Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 59M | 62M | 65M | 56M | 46M |
| Gross Profit | 33M | 25M | 40M | 47M | 41M |
| Operating Income | 9M | -4M | 15M | 24M | 21M |
| EBITDA | 9M | -4M | 16M | 24M | 21M |
| Net Income | 7M | -4M | 11M | 17M | 15M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$13.58
+0.00% today
1Y Change
+38.57%
Window
Jun 23, 2025 → Jun 18, 2026
Coverage: 250 bars · Jun 23, 2025 → 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 $13.58 and up 38.6% across the available one-year price window (Jun 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SSBI
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
SSBI Max Drawdown
-15.59%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for SSBI and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$46.4M
-17.3% YoY
FY Net Income
$14.7M
-13.4% YoY
Free Cash Flow
$7.4M
-45.5% YoY
Revenue Growth
-5.2%
EPS Growth
+262.9%
Gross Margin
55.3%
Net Margin
10.2%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 59M | 62M | 65M | 56M | 46M |
| Gross Profit | 33M | 25M | 40M | 47M | 41M |
| Operating Income | 9M | -4M | 15M | 24M | 21M |
| EBITDA | 9M | -4M | 16M | 24M | 21M |
| Net Income | 7M | -4M | 11M | 17M | 15M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 66M | 51M | 58M | 78M | 41M |
| Total Assets | 1.0B | 1.1B | 1.1B | 1.1B | 958M |
| Total Liabilities | 903M | 975M | 1.0B | 1.0B | 874M |
| Shareholder Equity | 101M | 92M | 98M | 89M | 84M |
| Total Debt | 6M | 6M | 6M | 47M | 54M |
| Net Debt | -60M | -45M | -52M | -31M | 14M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
7M
-45.5% YoY
Capital Expenditures
91K
+48.0% YoY
Free Cash Flow
7M
-45.5% YoY
Key ratios
Gross Margin
55.3%
Operating Margin
13.9%
Net Margin
10.2%
ROE
6.0%
Debt / Equity
0.06x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.