Summit State Bank

Summit State Bank

SSBI
Summit State BankUS flagNASDAQ Global Market
13.55
USD
+0.00
- -
91.75MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
2.79
2.88
3.08
3.13
3.06
3.59
3.81
5.15
6.3
7.42
6.02
4.88
- -
5.39
Basic EPS, GAAP
0.62
0.81
0.9
0.75
0.5
0.87
0.97
1.58
2.2
2.54
1.62
-0.62
- -
0.89
Free Cash Flow per Basic Share
0.83
0.63
0.67
0.76
0.61
0.43
3.52
0.54
1.11
2.03
-0.39
0.84
- -
2.01
Dividend per Share
0.34
0.34
0.36
0.35
0.41
0.44
0.44
0.44
0.45
0.48
0.49
0.28
- -
- -
Book Value per Share
7.63
8.1
8.64
9.01
9.09
9.49
10.02
11.16
12.67
14.74
15.9
14.99
- -
16.24
Tangible Book Value per Share
6.7
7.58
8.09
8.25
8.37
8.6
9.47
10.71
12
12.63
13.97
13.66
- -
15.25
Basic Weighted Avg Shares
7
7
7
7
7
7
7
7
7
7
7
7
- -
7
Sales/Revenue/Turnover
18
19
20
21
20
24
25
34
42
50
40
33
35
36
Operating Margin (%)
40.31
49.33
50.58
40.83
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
4
5
6
5
3
6
6
11
15
17
11
-4
7
6
Effective Tax Rate (%)
41.22
41.21
41.22
41.21
44.41
27.56
27.02
29.6
29.61
28.91
29.18
- -
24.18
26.56
Profit Margin (%)
23.7
29
29.73
24
16.23
24.35
25.46
30.56
34.95
34.19
26.87
-12.81
19.42
16.46
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
48
35
56
69
15
57
51
59
54
47
6
6
6
6
Total Equity
62
68
57
59
60
62
67
76
84
89
98
92
101
103
Return on Invested Capital (%)
4.06
5.16
5.59
4.13
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
8.34
10.37
10.79
8.54
5.5
9.43
9.95
14.88
18.47
18.52
10.56
-4.05
6.53
5.62

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
11
6
6
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7
7
7
Market Capitalization
80
78
90

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
68
121
126
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.99%
6.2%
10.3%
Free Cash Flow
36.68%
-45.82%
16.53%
Net Income, GAAP
-28.27%
-76.37%
-262.08%
Sales/Revenue/Turnover
6.91%
1.9%
6.86%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8
8
8
8
33
2025
9
9
10
7
35
2026
10
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.14
0.09
- -
-0.62
2025
0.37
0.36
0.12
- -
- -
2026
0.25
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.12
0.12
0.04
- -
0.28
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Brian J. Reed
Full Time Employees
106
Sector
Financial Services
Industry
Banks - Regional
Address
500 Bicentennial Way Santa Rosa CA United States of America 95403
IPO Date
Jul 14, 2006
Business
Summit State Bank (SSBI) operates as a state-chartered commercial bank providing a full range of community banking products and services to individuals, small businesses, nonprofits, and agriculture-related enterprises primarily in Sonoma County, California. The bank offers deposit products including personal and business checking accounts, money market accounts, sweep accounts, savings accounts, demand deposit accounts, time certificates of deposit, and specialized accounts such as professional accounts, small business packaged accounts, tiered-rate accounts, and retirement plan accounts; lending products encompassing commercial loans and leases, lines of credit, commercial real estate loans, Small Business Administration (SBA) loans, residential mortgage loans, construction loans, home equity lines of credit, term loans, equipment loans, and loans to agriculture-related businesses; and ancillary services such as internet and mobile banking, telephone banking, electronic bill payment, cash management, direct payroll and social security deposits, letters of credit, access to national ATM networks, courier services, safe deposit boxes, night depository, notary services, travelers checks, lockbox services, and banking by mail. Founded in 1982 and headquartered at 500 Bicentennial Way in Santa Rosa, California, the bank maintains four depository branches in Santa Rosa (two locations), Rohnert Park, Healdsburg, and Petaluma, supplemented by a loan production office in Roseville. In recent developments, Summit State Bank reported net income of $818,000 for the third quarter of 2025, reflecting higher net interest income and margin expansion amid ongoing problem loan reductions; promoted Candy Yandell to Senior Vice President and Director of Branch Operations and Brandy Lee Seppi to Executive Vice President and Chief Banking Officer to drive loan and deposit growth; declared a quarterly cash dividend; welcomed new board members Dr. Frank Chong and James Finley in March 2024; and appointed Michael Floyd as Executive Vice President and Chief Credit Officer in March 2024, while contributing $608,000 to Sonoma County nonprofits in February 2024.

Company News

APIChat
  • Summit State Bank Earns $1,674,000, or $0.25 Per Diluted Share, in First Quarter 2026

  • Summit State Bank (NASDAQ:SSBI) & First National of Nebraska (OTCMKTS:FINN) Critical Survey

  • Contrasting Hanmi Financial (NASDAQ:HAFC) and Summit State Bank (NASDAQ:SSBI)

  • Summit State Bank (NASDAQ:SSBI) Stock Passes Above Two Hundred Day Moving Average – Here’s What Happened

  • Summit State Bank Earns $1,067,000, or $0.16 Per Diluted Share, in Fourth Quarter 2025

  • Comparing Summit State Bank (NASDAQ:SSBI) and Zions Bancorporation, N.A. (NASDAQ:ZION)

  • Summit State Bank (NASDAQ:SSBI) & Heritage Commerce (NASDAQ:HTBK) Head-To-Head Contrast

  • Summit State Bank (NASDAQ:SSBI) Share Price Passes Above 200 Day Moving Average – Here’s What Happened

  • Summit State Bank (NASDAQ:SSBI) Stock Passes Above Two Hundred Day Moving Average – Should You Sell?

  • Head to Head Review: Bank of Hawaii (NYSE:BOH) versus Summit State Bank (NASDAQ:SSBI)

  • Financial Contrast: Summit State Bank (NASDAQ:SSBI) & Five Star Bancorp (NASDAQ:FSBC)

  • Summit State Bank (NASDAQ:SSBI) vs. RBB Bancorp (NASDAQ:RBB) Financial Analysis

  • Summit State Bank Earns $818,000, or $0.12 Per Diluted Share, in Third Quarter 2025

  • Summit State Bank Earns $2.4 Million, or $0.36 Per Diluted Share, in Second Quarter 2025

  • Summit State Bank Earns $2.5 Million, or $0.37 Per Diluted Share, in First Quarter 2025

  • Summit State Bank Reports Revised Fourth Quarter 2024 Financial Results

  • Summit State Bank Reports Fourth Quarter 2024 Financial Results

  • Summit State Bank Reports Net Income of $626,000 for Third Quarter 2024

  • Summit State Bank Declares Quarterly Cash Dividend

  • Summit State Bank Reports Net Income of $928,000 for Second Quarter 2024