Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SSBI
Strong SellSinkerSummit State Bank · Financial Services · United States · $87M · Avg Vol: $50K/d
COMPANY DESCRIPTION
Summit State Bank is a community-oriented regional bank operating primarily in Sonoma County, California, providing commercial lending, deposit, and treasury management services to local businesses and individuals. The bank maintains a strong market position through its high-touch customer service model and deep local relationships, which larger national banks struggle to replicate. Its conservative underwriting standards and focus on relationship banking have established it as a stable financial institution in its regional market.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 49.6M | 40.3M | 32.7M | 35.0M | -11.0% | 27.3M |
| EPS | 2.54 | 1.62 | -0.62 | 1.01 | -26.5% | 0.33 |
| Shares | 6.7M | 6.8M | 6.8M | 6.8M | +0.6% | 6.8M |
| Debt | 46.9M | 5.9M | 5.9M | 5.9M | -49.8% | 7.3M |
| Equity | 88.5M | 97.7M | 91.7M | 101.2M | 4.5% | — |
| Op CF | 13.7M | -2.4M | 5.8M | 6.6M | -21.7% | 18.0M |
| Inv CF | -117.2M | -20.2M | 36.8M | 79.0M | — | — |
| Fin CF | 140.3M | 2.8M | -49.0M | -71.5M | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SSBI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SSBI | Summit State Bank(you) | $87M | 16 | Strong Sell |
| HYNE | Hoyne Bancorp, Inc. | $134M | 17 | Strong Sell |
| FGBI | First Guaranty Bancshares, Inc. | $144M | 16 | Strong Sell |
| FNWB | First Northwest Bancorp | $108M | 23 | Sell |
| RVSB | Riverview Bancorp, Inc. | $103M | 28 | Sell |
| BCBP | BCB Bancorp, Inc. | $156M | 21 | Sell |
| WSBK | Winchester Bancorp, Inc. | $116M | 28 | Sell |
| FINW | FinWise Bancorp | $209M | 16 | Strong Sell |
| CLST | Catalyst Bancorp, Inc. | $71M | 31 | Sell |
| PNBK | Patriot National Bancorp, Inc. | $122M | 2 | Strong Sell |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%