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Upturn AI SWOT - About
SSBI 
Summit State Bank (SSBI)
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Upturn Advisory Summary
10/15/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit 0.34% | Avg. Invested days 41 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 and is headquartered in Santa Rosa, California. It operates as a community bank offering a range of financial services in Sonoma County.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses.
- Retail Banking: Offers checking and savings accounts, loans, and other services to individual customers.
- Real Estate Lending: Focuses on financing commercial and residential real estate projects.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other executive officers. The bank has a board of directors overseeing its operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data unavailable. Competitors: Wells Fargo, Bank of America.
- Small Business Loans: Offers loans to small businesses in the Sonoma County area. Market share data unavailable. Competitors: U.S. Bank, Chase.
- Deposit Accounts: Includes checking, savings, and money market accounts for businesses and individuals. Market share data unavailable. Competitors: Redwood Credit Union, Exchange Bank.
Market Dynamics
Industry Overview
The community banking industry is characterized by increasing regulatory scrutiny and competition from larger banks and fintech companies.
Positioning
Summit State Bank positions itself as a relationship-focused community bank, emphasizing personalized service and local expertise.
Total Addressable Market (TAM)
The TAM is the banking market in Sonoma County, estimated at several billion dollars. Summit State Bank aims to capture a portion of this market through its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence in Sonoma County
- Experienced management team
- Relationship-focused banking model
- Good credit quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on local economy
- Vulnerable to interest rate fluctuations
Opportunities
- Expansion into adjacent markets
- Adoption of new technologies
- Strategic acquisitions
- Increased demand for community banking
Threats
- Increased competition from larger banks
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Wells Fargo (WFC)
- Bank of America (BAC)
- U.S. Bank (USB)
Competitive Landscape
Summit State Bank's advantages include its local focus and personalized service. Disadvantages include its smaller size and limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Data unavailable. Please replace with actual data when available.
Future Projections: Data unavailable. Please replace with actual data when available.
Recent Initiatives: Data unavailable. Please replace with actual data when available.
Summary
Summit State Bank is a community bank with a strong local presence. Its focus on relationship banking is a key strength, but its smaller size is a limitation. Future growth may depend on expansion into new markets and adoption of new technologies. It needs to watch out for increasing competition and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Public Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates.
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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