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Summit State Bank (SSBI)

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Upturn Advisory Summary
12/12/2025: SSBI (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit -7.97% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating ![]() | Upturn Advisory Performance | Stock Returns Performance |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 67.77M USD | Price to earnings Ratio - | 1Y Target Price 7.2 |
Price to earnings Ratio - | 1Y Target Price 7.2 | ||
Volume (30-day avg) - | Beta 0.14 | 52 Weeks Range 5.68 - 10.87 | Updated Date 06/29/2025 |
52 Weeks Range 5.68 - 10.87 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.23% | Basic EPS (TTM) -0.46 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -11.93% | Operating Margin (TTM) 33.14% |
Management Effectiveness
Return on Assets (TTM) -0.29% | Return on Equity (TTM) -3.2% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 2473630 | Price to Sales(TTM) 2.61 |
Enterprise Value 2473630 | Price to Sales(TTM) 2.61 | ||
Enterprise Value to Revenue 2.23 | Enterprise Value to EBITDA - | Shares Outstanding 6776560 | Shares Floating 4602845 |
Shares Outstanding 6776560 | Shares Floating 4602845 | ||
Percent Insiders 26.94 | Percent Institutions 27.72 |
About Summit State Bank
Exchange NASDAQ | Headquaters Santa Rosa, CA, United States | ||
IPO Launch date 2006-07-14 | President, CEO & Director Mr. Brian J. Reed | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 106 | Website https://summitstatebank.com |
Full time employees 106 | Website https://summitstatebank.com | ||
Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and term and equipment loans, as well as loans to agriculture-related businesses. In addition, the company offers Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it provides electronic banking, cash management, and electronic bill payment services. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.

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