Symbols / SSBI Stock $13.75 -0.15% Summit State Bank

Financial Services • Banks - Regional • United States • NGM
SSBI (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Brian J. Reed
Exch · Country NGM · United States
Market Cap 93.11M
Enterprise Value 35.12M
Income 6.80M
Sales 32.81M
FCF (ttm)
Book/sh 14.94
Cash/sh 9.67
Employees 103
Insider 10d
IPO Jul 14, 2006
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 13.61
Forward P/E
PEG
P/S 2.84
P/B 0.92
P/C
EV/EBITDA
EV/Sales 1.07
Quick Ratio
Current Ratio
Debt/Eq
LT Debt/Eq
EPS (ttm) 1.01
EPS next Y
EPS Growth
Revenue Growth 3.27%
EPS Gr Q/Q
Rev Gr Q/Q
Earnings (next) 2013-07-29
Earnings (prior) 2013-07-29
ROA 0.66%
ROE 7.05%
ROIC
Gross Margin 0.00%
Oper. Margin 19.05%
Profit Margin 20.71%
Shs Outstand 6.77M
Shs Float 5.77M
Insider Own 28.68%
Instit Own 28.84%
Short Float 0.19%
Short Ratio 2.41
Short Interest 10.68K
52W High 14.00
vs 52W High -1.79%
52W Low 8.40
vs 52W Low 63.69%
Beta 0.17
Impl. Vol.
Rel Volume 0.32
Avg Volume 4.89K
Volume 1.55K
Target (mean)
Tgt Median
Tgt Low
Tgt High
# Analysts
Recom None
Prev Close $13.77
Price $13.75
Change -0.15%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$13.75
Low
High
Mean

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2013-05-06 down Hilliard Lyons Buy → Neutral
2012-11-06 up Hilliard Lyons Neutral → Long-Term Buy $8
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-13 REYNOLDS DOUGLAS VERNON Director 2,455 $13.00 $31,915
2026-02-10 KAZARIAN CAMILLE Chief Financial Officer 1,000 $13.78 $13,780
2025-12-11 REYNOLDS DOUGLAS VERNON Director 3,028 $11.28 $34,558
2025-11-25 WRIGHT JOHN W Director 1,000 $10.80 $10,800
2025-09-12 KAZARIAN CAMILLE Chief Financial Officer 220 $11.95 $2,629
2025-09-11 KAZARIAN CAMILLE Chief Financial Officer 440 $11.83 $5,205
2025-06-13 ALLEN JEFFREY B Director 6,501 $9.75 $64,042
2025-05-15 REYNOLDS DOUGLAS VERNON Director 5,000 $9.35 $46,750
2025-05-14 REYNOLDS DOUGLAS VERNON Director 7,700 $9.27 $71,779
2025-05-08 REYNOLDS DOUGLAS VERNON Director 8,000 $9.20 $77,130
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
34.99
+6.86%
32.74
-18.71%
40.28
-18.84%
49.63
Operating Revenue
34.99
+6.86%
32.74
-18.71%
40.28
-18.84%
49.63
Selling General And Administration
17.60
-4.23%
18.37
+0.59%
18.27
+3.03%
17.73
Selling And Marketing Expense
1.11
+14.61%
0.96
-24.25%
1.27
-14.15%
1.48
General And Administrative Expense
16.49
-5.28%
17.41
+2.45%
16.99
+4.60%
16.25
Salaries And Wages
15.23
-5.75%
16.16
+0.50%
16.08
+3.33%
15.56
Other Gand A
Reconciled Depreciation
0.38
-3.06%
0.39
+1.82%
0.39
-1.53%
0.39
Total Unusual Items Excluding Goodwill
-2.14
+55.47%
-4.81
0.00
Special Income Charges
0.00
+100.00%
-4.12
0.00
Impairment Of Capital Assets
0.00
-100.00%
4.12
0.00
Net Income
6.80
+262.08%
-4.19
-138.75%
10.82
-36.22%
16.97
Pretax Income
8.96
+304.26%
-4.39
-128.72%
15.28
-35.98%
23.87
Net Interest Income
34.43
+18.89%
28.96
-17.36%
35.05
-16.81%
42.13
Interest Expense
23.48
-19.82%
29.29
+18.19%
24.78
+279.52%
6.53
Interest Income
57.91
-0.58%
58.25
-2.64%
59.83
+22.96%
48.66
Gain On Sale Of Security
0.02
-35.71%
0.03
+148.28%
-0.06
-1550.00%
0.00
Tax Provision
2.17
+1211.28%
-0.20
-104.37%
4.46
-35.40%
6.90
Tax Rate For Calcs
0.00
+450.00%
0.00
-84.93%
0.00
+1.04%
0.00
Tax Effect Of Unusual Items
-0.52
-144.94%
-0.21
0.00
0.00
Net Income Including Noncontrolling Interests
6.80
+262.08%
-4.19
-138.75%
10.82
-36.22%
16.97
Net Income From Continuing Operation Net Minority Interest
6.80
+262.08%
-4.19
-138.75%
10.82
-36.22%
16.97
Net Income From Continuing And Discontinued Operation
6.80
+262.08%
-4.19
-138.75%
10.82
-36.22%
16.97
Net Income Continuous Operations
6.80
+262.08%
-4.19
-138.75%
10.82
-36.22%
16.97
Normalized Income
8.42
+1967.51%
0.41
-96.24%
10.82
-36.22%
16.97
Net Income Common Stockholders
6.80
+262.08%
-4.19
-138.75%
10.82
-36.22%
16.97
Diluted EPS
-0.62
-138.27%
1.62
-36.22%
2.54
Basic EPS
-0.62
-138.27%
1.62
-36.22%
2.54
Basic Average Shares
6.71
+0.28%
6.70
+0.12%
6.69
Diluted Average Shares
6.71
+0.23%
6.70
+0.16%
6.69
Diluted NI Availto Com Stockholders
6.80
+262.08%
-4.19
-138.75%
10.82
-36.22%
16.97
Insurance And Claims
1.26
+0.80%
1.25
+36.83%
0.92
+33.38%
0.69
Occupancy And Equipment
1.69
-3.86%
1.76
+2.80%
1.71
-0.17%
1.72
Other Non Interest Expense
3.10
-11.34%
3.49
+5.94%
3.30
+12.91%
2.92
Professional Expense And Contract Services Expense
1.08
-25.62%
1.45
-0.07%
1.45
+70.07%
0.85
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,004.59
-5.86%
1,067.09
-4.94%
1,122.51
+0.64%
1,115.34
Cash And Cash Equivalents
65.52
+27.47%
51.40
-11.05%
57.79
-25.50%
77.57
Other Short Term Investments
55.38
-7.81%
60.07
-21.31%
76.33
-8.90%
83.78
Receivables
25.97
Accounts Receivable
17.09
Other Receivables
8.88
Net PPE
4.82
-6.46%
5.16
-3.03%
5.32
-2.66%
5.46
Gross PPE
13.76
-1.00%
13.90
+0.11%
13.88
+1.60%
13.66
Accumulated Depreciation
-8.94
-2.22%
-8.74
-2.05%
-8.56
-4.44%
-8.20
Land And Improvements
1.18
+0.00%
1.18
+0.00%
1.18
+0.00%
1.18
Buildings And Improvements
7.92
+0.00%
7.92
-0.23%
7.93
+1.43%
7.82
Machinery Furniture Equipment
3.79
-3.00%
3.91
+0.72%
3.88
+2.89%
3.77
Leases
0.87
-2.47%
0.89
+0.57%
0.88
-0.23%
0.89
Goodwill And Other Intangible Assets
0.00
-100.00%
4.12
+0.00%
4.12
Goodwill
0.00
-100.00%
4.12
+0.00%
4.12
Investments And Advances
61.86
-8.33%
67.48
-20.36%
84.74
-8.56%
92.67
Total Liabilities Net Minority Interest
903.41
-7.38%
975.37
-4.83%
1,024.83
-0.19%
1,026.80
Payables And Accrued Expenses
12.56
Payables
12.56
Accounts Payable
12.56
Long Term Debt And Capital Lease Obligation
5.95
+0.24%
5.93
+0.25%
5.92
-87.38%
46.91
Long Term Debt
5.95
+0.24%
5.93
+0.25%
5.92
-87.38%
46.91
Stockholders Equity
101.17
+10.30%
91.72
-6.10%
97.68
+10.31%
88.55
Common Stock Equity
101.17
+10.30%
91.72
-6.10%
97.68
+10.31%
88.55
Capital Stock
37.95
+0.57%
37.74
+0.72%
37.47
+0.79%
37.18
Common Stock
37.95
+0.57%
37.74
+0.72%
37.47
+0.79%
37.18
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
6.77
-0.07%
6.78
-0.11%
6.78
+0.76%
6.73
Ordinary Shares Number
6.77
-0.07%
6.78
-0.11%
6.78
+0.76%
6.73
Retained Earnings
69.67
+10.81%
62.87
-8.83%
68.96
+12.33%
61.39
Gains Losses Not Affecting Retained Earnings
-6.45
+27.40%
-8.89
-1.55%
-8.75
+12.67%
-10.02
Other Equity Adjustments
-6.45
+27.40%
-8.89
-1.55%
-8.75
+12.67%
-10.02
Total Equity Gross Minority Interest
101.17
+10.30%
91.72
-6.10%
97.68
+10.31%
88.55
Total Capitalization
107.12
+9.69%
97.66
-5.73%
103.60
-23.52%
135.45
Invested Capital
107.12
+9.69%
97.66
-5.73%
103.60
-23.52%
135.45
Total Debt
5.95
+0.24%
5.93
+0.25%
5.92
-87.38%
46.91
Net Debt
Net Tangible Assets
101.17
+10.30%
91.72
-1.96%
93.56
+10.82%
84.43
Tangible Book Value
101.17
+10.30%
91.72
-1.96%
93.56
+10.82%
84.43
Available For Sale Securities
6.48
-12.60%
7.41
-11.80%
8.40
-5.36%
8.88
Cash Cash Equivalents And Federal Funds Sold
65.52
+27.47%
51.40
-11.05%
57.79
-25.50%
77.57
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
6.59
+12.74%
5.85
+345.80%
-2.38
-117.35%
13.72
Cash Flow From Continuing Operating Activities
6.59
+12.74%
5.85
+345.80%
-2.38
-117.35%
13.72
Net Income From Continuing Operations
6.80
+262.08%
-4.19
-138.75%
10.82
-36.22%
16.97
Depreciation Amortization Depletion
0.38
-3.06%
0.39
+1.82%
0.39
-1.53%
0.39
Depreciation And Amortization
0.38
-3.06%
0.39
+1.82%
0.39
-1.53%
0.39
Other Non Cash Items
0.01
-6.67%
0.01
+0.00%
0.01
+7.14%
0.01
Stock Based Compensation
0.74
+281.91%
-0.41
-2656.25%
0.02
-97.39%
0.61
Asset Impairment Charge
0.00
-100.00%
4.12
0.00
Operating Gains Losses
1.33
+191.72%
-1.45
+40.20%
-2.42
+58.53%
-5.84
Gain Loss On Investment Securities
0.01
+333.33%
-0.01
0.00
+100.00%
-0.00
Change In Working Capital
-4.03
-781.25%
0.59
+106.80%
-8.71
-363.10%
3.31
Change In Receivables
-3.05
-140.28%
-1.27
+21.20%
-1.61
+55.44%
-3.62
Changes In Account Receivables
-3.05
-140.28%
-1.27
+21.20%
-1.61
+55.44%
-3.62
Change In Payables And Accrued Expense
-0.98
-152.55%
1.86
+126.27%
-7.09
-202.37%
6.93
Change In Payable
-0.98
-152.55%
1.86
+126.27%
-7.09
-202.37%
6.93
Change In Account Payable
-0.98
-152.55%
1.86
+126.27%
-7.09
-202.37%
6.93
Investing Cash Flow
78.98
+114.67%
36.79
+282.26%
-20.18
+82.77%
-117.18
Cash Flow From Continuing Investing Activities
78.98
+114.67%
36.79
+282.26%
-20.18
+82.77%
-117.18
Net PPE Purchase And Sale
-0.05
+79.65%
-0.23
+3.75%
-0.24
-37.14%
-0.17
Purchase Of PPE
-0.05
+79.65%
-0.23
+3.75%
-0.24
-37.14%
-0.17
Capital Expenditure
-0.05
+79.65%
-0.23
+3.75%
-0.24
-37.14%
-0.17
Net Investment Purchase And Sale
5.45
-56.76%
12.60
+2935.42%
0.41
+101.31%
-31.73
Purchase Of Investment
-0.05
+98.52%
-3.58
-514.58%
-0.58
+98.29%
-34.03
Sale Of Investment
5.50
-66.01%
16.18
+1521.24%
1.00
-56.68%
2.30
Net Other Investing Changes
-0.35
+56.72%
-0.80
-92.81%
-0.42
Financing Cash Flow
-71.45
-45.74%
-49.03
-1859.10%
2.79
-98.01%
140.33
Cash Flow From Continuing Financing Activities
-71.45
-45.74%
-49.03
-1859.10%
2.79
-98.01%
140.33
Net Issuance Payments Of Debt
0.00
0.00
+100.00%
-41.00
-446.67%
-7.50
Issuance Of Debt
1,164.50
-25.93%
1,572.15
0.00
0.00
Repayment Of Debt
-1,164.50
+25.93%
-1,572.15
-3734.51%
-41.00
-446.67%
-7.50
Long Term Debt Issuance
0.00
Long Term Debt Payments
0.00
+100.00%
-41.00
-446.67%
-7.50
Net Long Term Debt Issuance
0.00
+100.00%
-41.00
-446.67%
-7.50
Short Term Debt Issuance
1,164.50
-25.93%
1,572.15
0.00
Short Term Debt Payments
-1,164.50
+25.93%
-1,572.15
0.00
Net Short Term Debt Issuance
0.00
0.00
0.00
0.00
Common Stock Dividend Paid
0.00
+100.00%
-1.90
+41.71%
-3.25
-0.77%
-3.23
Cash Dividends Paid
0.00
+100.00%
-1.90
+41.71%
-3.25
-0.77%
-3.23
Proceeds From Stock Option Exercised
0.00
0.00
Changes In Cash
14.12
+321.12%
-6.39
+67.71%
-19.78
-153.65%
36.87
Beginning Cash Position
51.40
-11.05%
57.79
-25.50%
77.57
+90.59%
40.70
End Cash Position
65.52
+27.47%
51.40
-11.05%
57.79
-25.50%
77.57
Free Cash Flow
6.55
+16.53%
5.62
+314.47%
-2.62
-119.35%
13.54
Interest Paid Supplemental Data
24.84
-11.97%
28.22
+15.89%
24.35
+277.91%
6.44
Income Tax Paid Supplemental Data
0.36
-16.08%
0.43
-93.36%
6.46
+14.47%
5.65
Amortization Of Securities
0.88
-9.02%
0.96
+109.33%
0.46
+7.46%
0.43
SEC Filings

No SEC filings found for this symbol (may be non-US or ticker not in SEC index).

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