Summit State Bank (SSBI)
Santa Rosa, CA, US
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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.07% | -0.29% | -1.31% | +3.83% | +25.18% | +16.68% | +35.70% | -8.43% | -6.09% | +34.62% | +24.38% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth-5.2% Q1'26: -0.9% (vs Q1'25)
-
EPS growth+262.9% Q1'26: -32.4% (vs Q1'25)
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FCF margin— Q1'26: +25.1% (vs Q1'25)
-
EBIT margin— Q1'26: +15.1% (vs Q1'25)
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ROIC— Q1'26: -97.9% (vs Q1'25)
-
Share dilution+0.2% Q1'26: +0.2% (vs Q1'25)
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Debt / EBITDA— Q1'26: 0.65× (vs Q1'25)
* 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.
| Metric |
Dec 2007 actual |
Dec 2008 actual |
Dec 2009 actual |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
23.95M
est: 65.44M (-63.4%)
|
22.71M
est: 62.95M (-63.9%)
|
21.77M
est: 196.49M (-88.9%)
|
20.17M
est: 75.64M (-73.3%)
|
20.60M
est: 80.64M (-74.4%)
|
20.41M
est: 30.99M (-34.1%)
|
19.51M
est: 41.08M (-52.5%)
|
19.93M
est: 46.76M (-57.4%)
|
21.22M
est: 51.43M (-58.7%)
|
21.93M
est: 56.57M (-61.2%)
|
22.43M
est: 62.23M (-64.0%)
|
27.88M
est: 68.46M (-59.3%)
|
32.47M
est: 75.30M (-56.9%)
|
40.58M
est: 82.83M (-51.0%)
|
46.43M
est: 91.11M (-49.0%)
|
56.16M
est: 100.23M (-44.0%)
|
65.06M
est: 110.25M (-41.0%)
|
| EBITDA |
4.13M
est: 19.05M (-78.3%)
|
2.61M
est: 15.18M (-82.8%)
|
4.35M
est: 11.31M (-61.5%)
|
3.95M
est: 8.94M (-55.8%)
|
4.87M
est: 8.16M (-40.4%)
|
6.58M
est: 5.36M (+22.7%)
|
7.97M
est: 7.26M (+9.7%)
|
9.76M
est: 8.25M (+18.3%)
|
10.65M
est: 9.07M (+17.4%)
|
8.76M
est: 9.98M (-12.2%)
|
6.26M
est: 10.98M (-43.0%)
|
8.39M
est: 12.07M (-30.5%)
|
9.37M
est: 13.28M (-29.4%)
|
15.37M
est: 14.61M (+5.2%)
|
21.29M
est: 16.07M (+32.5%)
|
24.26M
est: 17.68M (+37.3%)
|
15.67M
est: 19.44M (-19.4%)
|
| EBIT |
3.31M
est: 2.74M (+20.7%)
|
1.72M
est: 260.3K (+559.1%)
|
3.54M
est: 3.70M (-4.3%)
|
3.18M
est: 3.76M (-15.3%)
|
3.79M
est: 2.61M (+45.5%)
|
5.87M
est: 3.61M (+62.3%)
|
7.35M
est: 5.76M (+27.5%)
|
9.33M
est: 6.54M (+42.6%)
|
10.26M
est: 7.19M (+42.6%)
|
8.45M
est: 7.91M (+6.8%)
|
5.92M
est: 8.71M (-32.0%)
|
8.04M
est: 9.58M (-16.0%)
|
8.88M
est: 10.53M (-15.7%)
|
14.94M
est: 11.59M (+28.9%)
|
20.88M
est: 12.75M (+63.8%)
|
23.87M
est: 14.02M (+70.2%)
|
15.28M
est: 15.42M (-0.9%)
|
| Net Income |
1.94M
est: 2.30M (-15.5%)
|
1.01M
est: 158.4K (+536.8%)
|
2.08M
est: 2.17M (-4.2%)
|
1.81M
est: 2.12M (-14.9%)
|
2.23M
est: 2.24M (-0.4%)
|
3.45M
est: 2.12M (+62.3%)
|
4.32M
est: 3.39M (+27.5%)
|
5.49M
est: 3.85M (+42.7%)
|
6.03M
est: 4.23M (+42.6%)
|
4.97M
est: 4.65M (+6.8%)
|
3.29M
est: 5.12M (-35.7%)
|
5.83M
est: 5.63M (+3.5%)
|
6.48M
est: 6.19M (+4.6%)
|
10.52M
est: 6.81M (+54.4%)
|
14.70M
est: 7.49M (+96.2%)
|
16.97M
est: 8.24M (+105.9%)
|
10.82M
est: 9.07M (+19.4%)
|
| SGA |
3.97M
est: 4.73M (-16.0%)
|
4.34M
est: 6.47M (-32.9%)
|
4.27M
est: 5.20M (-17.9%)
|
6.77M
est: 5.77M (+17.4%)
|
7.31M
est: 5.61M (+30.3%)
|
7.53M
est: 4.42M (+70.3%)
|
7.86M
est: 6.37M (+23.4%)
|
7.99M
est: 7.15M (+11.8%)
|
8.11M
est: 7.86M (+3.2%)
|
9.61M
est: 8.65M (+11.2%)
|
10.88M
est: 9.51M (+14.4%)
|
12.38M
est: 10.47M (+18.3%)
|
12.81M
est: 11.51M (+11.2%)
|
12.54M
est: 12.66M (-1.0%)
|
14.91M
est: 13.93M (+7.0%)
|
17.73M
est: 15.32M (+15.7%)
|
18.39M
est: 16.85M (+9.1%)
|
| EPS |
0.29
est: 0.48 (-38.9%)
|
0.15
est: 0.63 (-76.2%)
|
0.24
est: 0.51 (-52.9%)
|
0.19
est: 0.35 (-45.7%)
|
0.24
est: 0.37 (-34.2%)
|
0.45
est: 0.21 (+119.5%)
|
0.62
est: 0.44 (+40.9%)
|
0.82
est: 0.50 (+64.0%)
|
0.90
est: 0.55 (+63.6%)
|
0.75
est: 0.61 (+24.0%)
|
0.50
est: 0.67 (-24.8%)
|
0.87
est: 0.73 (+20.0%)
|
0.97
est: 0.80 (+21.3%)
|
1.58
est: 0.88 (+79.5%)
|
2.20
est: 0.98 (+125.6%)
|
2.54
est: 1.08 (+135.2%)
|
1.62
est: 1.19 (+36.7%)
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-28 | B | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-27 | B | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-26 | B | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-22 | B | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-21 | B | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-20 | B | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-19 | B | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-18 | B | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-15 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-14 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-13 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-12 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-11 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-08 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-05 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-04 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-01 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-04-29 | B | 3/5 | 3/5 | 2/5 | 3/5 | 3/5 | 2/5 | 3/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 | 3/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 | 3/5 | 4/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 | 3/5 | 4/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 3/5 | 4/5 | 2/5 | 3/5 | 4/5 |
Owner Earnings
Ownership Overview
No beneficial ownership filings recorded.
Institutional Activity (13F)
| # | Investor | Shares / Δ | Mkt value / Δ | Own% / Δ | Weight% / Δ | Avg px / Perf. | Hold / Status |
|---|---|---|---|---|---|---|---|
| 1 | — | 49.1K +49.1K (+100.0%) | 883.22M +883.2M (+100.0%) | 0.73% +0.730 pp | 0.69% +0.686 pp | USD11.63 +0.0% | 1 qtrs NEW |
| 2 | M3F, INC. | 354.2K +— (+0.0%) | 4.12M -99.0K (-2.3%) | 5.26% +0.004 pp | 1.13% -0.064 pp | USD8.14 +42.9% | 5 qtrs — |
| 3 | CALDWELL SUTTER CAPITAL, INC. | 346.8K -2.5K (-0.7%) | 4.03M -126.9K (-3.1%) | 5.15% -0.033 pp | 1.71% -0.067 pp | USD12.79 -9.1% | 13 qtrs — |
| 4 | ALLIANCEBERNSTEIN L.P. | 334.5K +240.0K (+253.9%) | 3.89M +2.8M (+245.6%) | 4.97% +3.567 pp | 0.00% +0.001 pp | USD11.71 -0.7% | 2 qtrs — |
| 5 | VANGUARD GROUP INC | 256.9K -10.9K (-4.1%) | 2.99M -201.4K (-6.3%) | 3.82% -0.159 pp | 0.00% +0.000 pp | USD13.49 -13.8% | 49 qtrs — |
| 6 | BANC FUNDS CO LLC | 193.2K -129.9K (-40.2%) | 2.25M -1.6M (-41.6%) | 2.90% -1.901 pp | 0.44% -0.228 pp | USD13.40 -13.2% | 50 qtrs — |
| 7 | SALZHAUER MICHAEL | 92.5K +— (+0.0%) | 1.08M +981.2K (+1,037.9%) | 1.37% +0.001 pp | 0.44% +0.395 pp | USD10.63 +9.4% | 35 qtrs — |
| 8 | MAI CAPITAL MANAGEMENT | 90.6K -1.0K (-1.1%) | 1.05M -37.3K (-3.4%) | 1.35% -0.014 pp | 0.01% -0.001 pp | USD10.62 +9.5% | 8 qtrs — |
| 9 | DIMENSIONAL FUND ADVISORS LP | 69.6K -6.2K (-8.1%) | 809.7K -93.0K (-10.3%) | 1.03% -0.091 pp | 0.00% +0.000 pp | USD10.44 +11.4% | 51 qtrs — |
| 10 | GEODE CAPITAL MANAGEMENT, LLC | 52.0K -879.0 (-1.7%) | 605.4K -25.1K (-4.0%) | 0.77% -0.013 pp | 0.00% +0.000 pp | USD14.09 -17.5% | 15 qtrs — |
| 11 | BRIDGEWAY CAPITAL MANAGEMENT, LLC | 28.8K +— (+0.0%) | 335.2K -8.1K (-2.4%) | 0.43% +0.000 pp | 0.01% 0.000 pp | USD10.90 +6.7% | 35 qtrs — |
| 12 | STIFEL FINANCIAL CORP | 16.2K +— (+0.0%) | 188.6K -4.5K (-2.4%) | 0.24% +0.000 pp | 0.00% +0.000 pp | USD11.91 -2.4% | 2 qtrs — |
| 13 | STATE STREET CORP | 14.0K +— (+0.0%) | 162.9K -3.9K (-2.4%) | 0.21% +0.000 pp | 0.00% +0.000 pp | USD13.91 -16.4% | 15 qtrs — |
| 14 | CREATIVE PLANNING | 13.8K +— (+0.0%) | 159.9K -3.9K (-2.4%) | 0.20% +0.000 pp | 0.00% +0.000 pp | USD8.45 +37.6% | 6 qtrs — |
| 15 | NORTHERN TRUST CORP | 13.2K -128.0 (-1.0%) | 153.3K -5.2K (-3.3%) | 0.20% -0.002 pp | 0.00% +0.000 pp | USD10.82 +7.5% | 9 qtrs — |
| 16 | BLACKROCK, INC. | 12.6K -426.0 (-3.3%) | 146.2K -8.6K (-5.6%) | 0.19% -0.006 pp | 0.00% +0.000 pp | USD8.64 +34.6% | 6 qtrs — |
| 17 | WEALTHSPIRE ADVISORS, LLC | 12.5K +12.5K (+100.0%) | 145.0K +145.0K (+100.0%) | 0.19% +0.187 pp | 0.00% +0.001 pp | USD11.63 +0.0% | 1 qtrs NEW |
| 18 | RENAISSANCE TECHNOLOGIES LLC | 12.4K +12.4K (+100.0%) | 144.1K +144.1K (+100.0%) | 0.18% +0.184 pp | 0.00% +0.000 pp | USD11.63 +0.0% | 1 qtrs NEW |
| 19 | SUSQUEHANNA INTERNATIONAL GROUP, LLP | 12.2K -1.8K (-12.7%) | 142.0K -24.5K (-14.7%) | 0.18% -0.026 pp | 0.00% +0.000 pp | USD11.91 -2.4% | 2 qtrs — |
| 20 | MORGAN STANLEY | 12.0K +— (+0.0%) | 139.2K -3.4K (-2.4%) | 0.18% +0.000 pp | 0.00% +0.000 pp | USD9.22 +26.1% | 49 qtrs — |
| 21 | CITADEL ADVISORS LLC | 11.6K +11.6K (+100.0%) | 135.2K +135.2K (+100.0%) | 0.17% +0.173 pp | 0.00% +0.000 pp | USD11.63 +0.0% | 9 qtrs — |
| 22 | JPMORGAN CHASE & CO | 938.00 +— (+0.0%) | 10.9K -263.0 (-2.4%) | 0.01% +0.000 pp | 0.00% +0.000 pp | USD11.91 -2.4% | 2 qtrs — |
| 23 | UBS GROUP AG | 7.00 -9.4K (-99.9%) | 82.00 -112.1K (-99.9%) | 0.00% -0.140 pp | 0.00% +0.000 pp | USD10.71 +8.6% | 14 qtrs — |
| 24 | BANK OF AMERICA CORP /DE/ | 6.00 +— (+0.0%) | 70.00 -1.0 (-1.4%) | 0.00% +0.000 pp | 0.00% +0.000 pp | USD9.50 +22.4% | 13 qtrs — |
| 25 | CITIGROUP INC | 1.00 +1.0 (+100.0%) | 12.00 +12.0 (+100.0%) | 0.00% +0.000 pp | 0.00% +0.000 pp | USD11.00 +5.7% | 1 qtrs NEW |
| 26 | SBI SECURITIES CO., LTD. | — -1.0 (-100.0%) | — -12.0 (-100.0%) | 0.00% +0.000 pp | 0.00% +0.000 pp | USD— | 5 qtrs SOLD |
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares Micro-Cap ETF IWC | 0.02% | 233.9K | 0.60% |
| 2 | Dimensional - US Vector Equity ETF DXUV | 0.00% | 13.9K | 0.28% |
| 3 | Vanguard Extended Market ETF VXF | 0.00% | 663.2K | 0.05% |
| 4 | U.S. Micro Cap Portfolio ETF DFMC | 0.00% | 47.0K | 0.43% |
| 5 | Dimensional - US Core Equity 1 ETF DCOR | 0.00% | 14.6K | 0.14% |
| 6 | Dimensional - US Sustainability Core 1 ETF DFSU | 0.00% | 7.6K | 0.15% |
| 7 | Dimensional - US Core Equity 2 ETF DFAC | 0.00% | 110.4K | 0.17% |
| 8 | Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO | 0.00% | 1.0K | 0.17% |
| 9 | Vanguard U.S. Total Market Shares Index ETF VTS.AX | 0.00% | 5.1K | 0.03% |
| 10 | Vanguard U.S. Total Market Index ETF VUN.TO | 0.00% | 14.1K | 0.17% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Brian J. Reed | President, Chief Executive Officer & Director | 556.9K | male |
| Genie Del Secco | Executive Vice President & Chief Operating Officer | 358.6K | female |
| Brandy A. Lee Seppi | Executive Vice President & Chief Banking Officer | 348.4K | female |
| Camille D. Kazarian | Executive Vice President & Chief Financial Officer | 156.5K | female |
| Karen Holloway | Senior Vice President | — | female |
| Michael J. Floyd | Executive Vice President & Chief Credit Officer | — | male |
| Patty A. Hoagland | Director of Information Services | — | female |
| Barbara Gradman | Corporate Secretary | — | female |
| Wayne Hoffer | Senior Vice President | — | male |
| Elaina Hunt | Vice President of Marketing & Community Relations | — | female |
| Janet Connors | Senior Vice President & Relationship Manager | — | female |
| John Osborne | Senior Vice President & Relationship Manager | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for SSBI
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

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