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Summit State Bank SSBI

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Price alert · SSBI

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11.43 USD -0.35 -2.97%

At close · Oct 30

11.43 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
11.43 × 2
Ask
11.60 × 2
11.43 Day range 11.86
10.50 52-week range 14.00
YTD
-1.72%
1 year
+6.13%
Open
11.55
Prev close
11.78
Mkt cap
77.34M
Vol
6.42K
Avg vol
3.91K
EPS
0.33
P/E
34.64
Div yield
2.11%
More statistics
Low
11.43
High
11.86
Forward P/E
0.00
Beta
0.64
Short ratio
1.79
Inst. own
21.78%
Dividend
0.16
Ex-div date
Oct 2, 2024
50-d avg
7.29
200-d avg
8.81
1y target
0.00

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Financial health

Altman Z-Score

0.34 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-2 / 5 overall

  • DCF 3
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 4
  • P/E 1
  • P/B 4

Valuation

P/E 11.5×
FY 2016: 14.5×FY 2017: 23.3×FY 2018: 12.3×FY 2019: 12.2×FY 2020: 7.8×FY 2021: 7.0×FY 2022: 6.2×FY 2023: 7.6×FY 2024: -12.3×FY 2025: 11.5×
FY 2016 5y median 7.0× FY 2025
P/S 1.3×
FY 2016: 3.3×FY 2017: 3.4×FY 2018: 2.6×FY 2019: 2.4×FY 2020: 2.0×FY 2021: 2.2×FY 2022: 1.9×FY 2023: 1.3×FY 2024: 0.8×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/B 0.8×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 1.1×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 0.8×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/FCF 12.0×
FY 2016: 14.4×FY 2017: 19.1×FY 2018: 24.8×FY 2019: 3.4×FY 2020: 22.8×FY 2021: 14.0×FY 2022: 7.8×FY 2023: -31.4×FY 2024: 9.1×FY 2025: 12.0×
FY 2016 5y median 9.1× FY 2025
EV/EBITDA 2.0×
FY 2016: 13.3×FY 2017: 3.7×FY 2018: 12.7×FY 2019: 9.8×FY 2020: 7.2×FY 2021: 5.5×FY 2022: 3.1×FY 2023: 1.9×FY 2024: -1.5×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
EV/Sales 0.3×
FY 2016: 5.3×FY 2017: 1.0×FY 2018: 3.8×FY 2019: 2.8×FY 2020: 2.7×FY 2021: 2.5×FY 2022: 1.3×FY 2023: 0.5×FY 2024: 0.1×FY 2025: 0.3×
FY 2016 5y median 0.5× FY 2025
FCF Yield 8.4%
FY 2016: 6.9%FY 2017: 5.2%FY 2018: 4.0%FY 2019: 29.8%FY 2020: 4.4%FY 2021: 7.1%FY 2022: 12.8%FY 2023: -3.2%FY 2024: 10.9%FY 2025: 8.4%
FY 2016 5y median 8.4% FY 2025

Profitability

Gross Margin 55.8%
FY 2016: 94.4%FY 2017: 88.1%FY 2018: 83.9%FY 2019: 76.2%FY 2020: 79.6%FY 2021: 87.8%FY 2022: 83.8%FY 2023: 61.5%FY 2024: 40.0%FY 2025: 55.8%
FY 2016 5y median 61.5% FY 2025
Operating Margin 15.2%
FY 2016: 38.5%FY 2017: 26.4%FY 2018: 28.9%FY 2019: 27.3%FY 2020: 36.8%FY 2021: 45.0%FY 2022: 42.5%FY 2023: 23.5%FY 2024: -7.1%FY 2025: 15.2%
FY 2016 5y median 23.5% FY 2025
Net Margin 11.6%
FY 2016: 22.7%FY 2017: 14.7%FY 2018: 20.9%FY 2019: 19.9%FY 2020: 25.9%FY 2021: 31.7%FY 2022: 30.2%FY 2023: 16.6%FY 2024: -6.8%FY 2025: 11.6%
FY 2016 5y median 16.6% FY 2025
ROE 6.7%
FY 2016: 8.5%FY 2017: 5.5%FY 2018: 9.5%FY 2019: 9.6%FY 2020: 13.9%FY 2021: 17.4%FY 2022: 19.2%FY 2023: 11.1%FY 2024: -4.6%FY 2025: 6.7%
FY 2016 5y median 11.1% FY 2025
ROIC 0.7%
FY 2016: 4.0%FY 2017: 4.4%FY 2018: 4.9%FY 2019: 5.5%FY 2020: 7.8%FY 2021: 10.4%FY 2022: 12.1%FY 2023: 9.6%FY 2024: -4.0%FY 2025: 0.7%
FY 2016 5y median 9.6% FY 2025
ROA 0.7%
FY 2016: 1.0%FY 2017: 0.5%FY 2018: 0.9%FY 2019: 0.9%FY 2020: 1.2%FY 2021: 1.5%FY 2022: 1.5%FY 2023: 1.0%FY 2024: -0.4%FY 2025: 0.7%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue -5.2%
FY 2016: 3.3%FY 2017: 2.3%FY 2018: 24.3%FY 2019: 16.4%FY 2020: 25.0%FY 2021: 14.4%FY 2022: 21.0%FY 2023: 15.9%FY 2024: -4.7%FY 2025: -5.2%
FY 2016 FY 2025
Operating Income 304.3%
FY 2016: -17.6%FY 2017: -29.9%FY 2018: 35.8%FY 2019: 10.3%FY 2020: 68.3%FY 2021: 39.8%FY 2022: 14.3%FY 2023: -36.0%FY 2024: -128.7%FY 2025: 304.3%
FY 2016 FY 2025
EPS (diluted) 262.9%
FY 2016: -15.7%FY 2017: -34.7%FY 2018: 77.6%FY 2019: 11.5%FY 2020: 61.9%FY 2021: 40.1%FY 2022: 15.5%FY 2023: -36.2%FY 2024: -138.3%FY 2025: 262.9%
FY 2016 FY 2025
Free Cash Flow 16.5%
FY 2016: 12.7%FY 2017: -19.2%FY 2018: -28.8%FY 2019: 715.8%FY 2020: -84.7%FY 2021: 105.5%FY 2022: 83.4%FY 2023: -119.3%FY 2024: 314.5%FY 2025: 16.5%
FY 2016 FY 2025

Financial Health

Current Ratio 171×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 171×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 171×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 171×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.1×
FY 2016: 1.2×FY 2017: 0.3×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -6.4×
FY 2016: 5.1×FY 2017: -8.6×FY 2018: 4.2×FY 2019: 1.4×FY 2020: 1.9×FY 2021: 0.6×FY 2022: -1.3×FY 2023: -3.3×FY 2024: 11.4×FY 2025: -6.4×
FY 2016 5y median -1.3× FY 2025
Interest Coverage 0.4×
FY 2016: 6.8×FY 2017: 2.8×FY 2018: 2.0×FY 2019: 1.3×FY 2020: 2.4×FY 2021: 4.8×FY 2022: 3.7×FY 2023: 0.6×FY 2024: -0.1×FY 2025: 0.4×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 3.2%FY 2017: 3.6%FY 2018: 4.1%FY 2019: 3.7%FY 2020: 3.6%FY 2021: 2.9%FY 2022: 3.1%FY 2023: 3.9%FY 2024: 3.7%FY 2025: 0.0%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 0.0%
FY 2016: 46.4%FY 2017: 83.6%FY 2018: 50.0%FY 2019: 45.0%FY 2020: 27.7%FY 2021: 20.3%FY 2022: 19.0%FY 2023: 30.0%FY 2024: -45.2%FY 2025: 0.0%
FY 2016 5y median 19.0% FY 2025

Annual · latest fiscal year ends 2025-12-31