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Summit Bancshares, Inc. (SMAL)

USD58.10 +0.05 (+0.09%)
US OTC Financial Services Banks - Regional
Address 2969 Broadway 94611
Oakland, CA, US
CEO Shirley W. Nelson
IPO 1999-11-30
ISIN US8660101010

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Description

Summit Bancshares, Inc., operating through its subsidiary Summit Bank in California, provides a range of banking services, including commercial lending. Clients can access various deposit products, such as checking and savings accounts, alongside certificates of deposit. The institution also extends financing for commercial real estate, land development, and construction projects, as well as general commercial and consumer loans, and issues letters of credit. With three branch locations, the company serves a broad customer base, including small and mid-sized businesses, diverse professionals (such as physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors), and individual clients. Founded in 1982, Summit Bancshares, Inc. is headquartered in Oakland, California.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD58.10 +0.05 (+0.09%)
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Volume Profile
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Liquidity & share structure
Average Volume
206
Beta
0.33
Float Shares
763.2K
Free Float %
65.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -0.19% -0.62% +0.03% +3.11% +1.66% +26.68% +61.91% +64.59% +219.34% +892.08%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
58.10
DCF (Unlevered) 110.84 +90.8%
DCF (Levered) 123.16 +112.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
-0.26
Distress
Piotroski F-Score
7 / 9
Strong
Operational MOAT
  • Revenue growth
    +1.2% Q4'07: -4.2% (vs Q4'06)
  • EPS growth
    -33.3% Q4'07: +69.2% (vs Q4'06)
  • FCF margin
    Q4'07: +104.1% (vs Q4'06)
  • EBIT margin
    Q4'07: +40.1% (vs Q4'06)
  • ROIC
    Q4'07: -34.6% (vs Q4'06)
  • Share dilution
    -10.5% Q4'07: -16.8% (vs Q4'06)
  • Debt / EBITDA
    Q4'07: 0.00× (vs Q4'06)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.34) × ERP
WACC = 99% × Ke + 1% × Kd (288.8%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 78.49 Current price: 58.10
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
3.00M
OE per share TTM
1.63
Owner's Yield
4.00%
Maintenance CapEx ratio
30.21%
Maint CapEx / Avg PPE
8.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
106.7K
Shares Outstanding
1.16M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Shirley W. Nelson Chairman & Chief Executive Officer 334.8K female
Steven Nelson Jr. President & CEO 114.3K male
Krystle Johnson Vice President, Compliance Officer & Operations Administrator female
Mani Ganesamurthy Senior Vice President & Chief Financial Officer male
Yong Bai Senior Vice President & Major Relationship Manager female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings reports

Stock splits