Summit State Bank (SSBI) Stock Price

Summit State Bank Price

NASDAQ·CLOSED
13.32USD-0.26 (-1.92 %)
Market closed

Revenue has compounded at 5.4% per year over the past 19 years to 58.82 M USD. Earnings per share have grown at 3.8% per year over the last 19 years. Summit State Bank's net margin stands at 11.6%, down from 31.4% several years earlier. Summit State Bank currently offers a dividend yield of about 2.10%. The dividend has grown at 2.5% per year over the past 18 years. The stock trades about 27% above its 52-week low.

Summit State Bank stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Summit State Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Summit State Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Summit State Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Summit State Bank Stock Price History
DateSummit State Bank Price
7/14/202613.32 USD
7/13/202613.58 USD
7/10/202613.44 USD
7/9/202613.29 USD
7/8/202613.29 USD
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7/1/202613.55 USD
6/30/202613.56 USD
6/29/202613.97 USD
6/26/202614.00 USD
6/25/202613.61 USD
6/24/202613.85 USD
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6/22/202613.58 USD
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6/12/202613.45 USD
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6/3/202613.55 USD
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5/29/202613.57 USD
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2/13/202613.89 USD
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1/30/202613.68 USD
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1/27/202613.78 USD
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1/16/202612.98 USD
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9/21/202511.98 USD
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9/7/202511.76 USD
9/4/202511.81 USD
9/3/202511.79 USD
9/2/202511.88 USD
9/1/202511.84 USD
8/28/202511.88 USD
8/27/202511.52 USD
8/26/202511.85 USD
8/25/202512.05 USD
8/24/202511.98 USD
8/21/202511.43 USD
8/20/202511.66 USD
8/19/202511.75 USD
8/18/202511.80 USD
8/17/202511.84 USD
8/14/202511.70 USD
8/13/202512.00 USD
8/12/202511.75 USD
8/11/202511.87 USD
8/10/202512.04 USD
8/7/202512.05 USD
8/6/202512.06 USD
8/5/202512.08 USD
8/4/202512.06 USD
8/3/202511.90 USD
7/31/202512.10 USD
7/30/202512.24 USD
7/29/202512.44 USD
7/28/202512.00 USD
7/27/202511.80 USD
7/24/202511.68 USD
7/23/202511.60 USD
7/22/202511.78 USD
7/21/202511.75 USD
7/20/202511.69 USD
7/17/202511.48 USD
7/16/202511.48 USD
Access this data via the Eulerpool API

Summit State Bank Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2018
27.88 M USD
5.83 M USD
Jan 1, 2019
32.66 M USD
6.48 M USD
Jan 1, 2020
40.88 M USD
10.52 M USD
Jan 1, 2021
46.87 M USD
14.70 M USD
Jan 1, 2022
56.45 M USD
16.97 M USD
Jan 1, 2023
65.44 M USD
10.82 M USD
Jan 1, 2024
62.22 M USD
-4.19 M USD
Jan 1, 2025
58.82 M USD
6.80 M USD

Summit State Bank Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 16, 2026, 6:06 AM
 
REVENUEM USD
REVENUE GROWTH%
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
2010201120122013201420152016201720182019202020212022202320242025
20.0020.0021.0019.0019.0021.0021.0022.0027.0032.0040.0046.0056.0065.0062.0058.00
-4.765.00-9.5210.534.7622.7318.5225.0015.0021.7416.07-4.62-6.45
1.001.002.004.005.005.004.003.005.006.0010.0014.0016.0010.00-4.006.00
100.00100.0025.00-20.00-25.0066.6720.0066.6740.0014.29-37.50-140.00-250.00
0.360.360.360.420.440.480.480.480.480.480.480.600.480.480.37
16.674.769.0925.00-20.00-22.92
6.576.526.536.596.646.656.646.666.686.686.686.686.696.706.716.72
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Summit State Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Summit State Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Summit State Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Summit State Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Summit State Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Summit State Bank stock margins

The Summit State Bank margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Summit State Bank. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Summit State Bank.
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Profit margin
Details
Date
Profit margin
Jan 1, 2018
20.90 %
Jan 1, 2019
19.84 %
Jan 1, 2020
25.73 %
Jan 1, 2021
31.36 %
Jan 1, 2022
30.06 %
Jan 1, 2023
16.54 %
Jan 1, 2024
-6.74 %
Jan 1, 2025
11.55 %

Summit State Bank Stock Revenue, EBIT, Earnings per Share

The Summit State Bank earnings per share therefore indicates how much revenue Summit State Bank has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2018
4.17 USD
0.87 USD
Jan 1, 2019
4.89 USD
0.97 USD
Jan 1, 2020
6.12 USD
1.57 USD
Jan 1, 2021
7.02 USD
2.20 USD
Jan 1, 2022
8.44 USD
2.54 USD
Jan 1, 2023
9.77 USD
1.62 USD
Jan 1, 2024
9.27 USD
-0.62 USD
Jan 1, 2025
8.75 USD
1.01 USD

Summit State Bank business model & stock analysis

Summit State Bank is an independent, community bank based in Santa Rosa, California. It was founded in 1984 and has been listed on the Nasdaq stock exchange since its initial public offering in 2010. The bank has multiple branches to provide a wider range of services to its customers. Summit State Bank primarily serves small and medium-sized businesses as well as individual customers. As a full-service bank, it offers a wide range of products and services tailored to the needs of its customers. The bank's business model includes personalized customer service tailored to their needs. It sees itself as a partner to its business customers and offers individual solutions for financing projects, such as commercial real estate financing, working capital loans, and cash management services. Summit State Bank works closely with local brokers and intermediaries in these areas to provide the best possible advice to its customers. The bank also has a strong presence in residential real estate financing. Summit State Bank offers various financing options for individual customers, such as mortgages and HELOC loans for refinancing or renovating homes. Summit State Bank is also well-established in the field of online services. Customers can manage their accounts and perform various financial transactions through the bank's website. Additionally, the bank's mobile banking service allows for convenient banking on-the-go. Overall, Summit State Bank is a trusted and reliable bank that prioritizes personalized customer service. It offers a wide range of products and services tailored to individual customer needs. Through its strong presence in the region and collaboration with local partners, it provides customers with personalized and tailored advice.

Summit State Bank SWOT Analysis

Strengths

Summit State Bank has a strong financial position and a solid balance sheet, allowing it to withstand market fluctuations and economic downturns.

The bank has a loyal customer base and a reputation for providing excellent customer service, which helps in retaining existing customers and attracting new ones.

With its local focus, Summit State Bank has deep knowledge of the community it serves, enabling it to better understand the needs of its customers and tailor its products and services accordingly.

Weaknesses

Summit State Bank operates in a highly competitive market with well-established national and regional banks, making it challenging to gain market share.

Being a smaller bank, Summit State Bank may have limited resources compared to larger competitors, which could restrict its ability to invest in technological advancements or expand its footprint.

The bank's geographic concentration leaves it vulnerable to local economic conditions or regulatory changes specific to its operating area.

Opportunities

Summit State Bank can seize opportunities in the market by leveraging its community focus and personalized service to target niche markets or specific customer segments that are underserved by larger banks.

Expanding its digital banking capabilities can help the bank attract tech-savvy customers and compete with larger banks in terms of convenience and accessibility.

The growing demand for sustainable and socially responsible banking presents an opportunity for Summit State Bank to differentiate itself by promoting its commitment to responsible banking practices and supporting local businesses and community initiatives.

Threats

The banking industry is subject to extensive regulation, and any changes in regulations or compliance requirements can pose challenges for Summit State Bank in terms of adapting and implementing necessary changes.

The rise of fintech companies and online lenders poses a threat to traditional banking institutions, including Summit State Bank, as customers increasingly seek alternative banking options.

Economic downturns or financial crises can negatively impact the bank's loan portfolio, impairing its asset quality and profitability.

Summit State Bank Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Summit State Bank historical P/E ratio, EBIT multiple, and P/S ratio

Summit State Bank annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Summit State Bank shares outstanding

The number of shares of Summit State Bank was 6.72 M in 2025. This indicates how many shares Summit State Bank is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details
Date
Number of stocks
Jan 1, 2018
6.68 M Stocks
Jan 1, 2019
6.68 M Stocks
Jan 1, 2020
6.68 M Stocks
Jan 1, 2021
6.68 M Stocks
Jan 1, 2022
6.69 M Stocks
Jan 1, 2023
6.70 M Stocks
Jan 1, 2024
6.71 M Stocks
Jan 1, 2025
6.72 M Stocks

Summit State Bank stock splits

In Summit State Bank's history, there have been no stock splits.

Summit State Bank Dividend History

19 years of dividend payments

YearAnnual DividendYoY ChangePayments
20240.28USD 41.7%
20230.48USD 0.0%
20220.48USD 20.0%
20210.60USD 25.0%
20200.48USD 0.0%
20190.48USD 0.0%
20180.48USD 0.0%
20170.48USD 0.0%
20160.48USD 0.0%
20150.48USD 9.1%

Summit State Bank dividend payout ratio

In 2025, Summit State Bank had a payout ratio of 24.80%. The payout ratio indicates the percentage of the company's profits that Summit State Bank distributes as dividends.
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Payout ratio
Details
Date
Payout ratio
Jan 1, 2018
50.02 %
Jan 1, 2019
44.99 %
Jan 1, 2020
27.80 %
Jan 1, 2021
25.79 %
Jan 1, 2022
18.92 %
Jan 1, 2023
29.71 %
Jan 1, 2024
-44.84 %
Jan 1, 2025
24.80 %
Price targets and forecasts for Summit State Bank are not yet available.

Summit State Bank Earnings Estimates

DateEPS estimateRevenue EstimateQuarterly report
1/27/20140.16USD-USD2013 Q4
10/31/20130.14USD-USD2013 Q3
7/29/20130.13USD-USD2013 Q2
4/29/20130.13USD-USD2013 Q1
1/28/20130.11USD-USD2012 Q4
10/29/20120.09USD4.48 MUSD2012 Q3
7/30/20120.07USD4.35 MUSD2012 Q2
5/1/20120.06USD4.09 MUSD2012 Q1
1/26/20120.10USD4.53 MUSD2011 Q4
10/27/20110.09USD4.53 MUSD2011 Q3

Summit State Bank shareholder structure

% Name
11.12402%
Reynolds (Marshall T)
Reynolds (Marshall T)
5.27197%
M3F, Inc.
M3F, Inc.
5.16160%
Caldwell Sutter Capital, Inc
Caldwell Sutter Capital, Inc
4.97781%
AllianceBernstein L.P.
AllianceBernstein L.P.
4.96522%
Reynolds (Douglas Vernon)
Reynolds (Douglas Vernon)
4.65978%
Codding (Constance L)
Codding (Constance L)

Summit State Bank Executives and Management Board

BR

Mr. Brian Reed

(63)

President, Chief Executive Officer, Director · since 2016

Compensation646,716.00 USD
BS

Ms. Brandy Seppi

(47)

Executive Vice President, Chief Lending Officer

Compensation425,613.00 USD
GS

Ms. Genie Del Secco

(53)

Chief Operating Officer, Executive Vice President

Compensation419,826.00 USD
JB

Mr. James Brush

(69)

Chairman of the Board · since 2009

Compensation65,550.00 USD
JC

Mr. Josh Cox

(80)

Independent Director · since 2006

Compensation58,300.00 USD

Frequently asked questions about Summit State Bank

The business model of Summit State Bank revolves around providing financial products and services primarily to businesses and individuals in Sonoma County, California. As a community bank, Summit State Bank focuses on relationship banking to understand and meet the unique needs of its customers. They offer a wide range of banking services, including traditional loans, deposit accounts, cash management solutions, and online banking. Summit State Bank is committed to fostering long-term partnerships and delivering exceptional customer service, while prudently managing risks and promoting the economic growth of the communities it serves.