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.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

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 Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-SSBI
$12.81
-5.8% Downside
Fair
Fair
0.0%
July 28, 2026
15.4x
0.9x
2.8x
91.957 M
7.4%
87.4%
-1.3
226.1%
Valuation • Fair Value

Summit State Bank (NASDAQ-SSBI) Fair Value by Valuation Model

Compare the primary fair value estimate for Summit State Bank (NASDAQ-SSBI) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$12.81

Estimated downside of 5.8% versus the current market price.

Fair Value Confidence

Not available

Data is currently unavailable.

DCF Fair Value

Not available

Data is currently unavailable.

Ben Graham Formula Value

$9.79

Classic Ben Graham valuation formula reference.

DDM Fair Value

Not available

Data is currently unavailable.

EPV Fair Value

Not available

Data is currently unavailable.

Comps Fair Value

Not available

Data is currently unavailable.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Summit State Bank (NASDAQ-SSBI) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Summit State Bank (NASDAQ-SSBI)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

32.467 M

Current operating scale indicator.

Revenue Forecast

39.37 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Summit State Bank (NASDAQ-SSBI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Summit State Bank (NASDAQ-SSBI)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.3

Lower score that deserves closer risk review.

FCF / Net Income

226.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Summit State Bank (NASDAQ-SSBI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Summit State Bank (NASDAQ-SSBI)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 28, 2026

Days to Earnings

7

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

0.0%

Income yield reference.

Upcoming Dividend

Not available

Data is currently unavailable.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

Not available

Data is currently unavailable.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for Summit State Bank (NASDAQ-SSBI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Summit State Bank (NASDAQ-SSBI) Stock Forecast & Technical Outlook

Review Summit State Bank (NASDAQ-SSBI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Summit State Bank (NASDAQ-SSBI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Summit State Bank (NASDAQ-SSBI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Summit State Bank (NASDAQ-SSBI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Neutral

The weekly technical read for Summit State Bank (NASDAQ-SSBI) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Summit State Bank (NASDAQ-SSBI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Summit State Bank (NASDAQ-SSBI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Summit State Bank (NASDAQ-SSBI) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ Fast Investor Answers

Summit State Bank (NASDAQ-SSBI) Stock FAQ

Quick answers about Summit State Bank (NASDAQ-SSBI) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$12.81
Estimated downside 5.8%
Valuation Rating
Overvalued
Estimated downside of 5.8%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Fair
Current financial-health read

The current fair value estimate for Summit State Bank (NASDAQ-SSBI) is $12.81. This implies an estimated downside of 5.8% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 5.8% versus the current market price.

An analyst price target for Summit State Bank (NASDAQ-SSBI) is not currently available in the latest data file.

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.

The next earnings date currently listed for Summit State Bank (NASDAQ-SSBI) is July 28, 2026.

Based on the current data, dividend yield is 0.0%.

The current P/E ratio listed for Summit State Bank (NASDAQ-SSBI) is 15.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Summit State Bank is 91.957 M.

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

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

The current debt-to-total-capital ratio listed for Summit State Bank is 7.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Summit State Bank is 87.4%. Free float helps investors understand how much of the share base is available for public trading.