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StockVS

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.

SSBI

$12.66

$0.00 (0.00%)

Sep 4, 2026 · Market close

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Price History

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

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SSBI Key Statistics

As of Sep 4, 2026
Trading
Open
$12.66
Previous Close
$12.66
Day's Range
12.65–12.66
52-Week Range
10.35–14.00
Volume
1.30K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.20
Valuation
Market Cap
$85.67M
P/E Ratio
38.36
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.14
EPS (ttm)Profit attributable to each share over the last twelve months.
0.33
Financials (FY)
Revenue (FY)
$34.99M+6.86%
Net Income (FY)
$6.80M
Profit marginThe share of revenue left as profit after all costs and taxes.
8.25%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
6.77M
1-Year Return
+7.38%
Dividend and dates
Avg Volume
4.69K

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

SSBI Stock Return by Calendar Year

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

YearReturn
2026 (partial year)+8.86%
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 September 4, 2026.

SSBI Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$34.99M$6.80M19.4%
2024$32.74M−$4.19M−12.8%
2023$40.28M$10.82M26.9%
2022$49.63M$16.97M34.2%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$34.99M——$6.80M19.4%
2024$32.74M——−$4.19M−12.8%
2023$40.28M——$10.82M26.9%
2022$49.63M——$16.97M34.2%

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

SSBI Valuation vs Banks - Regional Median

Median of 380 stocks
MetricSSBIBanks - Regional medianvs median
P/E38.3612.623.0x the median
P/S ratio3.143.7717% below
Profit margin8.25%29.15%20.9 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Summit State Bank (SSBI) carries a market capitalisation of $85.67M. 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 $12.66, dated September 4, 2026. The close was unchanged from the previous session. The latest close sits 22.32% 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 20.9 percentage points below the Banks - Regional median of 29.15%. 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 38.36. That is 3 times the Banks - Regional median of 12.62. The price-to-sales ratio is 3.14. On price-to-sales that is 16.74% below the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The reported beta is 0.2. Daily returns over the trailing 10 years annualize to a volatility of 36.84%. The trailing one-year price return is +7.38%. Measured over 10 years, that is +5.36% a year compounded.

Growth & Income

The record shows no dividend for SSBI.

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 price is +8.86%.

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 $85.67M 38.4
Mizuho Financial Group, Inc. MFG $135.92B 16.0
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.7

The Banks - Regional industry average P/E ratio is 12.6x. Summit State Bank trades at a P/E of 38.4.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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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.

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