Financial Services
Summit State Bank(SSBI)
Live Price
Offline$13.45
+0.00% today
1Y Change
+40.73%
Window
Jun 20, 2025 โ Jun 18, 2026
- Market Cap
- $90.00M
- Revenue Growth
- -5.2%
- EPS Growth
- +262.9%
- Dividend Yield
- 0.0%
Coverage: 251 bars ยท Jun 20, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Summit State Bank (SSBI) is a Financial Services stock with a market cap of $90.00M and listed on NASDAQ. The stock last traded around $13.45 and up 40.7% across the available one-year price window (Jun 20, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of -5.2%, EPS growth of +262.9%, a dividend yield of 0.0%. What stands out right now is revenue -5.2%, EPS +262.9%, free cash flow +16.5% with operating margin 13.9% and ROIC 0.6%. Valuation is more restrained than many high-expectation growth names at P/E 15.2 and price/sales 1.5. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines SSBI 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
-5.2% vs +3.4% peer median
Operating Margin
Above sector median
+13.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 27, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -5.2% and EPS is at +262.9%, with operating margin around 13.9%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.8% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 27, 2026 | โ | -0.1% | -2.8% | -1.2% |
2026 Jan 27, 2026 | โ | +0.3% | -0.5% | -2.8% |
2025 Oct 29, 2025 | โ | -0.7% | +1.0% | +0.0% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SSBI
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
SSBI Max Drawdown
-15.59%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for SSBI and SPY.
Company Overview
Summit State Bank
NASDAQ Global Market
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, such as professional, small business packaged, tiered, individual retirement, and other 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 lines of credit, term, and equipment loans, as well as loans to agriculture-related businesses. In addition, the company provides 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 offers electronic banking, cash management, and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California, Irvine, and Scottsdale, Arizona. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.
- Leadership
- Brian J. Reed
- IPO Date
- Jul 14, 2006
- Employees
- 106
- Street Address
- 500 Bicentennial Way
- Mailing
- Santa Rosa, CA, 95403
- Region
- Santa Rosa, CA, US
- Reporting Currency
- USD
- Investor Line
- 707 568 6000
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 15.2
- EV/EBITDA
- โ
- Price/Sales
- 1.5
- Price/Book
- 0.9
Growth
- Revenue
- -5.2%
- EPS
- +262.9%
- Free Cash Flow
- +16.5%
Profitability
- Gross Margin
- 55.3%
- Operating Margin
- 13.9%
- Net Margin
- 10.2%
- ROE
- 6.0%
- ROIC
- 0.6%
Balance Sheet
- Debt/Equity
- 0.06
- Current Ratio
- โ
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.