Income statement
USD
Annual
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 16M | 19M | 14M | 13M | 14M |
| Gross Profit | 16M | 18M | 14M | 13M | 13M |
| Operating Income | 7M | 8M | 5M | 3M | 4M |
| EBITDA | 7M | 8M | 5M | 3M | 4M |
| Net Income | 5M | 5M | 3M | 2M | 3M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$58.07
+0.00% today
1Y Change
+22.74%
Window
Jun 23, 2025 → Jun 12, 2026
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.
Benchmark Comparison
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
Uses the longest available daily history for SMAL and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$13.7M
+4.3% YoY
FY Net Income
$2.8M
+19.6% YoY
Free Cash Flow
$2.9M
-25.7% YoY
Revenue Growth
-15.4%
EPS Growth
-17.4%
Gross Margin
100.0%
Net Margin
28.0%
Income statement
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Revenue | 16M | 19M | 14M | 13M | 14M |
| Gross Profit | 16M | 18M | 14M | 13M | 13M |
| Operating Income | 7M | 8M | 5M | 3M | 4M |
| EBITDA | 7M | 8M | 5M | 3M | 4M |
| Net Income | 5M | 5M | 3M | 2M | 3M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Cash & Equivalents | 60M | 81M | 78M | 47M | 48M |
| Total Assets | 294M | 318M | 361M | 368M | 307M |
| Total Liabilities | 246M | 273M | 320M | 329M | 269M |
| Shareholder Equity | 48M | 45M | 41M | 39M | 37M |
| Total Debt | 1M | 1M | 0 | 0 | 0 |
| Net Debt | -59M | -79M | -78M | -47M | -48M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
3M
-23.6% YoY
Capital Expenditures
239K
-18.2% YoY
Free Cash Flow
3M
-25.7% YoY
Key ratios
Gross Margin
100.0%
Operating Margin
43.4%
Net Margin
28.0%
ROE
9.8%
Debt / Equity
0.02x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.