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Upturn AI SWOT - About
SSBI 
Summit State Bank (SSBI)
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Upturn Advisory Summary
06/30/2025: 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
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.06% | Avg. Invested days 27 | 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 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Summit State Bank
Company Overview
History and Background
Summit State Bank was founded in 1982 in Sonoma County, California. It has grown organically, focusing on serving the banking needs of local businesses and individuals. The bank has remained independent, emphasizing relationship banking.
Core Business Areas
- Commercial Banking: Provides a range of banking services to businesses, including loans, lines of credit, deposit accounts, and cash management services.
- Retail Banking: Offers banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- Real Estate Lending: Specializes in financing commercial real estate projects and residential mortgages.
Leadership and Structure
The leadership team consists of the CEO, CFO, Chief Credit Officer, and other key executives. The organizational structure is typical of a community bank, with branches reporting to regional managers and functional departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for the acquisition, development, and refinancing of commercial real estate properties. Market share data is fragmented amongst many smaller local banks and credit unions, making it difficult to determine precise market share. Competitors include other regional and community banks like Westamerica Bank (WABC) and Bank of Marin Bancorp (BMRC).
- Small Business Loans: Offers loans to small businesses for working capital, equipment purchases, and expansion. Market share is also fragmented. Competitors include other regional banks, credit unions, and online lenders such as Funding Circle and OnDeck.
- Deposit Accounts: Provides checking, savings, and money market accounts for businesses and individuals. Market share is hard to accurately collect. Competitors include regional and national banks like Bank of America (BAC) and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The community banking industry is facing increasing competition from larger banks and fintech companies. Interest rate volatility and regulatory changes are also impacting the industry.
Positioning
Summit State Bank is positioned as a relationship-focused community bank serving the Sonoma County market. Its competitive advantages include its local expertise and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in Sonoma County and the surrounding area is estimated to be in the billions of dollars. Summit State Bank's is capturing a small portion, focusing on specific niches like commercial real estate and small business lending.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Excellent customer service
- Solid asset quality
Weaknesses
- Limited geographic reach
- Smaller balance sheet compared to larger competitors
- Dependence on local economy
Opportunities
- Expansion into adjacent markets
- Increased focus on digital banking
- Strategic partnerships with fintech companies
- Capturing market share from larger banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the region
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- WABC
- BMRC
- BAC
- WFC
Competitive Landscape
Summit State Bank is a smaller community bank competing with larger regional and national banks. Its advantages include its local focus and personalized service. Its disadvantages include its limited resources and geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Discuss Summit State Bank's growth trends over the past years. I don't have access to historical growth data.
Future Projections: Provide projections for Summit State Bank's future growth based on analyst estimates. I don't have access to future projections data.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Summit State Bank.
Summary
Summit State Bank is a community bank with strong ties to the Sonoma County market. Its focus on relationship banking and local expertise provides a competitive advantage. However, its limited resources and geographic reach pose challenges. Increased competition and regulatory changes are threats the bank needs to navigate.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website, Industry reports, Competitor analysis
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice.
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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