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Summit State Bank (SSBI)

USD13.53 +0.21 (+1.58%)
US NASDAQ Financial Services Banks - Regional
Address 500 Bicentennial Way 95403
Santa Rosa, CA, US
CEO Brian Reed
IPO 2006-07-14
ISIN US8662642037

Explore sections of this company profile

Description

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.

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
USD13.53 +0.21 (+1.58%)
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Volume Profile
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Liquidity & share structure
Average Volume
4.2K
Beta
0.18
Float Shares
4.47M
Free Float %
67.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.07% -0.29% -1.31% +3.83% +25.18% +16.68% +35.70% -8.43% -6.09% +34.62% +24.38%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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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

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (1 ratings, all time) Hold
Price Targets & DCF
Current price
13.53
DCF (Unlevered) 15.50 +14.6%
DCF (Levered) 13.00 -3.9%

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.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.39
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    -5.2% Q1'26: -0.9% (vs Q1'25)
  • EPS growth
    +262.9% Q1'26: -32.4% (vs Q1'25)
  • FCF margin
    Q1'26: +25.1% (vs Q1'25)
  • EBIT margin
    Q1'26: +15.1% (vs Q1'25)
  • ROIC
    Q1'26: -97.9% (vs Q1'25)
  • Share dilution
    +0.2% Q1'26: +0.2% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.65× (vs Q1'25)
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 (0.18) × ERP
WACC = 94% × Ke + 6% × Kd (394.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 15.50 Current price: 13.53
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

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

Consensus Estimates
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%)
Historical Ratings (3M)
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

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.39M
OE per share TTM
0.80
Owner's Yield
5.90%
Maintenance CapEx ratio
25.67%
Maint CapEx / Avg PPE
10.7%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
25
Total invested
27.73M
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2026 Q1
Investors holding
25
+0 vs prev Q
New positions
3
Closed positions
3
Increased
13
Reduced
1
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# 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
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 19 ETFs in our universe
# 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

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
87.0K
Shares Outstanding
6.68M

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
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
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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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.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits