Financial Services
Summit Bancshares, Inc.(SMAL)
Live Price
Offline$58.07
+0.00% today
1Y Change
+22.74%
Window
Jun 23, 2025 → Jun 12, 2026
- Market Cap
- $70.00M
- Revenue Growth
- -15.4%
- EPS Growth
- -17.4%
- Dividend Yield
- 2.4%
Coverage: 245 bars · Jun 23, 2025 → Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Summit Bancshares, Inc. (SMAL) is a Financial Services stock with a market cap of $70.00M and listed on OTC. The stock last traded around $58.07 and up 22.7% across the available one-year price window (Jun 23, 2025 → Jun 12, 2026). Baseline metrics include revenue growth of -15.4%, EPS growth of -17.4%, a dividend yield of 2.4%. What stands out right now is revenue -15.4%, EPS -17.4%, free cash flow -20.2% with operating margin 43.4% and ROIC 8.8%. The dividend is present but secondary, with a yield around 2.4%. Valuation is more restrained than many high-expectation growth names at P/E 16.6 and price/sales 4.2. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines SMAL price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-15.4% vs +3.4% peer median
Operating Margin
Above sector median
+43.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
The operating picture looks softer than before
Revenue is at -15.4% and EPS is at -17.4%, with operating margin around 43.4%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.4%, which matters if the thesis depends on income as much as growth.
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SMAL
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
SMAL Max Drawdown
-4.06%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for SMAL and SPY.
Company Overview
Summit Bancshares, Inc.
Other OTC
Summit Bancshares, Inc., through its subsidiary, Summit Bank, provides commercial credit and other banking services in California. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial real estate, land development and construction, and commercial and consumer loans, as well as letters of credit. The company offers its products and services through three branches to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors, as well as individuals. Summit Bancshares, Inc. was founded in 1982 and is based in Oakland, California.
- Leadership
- Shirley W. Nelson
- IPO Date
- Nov 30, 1999
- Employees
- 40
- Street Address
- 2969 Broadway
- Mailing
- Oakland, CA, 94611
- Region
- Oakland, CA, US
- Reporting Currency
- USD
- Investor Line
- 510 839 8800
- Last Updated
- May 4, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 16.6
- EV/EBITDA
- 1.2
- Price/Sales
- 4.2
- Price/Book
- 1.6
Growth
- Revenue
- -15.4%
- EPS
- -17.4%
- Free Cash Flow
- -20.2%
Profitability
- Gross Margin
- 100.0%
- Operating Margin
- 43.4%
- Net Margin
- 28.0%
- ROE
- 9.8%
- ROIC
- 8.8%
Balance Sheet
- Debt/Equity
- 0.02
- Current Ratio
- 0.25
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.