Summit State Bank (SSBI) Stock Price
Summit State Bank Price
Revenue has compounded at 5.7% per year over the past 19 years to 35.34 M USD. Earnings per share have grown at 4.2% per year over the last 19 years. Summit State Bank's net margin stands at 19.2%, down from 34.9% several years earlier. Summit State Bank currently offers a dividend yield of about 2.21%. The dividend has grown at 4.3% per year over the past 18 years. The stock trades about 20% above its 52-week low.
Summit State Bank stock price
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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.
| Date | Summit State Bank Price |
|---|---|
| 9/2/2026 | 12.65 USD |
| 9/1/2026 | 12.86 USD |
| 8/31/2026 | 12.86 USD |
| 8/30/2026 | 12.81 USD |
| 8/28/2026 | 12.87 USD |
| 8/27/2026 | 12.81 USD |
| 8/26/2026 | 12.87 USD |
| 8/25/2026 | 12.90 USD |
| 8/24/2026 | 12.80 USD |
| 8/21/2026 | 12.79 USD |
| 8/20/2026 | 12.79 USD |
| 8/19/2026 | 12.79 USD |
| 8/18/2026 | 13.00 USD |
| 8/17/2026 | 12.92 USD |
| 8/14/2026 | 12.92 USD |
| 8/13/2026 | 12.91 USD |
| 8/12/2026 | 12.91 USD |
| 8/11/2026 | 13.02 USD |
| 8/10/2026 | 13.02 USD |
| 8/7/2026 | 13.42 USD |
| 8/6/2026 | 13.32 USD |
| 8/5/2026 | 13.43 USD |
| 8/4/2026 | 12.77 USD |
| 8/3/2026 | 12.87 USD |
| 7/31/2026 | 12.39 USD |
| 7/30/2026 | 12.50 USD |
| 7/29/2026 | 13.12 USD |
| 7/28/2026 | 13.17 USD |
| 7/27/2026 | 13.25 USD |
| 7/23/2026 | 13.28 USD |
Summit State Bank Revenue, Pre-Provision Profit, Net Income
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Summit State Bank Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM USD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM USD |
| Net Interest IncomeM USD |
| Non-Interest IncomeM USD |
| Loan Loss ProvisionsM USD |
| Pre-Provision Profit (PPOP)M USD |
| NET INCOMEM USD |
| NET INCOME GROWTH% |
| DIVIDENDDIV.USD |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESM |
| 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 20.00 | 20.00 | 20.00 | 19.00 | 19.00 | 21.00 | 21.00 | 22.00 | 27.00 | 32.00 | 40.00 | 46.00 | 56.00 | 65.00 | 62.00 | 58.00 |
| -4.76 | – | – | -5.00 | – | 10.53 | – | 4.76 | 22.73 | 18.52 | 25.00 | 15.00 | 21.74 | 16.07 | -4.62 | -6.45 |
| 60.00 | 70.00 | 75.00 | 94.74 | 105.26 | 100.00 | 95.24 | 86.36 | 85.19 | 75.00 | 80.00 | 86.96 | 83.93 | 61.54 | 38.71 | 55.17 |
| 12.00 | 14.00 | 15.00 | 18.00 | 20.00 | 21.00 | 20.00 | 19.00 | 23.00 | 24.00 | 32.00 | 40.00 | 47.00 | 40.00 | 24.00 | 32.00 |
| 15.33 | 15.75 | 16.25 | 16.57 | 16.92 | 17.64 | 18.32 | 18.34 | 21.36 | 22.75 | 30.03 | 37.36 | 42.13 | 38.49 | 28.96 | 34.43 |
| 1.27 | 1.93 | 3.50 | 1.67 | 2.00 | 2.65 | 2.38 | 1.95 | 2.58 | 2.69 | 4.38 | 4.70 | 7.50 | 6.06 | 3.78 | 0.91 |
| 3.86 | 3.65 | 3.36 | 0.05 | -1.40 | -0.80 | – | 0.52 | 0.53 | 0.70 | 2.10 | 1.29 | 2.54 | 0.33 | 7.92 | 2.53 |
| 7.05 | 7.45 | 9.23 | 7.41 | 7.94 | 9.46 | 8.45 | 6.44 | 8.57 | 9.38 | 16.74 | 21.73 | 26.12 | 19.50 | 3.34 | 11.49 |
| 1.00 | 2.00 | 3.00 | 4.00 | 5.00 | 6.00 | 4.00 | 3.00 | 5.00 | 6.00 | 10.00 | 14.00 | 16.00 | 10.00 | -4.00 | 6.00 |
| -50.00 | 100.00 | 50.00 | 33.33 | 25.00 | 20.00 | -33.33 | -25.00 | 66.67 | 20.00 | 66.67 | 40.00 | 14.29 | -37.50 | -140.00 | -250.00 |
| 0.26 | 0.26 | 0.26 | 0.31 | 0.32 | 0.35 | 0.35 | 0.41 | 0.44 | 0.44 | 0.44 | 0.57 | 0.48 | 0.48 | 0.37 | – |
| – | – | – | 19.23 | 3.23 | 9.37 | – | 17.14 | 7.32 | – | – | 29.55 | -15.79 | – | -22.92 | – |
| 5.93 | 5.93 | 5.93 | 5.97 | 5.98 | 5.98 | 6.02 | 6.04 | 6.07 | 6.07 | 6.07 | 6.68 | 6.69 | 6.70 | 6.72 | 6.73 |
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
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Summit State Bank Revenue per Share, Earnings per Share
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Summit State Bank business model & stock analysis
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
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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
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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
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Summit State Bank stock splits
Summit State Bank Dividend History
19 years of dividend payments
Summit State Bank dividend payout ratio
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Summit State Bank Analyst Rating Actions
| Date | Firm | Action | Rating | Reliability |
|---|---|---|---|---|
| 5/6/2013 | Downgrade | BuyNeutral | 71 | |
| 11/6/2012 | Upgrade | NeutralLong Term Buy | 71 |
Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.
Summit State Bank Earnings Estimates & Surprises
| Date | EPS estimate | EPS Actual | Revenue Estimate | Price reaction | Quarterly report |
|---|---|---|---|---|---|
| 1/27/2014 | 0.16USD | - | -USD | - | 2013 Q4 |
| 10/31/2013 | 0.14USD | - | -USD | - | 2013 Q3 |
| 7/29/2013 | 0.13USD | - | -USD | - | 2013 Q2 |
| 4/29/2013 | 0.13USD | - | -USD | - | 2013 Q1 |
| 1/28/2013 | 0.11USD | - | -USD | - | 2012 Q4 |
| 10/29/2012 | 0.09USD | - | 4.48 MUSD | - | 2012 Q3 |
| 7/30/2012 | 0.07USD | - | 4.35 MUSD | - | 2012 Q2 |
| 5/1/2012 | 0.06USD | - | 4.09 MUSD | - | 2012 Q1 |
| 1/26/2012 | 0.10USD | - | 4.53 MUSD | - | 2011 Q4 |
| 10/27/2011 | 0.09USD | - | 4.53 MUSD | - | 2011 Q3 |
Summit State Bank shareholder structure
| % | Name |
|---|---|
5.27197% | |
5.16160% | |
4.97781% | |
4.96522% | |
3.82271% | |
2.87579% |
Summit State Bank Beneficial Ownership Filings (SEC 13D/G)
Summit State Bank Executives and Management Board
17 members · avg. age 64 · 35 % women
Mr. Brian Reed (63)
President, Chief Executive Officer, Director · since 2016
646,716.00 USD
Management
Ms. Brandy Seppi (47)
Executive Vice President, Chief Lending Officer
Ms. Genie Del Secco (53)
Chief Operating Officer, Executive Vice President
Ms. Camille Kazarian (43)
Chief Financial Officer, Executive Vice President
Mr. Michael Castlio (55)
Executive Vice President, Chief Credit Officer
Board of Directors
Mr. James Brush (69)
Chairman of the Board · since 2009
Mr. Josh Cox (80)
Independent Director · since 2006
Mr. Nicholas Rado (71)
Independent Director
Mr. John Wright (72)
Independent Director
Mr. Jeffrey Allen (63)
Independent Director
Mr. Richard Pope (76)
Independent Director
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.
Summit State Bank is primarily active in the banking industry.
Some of the main competitors of Summit State Bank in the market include Bank of Marin, Exchange Bank, and Bank of the West.
Summit State Bank, founded in 1982, is a prominent community bank based in Sonoma County, California. With a steadfast commitment to serving local businesses and individuals, Summit State Bank has built a strong reputation for its personalized banking services. The bank offers a comprehensive range of financial solutions, including deposit products, loans, cash management services, and online banking. With its local expertise and deep-rooted presence in the community, Summit State Bank has been a reliable partner in supporting the economic growth and development of Sonoma County. For over three decades, Summit State Bank has remained dedicated to its mission of providing exceptional banking services with a focus on long-term relationships and exceptional customer service.
Summit State Bank has achieved significant milestones throughout its history. These include being founded in 1982 and operating as a community bank for over three decades. The bank has developed a strong reputation for providing excellent customer service and tailored financial solutions to its clients. Summit State Bank has also expanded its operations and opened multiple branch locations to better serve its customers. Additionally, the bank has consistently upheld its commitment to community involvement and supporting local nonprofits. Through its dedication to excellence and community support, Summit State Bank has become a trusted and respected financial institution.
Summit State Bank primarily operates in Sonoma County, California, USA. With its headquarters located in Santa Rosa, the bank serves and caters to the financial needs of individuals, businesses, and nonprofit organizations within the region. As a local community bank, Summit State Bank focuses on building strong relationships and providing tailored banking solutions to its customers in Sonoma County. With its deep commitment to serving the local community, Summit State Bank has established itself as a trusted and reliable financial institution in the region.
Summit State Bank is committed to upholding strong values and a solid corporate philosophy. As a client-focused institution, the bank prioritizes integrity, trust, and exceptional service. Summit State Bank believes in building long-term relationships with its customers, ensuring their financial success is at the forefront. With an emphasis on community support, the bank takes pride in fostering local economic development and investing in the communities it serves. Summit State Bank is dedicated to providing personalized solutions, innovative technology, and expertise to help individuals, businesses, and the community thrive. As a result, Summit State Bank has established itself as a trusted financial partner, committed to its core values and corporate philosophy.
Converted at the current exchange rate, the Summit State Bank share trades at 10.89 EUR (12.65 USD).
The Summit State Bank share (SSBI) is listed on 1 stock exchanges, including: NASDAQ (SSBI).
Summit State Bank was founded in 1982 and is an independent, community-based bank headquartered in Santa Rosa, California. The bank currently operates five branches in Sonoma County. As a regional bank, Summit State Bank provides services to individuals and businesses. Summit State Bank offers a wide range of products and services for personal, commercial, and community organizations. The key products and services include: For personal customers: - Checking accounts - Savings accounts - CD accounts - Mortgages - Personal loans - Credit cards - Online banking - Mobile banking - Financial advice For commercial customers: - Checking accounts - Savings accounts - CD accounts - Small business loans - Commercial mortgages - Business credit cards - Online banking for businesses - Investment services for businesses For community organizations: - Non-profit accounts - Loans for organizations - Lines of credit for organizations - School administration accounts - Government department accounts - Investment services for community organizations Summit State Bank also offers specialized services for investors, including investments in stocks, bonds, mutual funds, and money market funds. The bank also provides financial advisory services for personal customers, commercial customers, and nonprofit organizations. The bank relies on personal contact, relationships, and customer service to meet the needs of its customers. The relationship with customers is maintained by a team of experienced bank employees who focus on personalized and effective advisory services. In terms of SEO optimization, Summit State Bank is active on social media platforms including Facebook, Twitter, and LinkedIn to enhance brand awareness and strengthen relationships with customers and communities. The bank has a website where customers can monitor their accounts, make transfers, and utilize online banking for access to financial advisory services. Overall, Summit State Bank's business model is focused on providing services and products that meet the financial needs of individuals, businesses, and organizations in the community. The bank has emphasized excellent customer care, relationships, and financial services to create a comprehensive offering for customers and communities.
The revenue cannot currently be calculated for Summit State Bank.
The profit cannot currently be calculated for Summit State Bank.
The P/E ratio cannot be calculated for Summit State Bank at the moment.
The P/S cannot be calculated for Summit State Bank currently.
The Eulerpool Quality Score for Summit State Bank is 2/10.
The ISIN of Summit State Bank is US8662642037. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Summit State Bank is A0KD1W. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Summit State Bank is SSBI. The ticker symbol is used to trade Summit State Bank shares on the stock exchange.
Over the past 12 months, Summit State Bank paid a dividend of 0.28 USD . This corresponds to a dividend yield of about 2.21 %. For the coming 12 months, Summit State Bank is expected to pay a dividend of 0.28 USD.
The current dividend yield of Summit State Bank is 2.21 %.
Summit State Bank pays a dividend, distributed in the months of , , , .
Summit State Bank paid dividends every year for the past 0 years.
For the upcoming 12 months, dividends amounting to 0.28 USD are expected. This corresponds to a dividend yield of 2.21 %.
Summit State Bank is assigned to the 'Finance' sector.
To receive the latest dividend of Summit State Bank from amounting to 0.04 USD, you needed to have the stock in your portfolio before the ex-date on .
The last dividend was paid out on .
In the year 2025, Summit State Bank distributed 0.48 USD as dividends.
The dividends of Summit State Bank are distributed in USD.
Summit State Bank stock
Summit State Bank Peer Group
Summit State Bank Ticker
Summit State Bank FIGI
All fundamentals and in-depth analysis of Summit State Bank
Our stock analysis for Summit State Bank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Summit State Bank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.