What is the fair value of Summit State Bank (NASDAQ-SSBI) stock?

The current fair value estimate for Summit State Bank (NASDAQ-SSBI) is $11.84. This implies an estimated downside of 4.1% versus the current market price.

Is Summit State Bank (NASDAQ-SSBI) undervalued or overvalued?

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 4.1% versus the current market price.

How is the financial health of Summit State Bank?

The current financial health read for Summit State Bank (NASDAQ-SSBI) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is Summit State Bank's next earnings date?

The next earnings date currently listed for Summit State Bank (NASDAQ-SSBI) is October 29, 2026.

Does Summit State Bank (NASDAQ-SSBI) pay dividends?

The latest available data indicates no current dividend yield for Summit State Bank (NASDAQ-SSBI).

What is the P/E ratio for Summit State Bank (NASDAQ-SSBI)?

The current P/E ratio listed for Summit State Bank (NASDAQ-SSBI) is 38.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of Summit State Bank?

The current market capitalization listed for Summit State Bank is 85.022 M.

What is the ticker symbol for Summit State Bank?

The ticker symbol for Summit State Bank is NASDAQ-SSBI, and the stock is listed on NASDAQ.

Where is Summit State Bank (NASDAQ-SSBI) listed?

Summit State Bank (NASDAQ-SSBI) is listed on NASDAQ.

What is the debt-to-total-capital ratio for Summit State Bank?

The current debt-to-total-capital ratio listed for Summit State Bank is 7.7%, which helps investors evaluate the company’s financing structure and leverage profile.

What is the free float for Summit State Bank?

The free float listed for Summit State Bank is 87.3%. Free float helps investors understand how much of the share base is available for public trading.

Summit State Bank (SSBI) Fair Value & Stock Analysis

Summit State Bank (SSBI)

Summit State Bank is a California-based banking company focused primarily on Sonoma County. Through its common stock listed on NASDAQ under the ticker SSBI, the bank serves individuals and businesses with a range of deposit, lending, and transaction services. Its deposit offerings include personal and business checking, savings, money market, sweep, demand, and specialized accounts, along with time certificates of deposit. On the lending side, the bank provides commercial loans and leases, lines of credit, commercial real estate financing, SBA loans, residential mortgages, construction loans, home equity lines, term and equipment loans, and lending to agriculture-related businesses. Summit State Bank also offers Internet and telephone banking, online and electronic banking tools, cash management, bill payment, courier and mail-based services, safe deposit boxes, notary services, lockbox services, and access to ATM networks. The company was incorporated in 1982 and is headquartered in Santa Rosa, California.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score	Free Cash Flow / Net Income
NASDAQ-SSBI	$11.84	-4.1% Downside	Fair	Not available	Not available	Fair	0.0%	October 29, 2026	38.2x	0.8x	3.2x	85.022 M	7.7%	87.3%	-1.4	788.5%