Summit State Bank Statistics

Total Valuation

SSBI has a market cap or net worth of $94.80 million. The enterprise value is -$13.26 million.

Market Cap	94.80M
Enterprise Value	-13.26M

Important Dates

The next estimated earnings date is Tuesday, July 28, 2026, before market open.

Earnings Date	Jul 28, 2026
Ex-Dividend Date	n/a

Share Statistics

SSBI has 6.77 million shares outstanding. The number of shares has increased by 0.23% in one year.

Current Share Class	6.77M
Shares Outstanding	6.77M
Shares Change (YoY)	+0.23%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	9.55%
Owned by Institutions (%)	25.21%
Float	5.77M

Valuation Ratios

The trailing PE ratio is 15.78.

PE Ratio	15.78
Forward PE	n/a
PS Ratio	2.92
Forward PS	n/a
PB Ratio	0.92
P/TBV Ratio	0.92
P/FCF Ratio	7.02
P/OCF Ratio	6.99
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	0.55
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.04%.

Return on Equity (ROE)	6.04%
Return on Assets (ROA)	0.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.85%
Revenue Per Employee	$315,214
Profits Per Employee	$58,019
Employee Count	103
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SSBI has paid $2.16 million in taxes.

Income Tax	2.16M
Effective Tax Rate	26.56%

Stock Price Statistics

The stock price has increased by +44.93% in the last 52 weeks. The beta is 0.18, so SSBI's price volatility has been lower than the market average.

Beta (5Y)	0.18
52-Week Price Change	+44.93%
50-Day Moving Average	13.60
200-Day Moving Average	12.56
Relative Strength Index (RSI)	62.50
Average Volume (20 Days)	4,487

Short Selling Information

The latest short interest is 10,009, so 0.15% of the outstanding shares have been sold short.

Short Interest	10,009
Short Previous Month	12,497
Short % of Shares Out	0.15%
Short % of Float	0.17%
Short Ratio (days to cover)	2.38

Income Statement

In the last 12 months, SSBI had revenue of $32.47 million and earned $5.98 million in profits. Earnings per share was $0.89.

Revenue	32.47M
Gross Profit	32.47M
Operating Income	8.14M
Pretax Income	8.14M
Net Income	5.98M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.89

Full Income Statement

Balance Sheet

The company has $115.46 million in cash and $7.39 million in debt, giving a net cash position of $108.06 million or $15.96 per share.

Cash & Cash Equivalents	115.46M
Total Debt	7.39M
Net Cash	108.06M
Net Cash Per Share	$15.96
Equity (Book Value)	102.66M
Book Value Per Share	15.16
Working Capital	-758.99M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $13.55 million and capital expenditures -$44,000, giving a free cash flow of $13.51 million.

Operating Cash Flow	13.55M
Capital Expenditures	-44,000
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	13.51M
FCF Per Share	$2.00

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	25.06%
Pretax Margin	25.06%
Profit Margin	18.41%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	41.61%

Dividends & Yields

SSBI does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.23%
Shareholder Yield	-0.23%
Earnings Yield	6.30%
FCF Yield	14.25%

Dividend Details

Analyst Forecast

The average price target for SSBI is $6.55, which is -53.21% lower than the current price. The consensus rating is "Hold".

Price Target	$6.55
Price Target Difference	-53.21%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (3Y)	n/a
EPS Growth Forecast (3Y)	n/a

Stock Splits

The last stock split was on October 28, 2021. It was a forward split with a ratio of 1.1:1.

Last Split Date	Oct 28, 2021
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4