NASDAQ · Banks - Regional · USD

Summit State Bank (SSBI) Stock Analysis

Summit State Bank (SSBI) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 20, 2026

SSBI

$11.99

−$0.16 (−1.32%)

Oct 20, 2026 · Market close

Compare

Price History

Hover for the daily close. The dotted line marks the period open.

Compare SSBI with… →

SSBI Key Statistics

As of Oct 20, 2026

Trading

Open: $12.75
Previous Close: $12.15
Day's Range: 11.99–12.75
52-Week Range: 10.35–14.00
Volume: 5.11K
Beta: 0.35

Valuation

Market Cap: $81.13M
P/E Ratio: 36.33
P/S ratio: 2.97
EPS (ttm): 0.33

Financials (FY)

Revenue (FY): $34.99M+6.86%
Net Income (FY): $6.80M
Profit margin: 8.25%
Shares Outstanding: 6.77M
1-Year Return: +1.61%

Dividend and dates

Avg Volume: 4.60K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 20, 2026, SSBI closed at $11.99, +1.61% over 1 year.

Summit State Bank (SSBI) has a market capitalization of $81.13M.

In fiscal 2025, SSBI reported revenue of $34.99M.

SSBI Stock Return by Calendar Year

Summit State Bank (SSBI) 10-year return: what $10,000 became

1 year: $10,000 $10,161; +1.61%
5 years: $10,000 $7,667; −23.33%
10 years: $10,000 $16,183; +61.83%

If you had invested $10,000 in Summit State Bank (SSBI) 10 years ago, at the close on October 20, 2016, it would have been worth $16,183 at the close on October 20, 2026: +61.83% in total, +4.93% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

−35.91%+52.03%+3.10%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+3.10%
2025	+52.03%
2024	−35.91%
2023	−19.64%
2022	+5.22%
2021	+30.20%
2020	+8.41%
2019	+14.69%
2018	−3.26%
2017	+8.75%
2016 (partial year)	+9.84%

As of October 20, 2026.

SSBI Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$34.99M	$6.80M	19.4%
2024	$32.74M	−$4.19M	−12.8%
2023	$40.28M	$10.82M	26.9%
2022	$49.63M	$16.97M	34.2%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$34.99M	—	—	$6.80M	19.4%
2024	$32.74M	—	—	−$4.19M	−12.8%
2023	$40.28M	—	—	$10.82M	26.9%
2022	$49.63M	—	—	$16.97M	34.2%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

SSBI Dividend History

’16’17’18’19’20’21’22’23’24

$0.28−41.7% vs 2023

Dividends per share, 2024 · 3 payments

Year	Dividends per share	Payments	Change
2024	$0.28	3	−41.7%
2023	$0.48	4	+0.0%
2022	$0.48	4	+7.3%
2021	$0.45	4	+2.5%

Year	Dividends per share	Payments	Change
2024	$0.28	3	−41.7%
2023	$0.48	4	+0.0%
2022	$0.48	4	+7.3%
2021	$0.45	4	+2.5%
2020	$0.44	4	+0.0%
2019	$0.44	4	+0.0%
2018	$0.44	4	+5.3%
2017	$0.41	4	+375.0%
2016	$0.09	1	—

Most recent payment: $0.09 per share, ex-dividend October 3, 2024. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

SSBI Valuation vs Banks - Regional Median

Median of 326 stocks

Metric	SSBI	Banks - Regional median	vs median
P/E	36.33	12.03	3.0x the median
P/S ratio	2.97	3.58	17% below
Profit margin	8.25%	29.44%	21.2 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Analysis

Data-derived

Company Overview

Summit State Bank (SSBI) carries a market capitalisation of $81.13M. The company sits in the Financial Services sector, in the Banks - Regional industry. Headcount on file is 103.

The 52-week range on file runs from $10.35 to $14.00. The most recent close on file for SSBI is $11.99, dated October 20, 2026. That is −$0.16 (−1.32%) against the previous close. The latest close sits 15.85% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $34.99M. That is +6.86% against the prior fiscal year, when revenue was $32.74M. Net income for the same year was $6.80M. Profit margin runs at 8.25%. That is 21.2 percentage points below the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 0.33.

Across the 4 fiscal years on file, revenue moves from $49.63M in 2022 to $34.99M in 2025. Of those 4 years, 3 report positive net income.

Valuation Assessment

SSBI trades at a trailing price-to-earnings ratio of 36.33. That is 3 times the Banks - Regional median of 12.03. The price-to-sales ratio is 2.97. On price-to-sales that is 16.9% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.35. Daily returns over the trailing 10 years annualize to a volatility of 37.11%. The trailing one-year total return is +1.61%. Measured over 10 years, that is +4.93% a year compounded.

Growth & Income

The latest dividend on file for SSBI dates from 2024. Dividends are recorded for 9 calendar years; 2024 shows 3 payments totalling $0.28 a share. The year before, 2023, totalled $0.48 a share.

Across the complete calendar years on file, 2025 returned +52.03% and 2024 returned −35.91%. Of the 9 complete calendar years on file, 6 finished higher. So far in 2026 the total return is +3.10%.

Peer Comparison

Summit State Bank (SSBI) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
Summit State Bank	SSBI	$81.13M	36.3
Mizuho Financial Group, Inc.	MFG	$120.84B	13.7
HDFC Bank Limited	HDB	$116.51B	14.6
Itaú Unibanco Holding S.A.	ITUB	$106.91B	12.4

The Banks - Regional industry average P/E ratio is 12.0x. Summit State Bank trades at a P/E of 36.3.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 20, 2026.

Related Banks - Regional Stocks

MFG

Mizuho Financial Group, Inc.

$120.84B

HDB

HDFC Bank Limited

$116.51B

ITUB

Itaú Unibanco Holding S.A.

$106.91B

IBN

ICICI Bank Limited

$106.04B

USB

U.S. Bancorp

$92.00B

PNC

The PNC Financial Services Group, Inc.

$88.92B

View all Banks - Regional stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.11T

JPM

JPMorgan Chase & Co.

$890.13B

Visa Inc.

$765.68B

Mastercard Incorporated

$545.42B

BAC

Bank of America Corporation

$358.24B

View all Financial Services stocks →

About Summit State Bank

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.

Visit website →