SUMMIT STATE BANK

SSBINASDAQ

🏆 #3421 by market capUS Equity

$13.22▼ $0.18 (−1.34%)

Market closed · at close

1h—

24h▼ 1.3%

7d▲ 5.5%

14d▲ 1.1%

30d▼ 2.5%

1y▲ 12.0%

🏦Market Cap

$89M

Small Cap

📈Revenue Growth (YoY)

-5.2%

Declining

📊Gross Margin

46.9%

Healthy

💵FCF Margin

23.3%

Strong

⚖️P/S Ratio

1.5x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $13.06 – $13.34
52-Week Range: $10.35 – $14.00
Volume: $3.46B
Avg Volume: $4.11B
Shares Outstanding: 6.8M
Next Earnings: Sep 13, 2026

Fundamentals Snapshot

Annual Revenue: $59M
Last Q Revenue: $15M
P/E Ratio: 38.9
P/S Ratio: 1.5x
EPS (TTM): $0.33
Dividend Yield: 0.00%

Why Investors Own SSBI

✓High-growth profile — revenue up +17.8% YoY with expanding US Equity exposure.
✓Healthy economics — 79% gross margin and 10% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$59M▲ +14.9% YoY

Gross Margin (TTM)

79.2%▲ +2.7% YoY

Operating Income (TTM)

$12M▲ +14.9% YoY

Free Cash Flow (TTM)

$6M▲ +14.9% YoY

About SUMMIT STATE BANK

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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