Summit State Bank

Summit State Bank

NNASDAQ:SSBI
12.16
USD
+0.17
(+1.38%)
0.89EPS
15.07P/E
90.54MMarket Cap

Total Valuation

USD

As of March 31, 2026, Summit State Bank carries a market capitalization of 90.54M, placing it among publicly traded companies globally. Its enterprise value stands at -29.56M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap90.54M
Enterprise Value-29.56M

Share Statistics

As of March 31, 2026, Summit State Bank has 6.77M shares outstanding.

Shares Outstanding6.77M

Valuation Ratios

As of March 31, 2026, Summit State Bank trades at a trailing price-to-earnings ratio of 15.07. The price-to-sales ratio is 2.48, and the price-to-book ratio stands at 0.88.

PE Ratio15.07
PS Ratio2.48
PB Ratio0.88
P/TBV Ratio0.88
P/FCF Ratio6.66
P/OCF Ratio6.64

Financial Position

These figures are as of March 31, 2026.

Debt / Equity5.80

Financial Efficiency

USD

Over the twelve months ended March 31, 2026, Summit State Bank posted a return on equity (ROE) of 6.04, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 0.58, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 5.69, useful for judging operating efficiency across full business cycles. The company generates approximately 347,473.68 in revenue per employee across its workforce of 104.50, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)6.04
Return on Assets (ROA)0.58
Return on Capital Employed (ROCE)5.69
Revenue Per Employee347,473.68
Employee Count104.50

Taxes

USD

Over the twelve months ended March 31, 2026, Summit State Bank recorded 2.16M in income tax expense. That works out to an effective tax rate of 26.56, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 8.14M, leaving 5.98M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax2.16M
Effective Tax Rate26.56

Stock Price Statistics

USD

As of the close on October 22, 2026, Summit State Bank's stock has gained approximately 2.92% over the past 52 weeks. The 50-day moving average sits at 12.60, while the 200-day moving average is 12.99.

52-Week Price Change2.92%
50-Day Moving Average12.60
200-Day Moving Average12.99

Income Statement

USD

Over the twelve months ended March 31, 2026, Summit State Bank generated 36.31M in revenue and converted that into 5.98M in net income, yielding earnings per share of 0.89.

Revenue36.31M
Pretax Income8.14M
Net Income5.98M
Earnings Per Share (EPS)0.89

Balance Sheet

USD

As of March 31, 2026, Summit State Bank holds 126.05M in cash and equivalents against 5.95M in total debt, resulting in a net debt position of -109.50M.

Cash & Cash Equivalents126.05M
Total Debt5.95M
Net Debt-109.50M
Equity (Book Value)102.66M
Book Value Per Share15.16

Cash Flow

USD

Summit State Bank produced 13.55M in operating cash flow over the twelve months ended March 31, 2026. After subtracting -44,000.00 in capital expenditures, free cash flow totaled 13.51M - equivalent to 2.01 per share.

Operating Cash Flow13.55M
Capital Expenditures-44,000.00
Free Cash Flow13.51M
FCF Per Share2.01

Margins

These figures cover the twelve months ended March 31, 2026.

Pretax Margin22.41
Profit Margin16.46

Dividends & Yields

Over the twelve months ended March 31, 2026, Summit State Bank paid dividends of - - per share. The dividend payout ratio of - - indicates the proportion of earnings distributed to shareholders, a key gauge of how sustainable the dividend is and how much room remains for future dividend growth. Free cash flow yield stands at 15.01, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield reaches 85.94, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to Summit State Bank shareholders.

Shareholder Yield85.94
FCF Yield15.01

Stock Splits

Summit State Bank's most recent stock split took place on October 28, 2021 with a 10:11 split ratio.

Last Split Date10/28/2021
Split Ratio10:11