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Summit Bancshares, Inc.

Summit Bancshares, Inc.

SMAL
Summit Bancshares, Inc.US flagOther OTC
58.15
USD
+0.05
- -
67.70MMarket Cap
Summit Bancshares, Inc.
SMAL
(Other OTC)

Recent

price

58.15

P/E

ratio

- -

div

yld

- -

ROIC.AI

2004
2005
2006
2007
2008
2009
2010
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.48
5.4
6.41
7.33
7.78
6.41
6.26
9.17
10.45
11.9
10.97
10.52
11.54
15.16
13.92
- -
6.24
Revenue per Share
0.89
1.35
1.99
2.37
1.58
0.4
0.76
1.54
2.58
3.79
2.33
1.95
2.9
4.72
3.9
- -
2.02
Basic EPS, GAAP
- -
- -
- -
2.5
2.5
2.18
1.76
-2.14
2.15
3.8
2.45
3.3
3.52
5.23
4.18
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
1.37
0.37
- -
- -
0.28
0.3
0.31
0.66
0.36
0.4
1.22
1.9
- -
- -
Dividend per Share
7.52
7.96
8.96
13.64
13.56
14.16
14.92
- -
26.19
29.71
31.31
32.92
35.1
38.88
40.89
- -
11.61
Book Value per Share
7.52
7.96
8.96
13.64
13.56
14.16
14.92
- -
26.19
29.71
31.31
32.92
35.1
38.88
40.89
- -
11.61
Tangible Book Value per Share
2
2
2
2
1
1
1
1
1
1
1
1
1
1
1
- -
2
Basic Weighted Avg Shares
8
10
12
11
10
8
8
11
12
14
13
13
14
18
16
14
11
Sales/Revenue/Turnover
32.38
40.53
50.85
51.86
32.51
11.05
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
38.12
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
4
4
2
1
1
2
3
5
3
2
3
5
5
3
4
Net Income, GAAP
38.91
38.5
39.03
37.61
37.43
43.78
38.48
57.8
29.47
28.39
29.16
29.18
29.59
29.43
29.35
29.1
37.61
Effective Tax Rate (%)
19.78
24.93
31
32.35
20.34
6.21
12.08
16.79
24.69
31.85
21.24
18.54
25.13
31.14
28.02
20.96
32.35
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
3
3
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
- -
LT Debt
14
15
16
21
18
18
19
- -
31
35
37
39
41
45
48
49
21
Total Equity
8.88
14.33
21.42
19.64
10.69
2.85
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
14.44
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.67
17.37
23.5
19.64
10.69
2.85
5.2
19.05
19.7
13.55
7.65
6.07
8.45
12.71
9.78
6.27
19.64
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'07
Sep'07
Dec'07
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
45
44
41

Working Capital

FRC

•

in mil. unless spec.
Jun'07
Sep'07
Dec'07
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
41
36
32
Accounts Receivable, Net
1
1
7
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
3
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
5.53%
2.91%
Free Cash Flow
-33.85%
10.24%
-15.29%
Net Income, GAAP
29.34%
8.07%
-33.29%
Sales/Revenue/Turnover
6.72%
2.95%
-10.83%
Total Cash Common Dividend
- -
39.33%
-25.79%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
18
2024
- -
- -
- -
- -
16
2025
- -
- -
- -
- -
14

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
4.72
2024
- -
- -
- -
- -
3.9
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
1.22
2024
- -
- -
- -
- -
1.9
2025
- -
- -
- -
- -
- -
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Business
Summit Bancshares, Inc. (OTC: SMAL) operates as the holding company for Summit Bank, which provides commercial credit and a broad range of banking services to small and mid-sized businesses, professionals, and individuals in California; core offerings include checking and savings accounts, certificates of deposit, commercial real estate loans, land development and construction loans, commercial and consumer loans, and letters of credit. The bank serves professional firms such as physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors through branches in Oakland, Emeryville, and Walnut Creek. Founded in 1982 and headquartered at 2969 Broadway in Oakland, California, Summit Bancshares focuses on the regional banking sector within the financial services industry. In a major strategic development, San Francisco Federal Credit Union announced in 2025 its all-cash acquisition of Summit Bank, expected to close in the first quarter of 2026, to expand geographically into Alameda and Contra Costa Counties, enhance commercial banking capabilities, and integrate Summit Bank's three branches into a broader 10-branch Bay Area network. The company also declared a special cash dividend of $0.43 per share in April 2025 to mark its 43rd anniversary, replacing the standard quarterly dividend, and increased its regular quarterly dividend to $0.12 per share in January 2025.

Company News

APIChatGPT

  • businesswire.com

    Summit Bancshares, Inc. Announces Special Cash Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces Special Cash Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces Special Cash Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces 1st Quarter Cash Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces the Appointment of Denise Dodini to the Board of Directors

  • businesswire.com

    Summit Bancshares, Inc. Announces a Special Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces a Special Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces a Special Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces 1st Quarter Cash Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces a Special Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces 1st Quarter Cash Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces 4th Quarter Cash Dividend

  • businesswire.com

    Summit Bancshares, Inc. Announces 3rd Quarter Cash Dividend