Summit State Bank (SSBI)

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$12.14

-0.17 (-1.38%)

Market Cap: $83.09M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Jul 28, 2026Reported Jul 28	$-0.19	N/A	-	N/A	Beat	-	-	-152.9%
Mar 31, 2026Mar 26 Reported Apr 28, 2026Reported Apr 28	$0.25	N/A	-	N/A	Beat	-	-	-33.0%
Dec 31, 2025Dec 25 Reported Jan 27, 2026Reported Jan 27	$0.16	N/A	-	N/A	Beat	-	-	+116.1%
Sep 30, 2025Sep 25 Reported Oct 29, 2025Reported Oct 29	$0.12	N/A	-	N/A	Beat	-	-	+30.4%
Jun 30, 2025Jun 25 Reported Jul 29, 2025Reported Jul 29	$0.36	N/A	-	N/A	Beat	-	-	+159.9%
Mar 31, 2025Mar 25 Reported Apr 29, 2025Reported Apr 29	$0.37	N/A	-	N/A	Beat	-	-	+78.2%
Dec 31, 2024Dec 24 Reported Jan 28, 2025Reported Jan 28	$-0.98	N/A	-	N/A	Beat	-	-	-451.1%
Sep 30, 2024Sep 24 Reported Oct 30, 2024Reported Oct 30	$0.09	N/A	-	N/A	Beat	-	-	-65.5%
Jun 30, 2024Jun 24 Reported Jul 31, 2024Reported Jul 31	$0.14	N/A	-	N/A	Beat	-	-	-69.0%
Mar 31, 2024Mar 24 Reported Apr 30, 2024Reported Apr 30	$0.21	N/A	-	N/A	Beat	-	-	-66.1%
Dec 31, 2023Dec 23 Reported Jan 30, 2024Reported Jan 30	$0.28	N/A	-	N/A	Beat	-	-	-58.9%
Sep 30, 2023Sep 23 Reported Oct 25, 2023Reported Oct 25	$0.27	N/A	-	N/A	Beat	-	-	-54.2%
Jun 30, 2023Jun 23 Reported Jul 25, 2023Reported Jul 25	$0.45	N/A	-	N/A	Beat	-	-	-33.5%
Mar 31, 2023Mar 23 Reported Apr 25, 2023Reported Apr 25	$0.62	N/A	-	N/A	Beat	-	-	+4.3%
Dec 31, 2022Dec 22 Reported Jan 24, 2023Reported Jan 24	$0.68	N/A	-	N/A	Beat	-	-	+23.8%
Sep 30, 2022Sep 22 Reported Oct 26, 2022Reported Oct 26	$0.59	N/A	-	N/A	Beat	-	-	+3.5%
Jun 30, 2022Jun 22 Reported Jul 26, 2022Reported Jul 26	$0.67	N/A	-	N/A	Beat	-	-	+4.7%
Mar 31, 2022Mar 22 Reported Apr 26, 2022Reported Apr 26	$0.59	N/A	-	N/A	Beat	-	-	+7.3%
Dec 31, 2021Dec 21 Reported Jan 25, 2022Reported Jan 25	$0.55	$0.00	-	N/A	Beat	-	-	+14.6%
Sep 30, 2021Sep 21 Reported Oct 27, 2021Reported Oct 27	$0.57	N/A	-	N/A	Beat	-	-	+16.3%
Jun 30, 2021Jun 21 Reported Jul 27, 2021Reported Jul 27	$0.64	N/A	-	N/A	Beat	-	-	+73.0%
Mar 31, 2021Mar 21 Reported Apr 27, 2021Reported Apr 27	$0.55	N/A	-	N/A	Beat	-	-	+37.5%
Dec 31, 2020Dec 20 Reported Jan 26, 2021Reported Jan 26	$0.48	N/A	-	N/A	Beat	-	-	+60.0%
Sep 30, 2020Sep 20 Reported Oct 28, 2020Reported Oct 28	$0.49	N/A	-	N/A	Beat	-	-	+44.1%
Jun 30, 2020Jun 20 Reported Jul 28, 2020Reported Jul 28	$0.37	N/A	-	N/A	Beat	-	-	+94.7%
Mar 31, 2020Mar 20 Reported Apr 27, 2020Reported Apr 27	$0.40	N/A	-	N/A	Beat	-	-	+73.9%
Dec 31, 2019Dec 19 Reported Jan 28, 2020Reported Jan 28	$0.30	N/A	-	N/A	Beat	-	-	+66.7%
Sep 30, 2019Sep 19 Reported Oct 22, 2019Reported Oct 22	$0.34	N/A	-	N/A	Beat	-	-	+36.0%
Jun 30, 2019Jun 19 Reported Jul 23, 2019Reported Jul 23	$0.19	N/A	-	N/A	Beat	-	-	-20.8%
Mar 31, 2019Mar 19 Reported Apr 30, 2019Reported Apr 30	$0.23	N/A	-	N/A	Beat	-	-	-20.7%
Dec 31, 2018Dec 18 Reported Jan 29, 2019Reported Jan 29	$0.18	N/A	-	N/A	Beat	-	-	+38.5%
Sep 30, 2018Sep 18 Reported Oct 23, 2018Reported Oct 23	$0.25	N/A	-	N/A	Beat	-	-	+47.1%
Jun 30, 2018Jun 18 Reported Jul 23, 2018Reported Jul 23	$0.24	N/A	-	N/A	Beat	-	-	+60.0%
Mar 31, 2018Mar 18 Reported Apr 24, 2018Reported Apr 24	$0.29	N/A	-	N/A	Beat	-	-	+93.3%
Dec 31, 2017Dec 17 Reported Jan 23, 2018Reported Jan 23	$0.13	N/A	-	N/A	Beat	-	-	-2.3%
Sep 30, 2017Sep 17 Reported Oct 24, 2017Reported Oct 24	$0.17	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 24, 2017Reported Jul 24	$0.15	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 25, 2017Reported Apr 25	$0.15	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Jan 25, 2017Reported Jan 25	$0.13	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield0.00%

Forward Annual Dividend$0.00

Payout Ratio0.00%

FrequencyQuarterly

Key Metrics

Valuation
P/E Ratio	35.86	EV/EBITDA	-7.66x
Price/FCF	N/A	FCF Yield	N/A
Profitability
Profit Margin	8.25%	Operating Margin	-44.60%
ROE	2.26%	ROIC	5.79%
Financial Health
Debt/Equity	0.06x	Interest Coverage	0.39x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.35	Avg Volume	4.61K
52-Week High	$14.00	52-Week Low	$10.35

Technical Indicators Dashboard

Moving Averages

SMA 10$12.35

SMA 20$12.41

SMA 50$12.67

SMA 200$13.15

EMA 10$12.36

EMA 20$12.42

EMA 50$12.64

EMA 200$12.72

MACD

Line: -0.10Signal: -0.10Hist: 0.00

ADX

ADX: 33.4+DI: 9.5-DI: 25.4

Aroon & PSAR

Aroon Up32.0

Aroon Down56.0

PSAR$12.63

Bollinger Bands

Upper Band$12.88

Lower Band$11.95

%B Position756%(Upper)

Band Width0.21

RSI (14-Day)

Neutral

43.2

Momentum Oscillators

Stoch %K29.4

Stoch %D46.1

Williams %R-81.1

ROC (10d)-2.4%

Momentum-0.30

CCI (20d)-102.6

MFI (14d)69.4

Volatility Measures

ATR (14d)$0.38(3.2%)

StdDev (20d)0.23

Hist Vol41.3%(High)

Volume Flow

VWAP$12.19

OBV570.9K

AD Line-394.1K

CMF (20d)-0.131

Volume Metrics

Avg Vol (20d)4.0K

Vol Ratio0.3x(Low)

VWMA (20d)$12.37

Pivot Points

R3$13.06

R2$12.82

R1$12.57

Pivot Point$12.33

S1$12.08

S2$11.84

S3$11.59

Advanced Oscillators

TSI-6.86

Ultimate Osc56.1

KST-25.38

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$14.99M	$15.06M	$13.03M	$15.13M	$15.49M	$15.19M	$15.40M	$16.03M	$15.17M	$15.43M	$14.98M	$16.40M
Cost of Revenue	$10.63M	$6.04M	$5.94M	$8.31M	$5.95M	$5.85M	$13.96M	$9.02M	$7.26M	$6.99M	$7.11M	$6.97M
Gross Profit	$4.36M	$9.01M	$7.09M	$6.82M	$9.55M	$9.35M	$1.45M	$7.01M	$7.91M	$8.44M	$7.87M	$9.43M

Operating Expenses	$6.31M	$6.74M	$5.74M	$5.54M	$6.30M	$6.25M	$9.99M	$6.18M	$6.63M	$6.40M	$5.16M	$6.93M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$4.11M	$4.67M	$3.83M	$3.65M	$4.59M	$4.40M	$3.88M	$4.45M	$4.67M	$4.40M	$3.31M	$4.89M
Operating Income	$-1,945,000	$2.27M	$1.35M	$1.27M	$3.24M	$3.10M	$-8,540,000	$828,000	$1.28M	$2.04M	$2.71M	$2.51M

Interest Income	$0	$13.75M	$14.31M	$14.09M	$15.10M	$14.41M	$14.81M	$14.85M	$14.24M	$14.35M	$14.91M	$14.80M
Interest Expense	$4.72M	$5.00M	$5.46M	$5.55M	$6.00M	$6.46M	$7.23M	$7.71M	$7.28M	$7.07M	$7.21M	$7.00M
Income Before Tax	$-1,945,000	$2.27M	$1.35M	$1.27M	$3.24M	$3.10M	$-8,540,000	$828,000	$1.28M	$2.04M	$2.71M	$2.51M
Income Tax Expense	$-638,000	$599,000	$284,000	$453,000	$825,000	$605,000	$-1,398,000	$202,000	$356,000	$645,000	$807,000	$686,000

Net Income	$-1,307,000	$1.67M	$1.07M	$818,000	$2.42M	$2.49M	$-7,142,000	$626,000	$928,000	$1.40M	$1.90M	$1.82M

EBITDA	$-1,945,000	$2.36M	$1.44M	$1.37M	$3.33M	$3.20M	$-8,441,000	$926,000	$1.38M	$2.14M	$2.81M	$2.60M
EBIT	N/A	$2.27M	$1.35M	$1.27M	$3.24M	$3.10M	$-8,540,000	$828,000	$1.28M	$2.04M	$2.71M	$2.51M

* Some calculated fields are derived from available data when not provided by source

Related GNG Research

No research available

Be the first to write about SSBI

News

Summit State Bank (SSBI) Stock Price, News, Quote & History

This page provides a detailed overview of Summit State Bank (SSBI) stock, including its current price, performance metrics, key financial data, and company profile. It highlights the bank's services in Sonoma County...

Yahoo! Finance Canada•Oct 10, 2026 2:41 AM ET10/10/26•Neutral

Understanding the Setup: (SSBI) and Scalable Risk

This article analyzes Summit State Bank (NASDAQ: SSBI), highlighting a strong near-term sentiment potentially leading to a long-term positive bias. It identifies a mid-channel oscillation pattern and an exceptional...

Stock Traders Daily•Oct 8, 2026 10:04 PM ET10/8/26•Bullish

Summit State Bank (SSBI-Q) Stock Price and News

This article provides detailed stock information for Summit State Bank (SSBI-Q), including its current trading data, historical price movements...

The Globe and Mail•Oct 3, 2026 6:10 AM ET10/3/26•Neutral

Behavioral Patterns of SSBI and Institutional Flows

This article provides an analysis of Summit State Bank (NASDAQ: SSBI) focusing on behavioral patterns and institutional flows. It highlights weak near-term sentiment challenging long-term strength and divergent sentiment...

Stock Traders Daily•Aug 15, 2026 2:41 AM ET8/15/26•Somewhat-Bearish

Summit State Bank (SSBI) Earnings Forecast: Future EPS & Revenue Growth Estimates

This article provides an earnings forecast for Summit State Bank (SSBI), including future EPS and revenue growth estimates. It lists current stock information such as market cap and P/E ratio...

TradingKey•Aug 7, 2026 5:10 PM ET8/7/26•Neutral

SSBI Valuation and Fair Value

P/E: 35.9x
Forward P/E: 23.9x
EV/EBITDA: -7.7x
PEG: 0.0x
P/B: 0.8x

See GNG's fair value

SSBI Profitability: Margins, ROIC and FCF

Gross margin: 46.9%
Operating margin: -44.6%
Net margin: 8.3%
ROIC: 5.8%
ROE: 2.3%
FCF margin: 30.5%

SSBI Competitors

Company	Ticker
Siebert Financial Corp	SIEB
Hennessy Ad	HNNA
UY Scuti Acquisition Corp.	UYSC
First Seacoast Bancorp	FSEA
BCP Investment Corp.	BCIC
United Bancorp Inc	UBCP
FG Merger II Corp. Common stock	FGMC
Silvercrest Asset Management Group Inc	SAMG

Sector: Financial Services

SSBI Bull Case vs Bear Case

Bull case

SSBI converts 30.5% of revenue into free cash flow.
SSBI beat EPS estimates in 100.0% of its last 8 reported quarters.

Bear case

SSBI's quarterly revenue changed -54.3% year over year.

SSBI Earnings: Beat Rate and Next Report

Beat rate: 8 of 8 quarters (100.0%)
Average surprise: 39.0%

SSBI Dividend

Forward yield: 0.0%
Payout ratio: 0.0%

Frequently Asked Questions About SSBI

Does SSBI pay dividends?

Summit State Bank (SSBI) has a dividend payment track record. See the SSBI dividend history page for its current payment status, TTM yield, and recorded payments.

What is SSBI's P/E ratio?

Summit State Bank has a price-to-earnings (P/E) ratio of 35.86.

What is SSBI's market cap?

Summit State Bank (SSBI) has a market capitalization of $83.09M with a current stock price of $12.14.

Get full access to GNG Research

Create a free account to access portfolio tracking, advanced tools, and more.

Create Free Account Log In