
| DPS (TTM paid) | $ | 1.41 | 46.67 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 21.81 | - | ||||||
| P/B LTM | x | 1.35 | 3.12 | ||||||
| P/S LTM | x | 4.63 | 5.79 | ||||||
| P/FCF LTM | x | 16.04 | 16.97 | ||||||
| EV/EBITDA LTM | x | 13.80 | 10.37 | ||||||
| EV/Sales LTM | x | 3.74 | 3.85 | ||||||
| Earnings Yield LTM | % | +4.59% | +4.46% | ||||||
| FCF Yield | % | +6.23% | +5.89% | ||||||
| Quality | |||||||||
| ROE | % | +6.18% | +6.27% | ||||||
| ROIC | % | +1.08% | +1.08% | ||||||
| Operating margin | % | +26.04% | +26.04% | ||||||
| Gross margin | % | +85.20% | +85.20% | ||||||
| FCF/Sales | % | +25.11% | +25.11% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -33.33% | -39.23% | ||||||
| Sales Growth YoY | % | +1.44% | -18.99% | ||||||
| Net Income Growth YoY | % | -33.29% | -18.75% | ||||||
| FCF Growth | % | -15.29% | -19.95% | ||||||
| Operating Profit Growth | % | -39.21% | -15.86% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.49% | +1.89% | ||||||
| Dividend Growth | % | -25.79% | +2356.3% | ||||||
| Payout Ratio | % | +54.23% | +54.25% | ||||||
| FCF/Debt | x | 5.59 | - | ||||||
| Net Debt/EBITDA | x | -1.07 | -1.07 | ||||||
| EBIT/Net interest | x | 2.01 | 2.01 | ||||||
| Net debt/market cap | % | +0.55% | +0.54% | ||||||
| Net debt/Equity | x | -0.59 | -1.52 | ||||||
| Gross debt/equity | x | 0.02 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Summit Bancshares, Inc., operating through its subsidiary Summit Bank in California, provides a range of banking services, including commercial lending. Clients can access various deposit products, such as checking and savings accounts, alongside certificates of deposit. The institution also extends financing for commercial real estate, land development, and construction projects, as well as general commercial and consumer loans, and issues letters of credit. With three branch locations, the company serves a broad customer base, including small and mid-sized businesses, diverse professionals (such as physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors), and individual clients. Founded in 1982, Summit Bancshares, Inc. is headquartered in Oakland, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Summit Bancshares, Inc. (SMAL)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Summit Bancshares, Inc., operating through its subsidiary Summit Bank in California, provides a range of banking services, including commercial lending. Clients can access various deposit products, such as checking and savings accounts, alongside certificates of deposit. The institution also extends financing for commercial real estate, land development, and construction projects, as well as general commercial and consumer loans, and issues letters of credit. With three branch locations, the company serves a broad customer base, including small and mid-sized businesses, diverse professionals (such as physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors), and individual clients. Founded in 1982, Summit Bancshares, Inc. is headquartered in Oakland, California.
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