SSBI

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Summit State Bank

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Key Metrics

Previous Close: $0.00
52-Week Range: $10.35 – $14.00
Market Cap: $86.55M
P/E (TTM): 38.76
EPS (TTM): 0.33
Dividend Yield: —

Advanced Metrics

Price/Book: 0.85
PEG Ratio: —
Return on Equity: 2.26%
Return on Assets: 0.23%
Gross Margin: 0.00%
Operating Margin: -44.57%
Profit Margin: 8.25%
Current Ratio: —
Debt/Equity: —
Total Debt: $7.32M
Free Cash Flow: —
Revenue Growth: -54.30%
Earnings Growth: —
Enterprise Value: $-18.68M

SSBI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$49.63M	$40.28M	$32.74M	$34.99M
Selling, General & Admin	$17.73M	$18.27M	$18.37M	$17.60M
Pretax Income	$23.87M	$15.28M	-$4.39M	$8.96M
Income Tax	$6.90M	$4.46M	-$195.00K	$2.17M
Net Income	$16.97M	$10.82M	-$4.19M	$6.80M
Diluted EPS	2.54	1.62	-0.62	1.01
Diluted Shares	6.69M	6.70M	6.71M	6.73M

SSBI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$77.57M	$57.79M	$51.40M	$65.52M
Receivables	$25.97M	—	—	—
Total Assets	$1.12B	$1.12B	$1.07B	$1.00B
Long-Term Debt	$46.91M	$5.92M	$5.93M	$5.95M
Total Debt	$46.91M	$5.92M	$5.93M	$5.95M
Total Liabilities	$1.03B	$1.02B	$975.37M	$903.41M
Retained Earnings	$61.39M	$68.96M	$62.87M	$69.67M
Shareholders' Equity	$88.55M	$97.68M	$91.72M	$101.17M

SSBI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$13.72M	-$2.38M	$5.85M	$6.59M
Capital Expenditure	-$175.00K	-$240.00K	-$231.00K	-$47.00K
Free Cash Flow	$13.54M	-$2.62M	$5.62M	$6.55M
Depreciation & Amortisation	$391.00K	$385.00K	$392.00K	$380.00K
Stock-Based Compensation	$614.00K	$16.00K	-$409.00K	$744.00K
Investing Cash Flow	-$117.18M	-$20.18M	$36.79M	$78.98M
Financing Cash Flow	$140.33M	$2.79M	-$49.03M	-$71.45M
Dividends Paid	-$3.23M	-$3.25M	-$1.90M	$0.00
Net Change in Cash	$36.87M	-$19.78M	-$6.39M	$14.12M

SSBI Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$8.74M	$9.49M	$9.57M	$7.19M	$10.06M
Selling, General & Admin	$4.68M	$4.88M	$3.93M	$5.06M	$5.04M
Pretax Income	$3.10M	$3.24M	$1.27M	$1.35M	$2.27M
Income Tax	$605.00K	$825.00K	$453.00K	$284.00K	$599.00K
Net Income	$2.49M	$2.42M	$818.00K	$1.07M	$1.67M
Diluted EPS	0.37	0.36	0.12	—	0.25
Diluted Shares	6.72M	6.73M	6.73M	—	6.73M

SSBI Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$72.41M	$66.41M	$57.95M	$65.52M	$115.46M
Total Assets	$1.06B	$1.03B	$1.01B	$1.00B	$995.92M
Long-Term Debt	$5.94M	$5.94M	$11.45M	$5.95M	$5.95M
Total Debt	$5.94M	$5.94M	$11.45M	$5.95M	$5.95M
Total Liabilities	$968.02M	$934.36M	$906.79M	$903.41M	$893.26M
Retained Earnings	$65.36M	$67.78M	$68.60M	$69.67M	$71.34M
Shareholders' Equity	$95.34M	$98.11M	$99.73M	$101.17M	$102.66M

SSBI Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	-$3.19M	-$56.00K	$7.19M	$2.65M	$3.77M
Capital Expenditure	-$3.00K	-$10.00K	-$14.00K	-$20.00K	—
Free Cash Flow	-$3.19M	-$66.00K	$7.18M	$2.63M	$3.77M
Depreciation & Amortisation	$101.00K	$93.00K	$95.00K	$91.00K	$88.00K
Stock-Based Compensation	$260.00K	$286.00K	$221.00K	-$23.00K	$376.00K
Investing Cash Flow	$29.69M	$28.52M	$12.67M	$8.09M	$58.01M
Financing Cash Flow	-$5.50M	-$34.47M	-$28.32M	-$3.17M	-$11.85M
Dividends Paid	$0.00	$0.00	$0.00	$0.00	—
Net Change in Cash	$21.00M	-$6.00M	-$8.46M	$7.57M	$49.93M

Market Snapshot

About

Summit State Bank is a community bank serving the San Francisco Bay Area with a focus on business and professional banking. The company provides commercial lending, cash management, remote deposit capture, and related banking services to small and medium-sized businesses. It emphasizes personalized service and local decision-making to meet the needs of its business-focused customer base.