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Upturn AI SWOT - About
SSBI 
Summit State Bank (SSBI)
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Upturn Advisory Summary
08/14/2025: SSBI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 1.78% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
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 |
Upturn AI SWOT
Summit State Bank
Company Overview
History and Background
Summit State Bank was founded in 1982 in Santa Rosa, California. It has grown to become a community bank serving Sonoma County and surrounding areas. The bank focuses on providing personalized banking services to individuals and businesses.
Core Business Areas
- Commercial Banking: Offers a range of services for businesses, including loans, lines of credit, deposit accounts, and cash management services.
- Retail Banking: Provides banking services for individuals, including checking and savings accounts, mortgages, and personal loans.
- Real Estate Lending: Focuses on financing commercial and residential real estate projects.
- Wealth Management: Offers financial planning and investment services to individuals and families.
Leadership and Structure
The bank is led by a board of directors and an executive management team. The structure includes departments for lending, operations, finance, and marketing.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to small and medium-sized businesses for various purposes, such as expansion, working capital, and equipment purchases. Market share data is not publicly available. Competitors include other community banks and larger national banks such as Wells Fargo and Bank of America.
- Real Estate Loans: Offers financing for commercial and residential real estate projects. Market share data is not publicly available. Competitors include other community banks, credit unions, and mortgage companies such as Redwood Credit Union and First Community Bank.
- Deposit Accounts: Deposit accounts include checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available. Competitors include other community banks, credit unions, and online banks such as Ally Bank and Capital One 360.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate hikes, regulatory changes, and increased competition from non-traditional financial institutions (fintechs). Community banks play a vital role in supporting local economies and small businesses.
Positioning
Summit State Bank positions itself as a community-focused bank with a strong commitment to customer service and local economic development. It competes with larger banks and other community banks in the region.
Total Addressable Market (TAM)
The TAM for banking services in Sonoma County and surrounding areas is estimated to be in the billions of dollars annually. Summit State Bank is positioned to capture a portion of this market through its local presence and personalized service.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Commitment to customer service
- Solid financial performance
Weaknesses
- Limited geographic reach
- Smaller size compared to larger banks
- Dependence on local economy
- Limited brand recognition outside of the service area
Opportunities
- Expand into new markets
- Increase market share through targeted marketing
- Develop new products and services
- Leverage technology to improve efficiency
Threats
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- WFC
- BAC
- USB
- SFNC
- FFWM
Competitive Landscape
Summit State Bank faces strong competition from larger national banks with greater resources and brand recognition. Its advantage lies in its local focus and personalized service, which can attract customers who value community banking. Smaller market share of 5% compared to large national competitors of 20.1% and 19%.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends of Summit State Bank must be added manually, once found.
Future Projections: Future growth projections for Summit State Bank based on analyst estimates, if any, must be added manually, once found.
Recent Initiatives: Recent strategic initiatives undertaken by Summit State Bank must be added manually, once found.
Summary
Summit State Bank is a community bank with a strong local presence and commitment to customer service. Its smaller size and limited geographic reach pose challenges in competing with larger national banks. The bank can capitalize on its strengths by expanding into new markets and leveraging technology to improve efficiency. Key areas to watch include competition, economic conditions, and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Third party financial data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Financial data may be delayed. Consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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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