Summit State Bank (SSBI)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 12.90 $ — 69% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AAQS
2/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 11.6%
- Exp. sales growth 3Y > 5% –
- EBIT growth 10Y > 5% 0.7%
- Exp. EBIT growth 3Y > 5% –
- Net debt < 4x EBIT -6.6x
- EBIT positive, 10Y straight 9
- Max. EBIT decline < 50% 100.0%
- Return on equity > 15% 6.7%
- ROCE > 15% 0.9%
- Expected return > 10% –
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
4 of 10 Weak growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 1.6% failed
- More than 10% revenue growth is expected for the coming year no data
- Share count grows by less than 3% a year 0.2% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 6.0% failed
- Gross margin at 40% or higher and without meaningful erosion 55.8% failed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 60 m net cash passed
- Operating cash flow covers the profits of the last three years -3 m failed
- Return on capital at 15% or higher, or up versus two years ago 0.9% failed
- Insiders hold at least 10% or are net buyers 32.1% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 44.2% below the current price.
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Next Reporting Date
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -1.05 | -475.90 | 15 | 2.90 | -46.40 | 2 | 2 |
| 2025: Q1 | 0.37 | 78.80 | 15 | -1.50 | 16.40 | -3 | -3 |
| 2025: Q2 | 0.36 | 160.50 | 16 | 2.10 | 15.60 | 0 | 0 |
| 2025: Q3 | 0.12 | 30.70 | 15 | -5.60 | 5.40 | 7 | 7 |
| 2025: Q4 | 0.16 | – | 13 | -15.40 | 8.20 | 3 | 3 |
| 2026: Q1 | 0.25 | -32.90 | 15 | -0.90 | 11.10 | 4 | 4 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 22 | 8 | 5 | 0.75 | 5 | 59 | 514 |
| 2017 | 22 | 6 | 3 | 0.49 | 4 | 60 | 611 |
| 2018 | 28 | 8 | 6 | 0.87 | 4 | 62 | 622 |
| 2019 | 32 | 9 | 6 | 0.97 | 4 | 67 | 696 |
| 2020 | 41 | 15 | 11 | 1.57 | 4 | 76 | 866 |
| 2021 | 46 | 21 | 15 | 2.20 | 52 | 84 | 958 |
| 2022 | 56 | 24 | 17 | 2.54 | 14 | 89 | 1,115 |
| 2023 | 65 | 15 | 11 | 1.62 | -2 | 98 | 1,123 |
| 2024 | 62 | -4 | -4 | -0.62 | 6 | 92 | 1,067 |
| 2025 | 59 | 9 | 7 | 1.01 | 7 | 101 | 1,005 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Summit State Bank bietet Privatpersonen und Unternehmen, hauptsächlich im Sonoma County (Kalifornien), verschiedene Bankprodukte und -dienstleistungen an. Es bietet private und geschäftliche Giro-, Geldmarkt-, Sweep-, Spar- und Sichteinlagenkonten, Termineinlagen sowie spezialisierte Einlagenkonten…
| Employees | 103 |
|---|---|
| Headquarters | Santa Rosa, CA |
| Address | 500 Bicentennial Way, 95403 Santa Rosa, United States |
| Phone | 707 568 6000 |
| Website | summitstatebank.com |
| IPO Date | 14. Jul 2006 |
| ISIN | US8662642037 |
| Stock Split | 11:10 on 10/28/2021 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Brian J. Reed | President, CEO & Director | 1959 |
| Genie M. Del Secco | Executive VP & COO | 1969 |
| Brandy A. Lee Seppi | Executive VP & Chief Banking Officer | 1975 |
| Camille D. Kazarian | Executive VP & CFO | 1979 |
| Elaina Hunt | Vice President of Marketing & Community Relations | – |
| Wayne Hoffer | Senior Vice President | – |
| Karen Holloway CPA | Senior Vice President | – |
| John Osborne | Senior VP & Senior Relationship Manager | – |
| Michael J. Floyd | Executive VP & Chief Credit Officer | 1962 |
| Janet Connors | Senior VP & Senior Relationship Manager | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.