Summit State Bank (SSBI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 34 | 42 | 50 | 40 | 33 | 35 | 37 | - |
| Operating profit | $m | 9 | 3 | ||||||
| Net profit | $m | 11 | 15 | 17 | 11 | -4 | 7 | 2 | - |
| EPS reported | $ | 1.01 | 0.34 | ||||||
| Operating cashflow per share | $ | 0.98 | 2.66 | ||||||
| Capex per share | $ | 0.01 | 0.03 | ||||||
| FCF per share | $ | 0.97 | 2.63 | ||||||
| Free cash flow | $m | 7 | 18 | ||||||
| Net debt | $m | -60 | -107 | ||||||
| Book value equity | $m | 101 | 101 | ||||||
| Book value per share | $ | 15.04 | 15.02 | ||||||
| Number of shares | m | 6.73 | 6.75 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.51 | 36.59 | ||||||
| P/B LTM | x | 0.77 | 0.77 | ||||||
| P/S LTM | x | 2.21 | 2.09 | ||||||
| P/FCF LTM | x | 11.95 | 4.41 | ||||||
| EV/EBITDA LTM | x | 2.00 | 5.79 | ||||||
| EV/Sales LTM | x | 0.32 | -0.33 | ||||||
| Earnings Yield LTM | % | +8.69% | +2.73% | ||||||
| FCF Yield | % | +8.37% | +22.68% | ||||||
| Quality | |||||||||
| ROE | % | +6.72% | +2.22% | ||||||
| ROIC | % | +0.68% | +0.23% | ||||||
| Operating margin | % | +15.24% | +5.07% | ||||||
| Gross margin | % | +55.78% | +46.87% | ||||||
| FCF/Sales | % | +11.13% | +30.50% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +7.93% | +14.43% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | +16.53% | +215.91% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | -100.00% | -100.00% | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 1.10 | 2.98 | ||||||
| Net Debt/EBITDA | x | -6.38 | -33.06 | ||||||
| EBIT/Net interest | x | 0.38 | 0.14 | ||||||
| Net debt/market cap | % | +7.60% | +6.81% | ||||||
| Net debt/Equity | x | -0.59 | -1.05 | ||||||
| Gross debt/equity | x | 0.06 | 0.06 | ||||||
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 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.
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.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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