Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SSBI
HOLDREMOVESummit State Bank · Financial Services · United States · $92M · Avg Vol: $57K/d
Summit State Bank is a small regional bank lacking scale, structural cost advantages, or any alignment with our core global macro themes.
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 |
|---|---|---|---|---|---|
| Revenue | 49.6M | 40.3M | 32.7M | 35.0M | -11.0% |
| EPS | 2.54 | 1.62 | -0.62 | 1.01 | -26.5% |
| Shares | 6.7M | 6.8M | 6.8M | 6.8M | +0.6% |
| Debt | 46.9M | 5.9M | 5.9M | 5.9M | -49.8% |
| Equity | 88.5M | 97.7M | 91.7M | 101.2M | 4.5% |
| Op CF | 13.7M | -2.4M | 5.8M | 6.6M | -21.7% |
| 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) | $92M | 38 | HOLD |
| AUBN | Auburn National Bancorporation, Inc. | $87M | 34 | SELL |
| PROV | Provident Financial Holdings, Inc. | $107M | 40 | HOLD |
| BKSC | Bank of South Carolina Corporation | $86M | 41 | HOLD |
| WSBK | Winchester Bancorp, Inc. | $116M | 41 | HOLD |
| UNB | Union Bankshares, Inc. | $109M | 42 | HOLD |
| FSEA | First Seacoast Bancorp, Inc. | $79M | 32 | SELL |
| CPBI | Central Plains Bancshares, Inc. | $78M | 44 | HOLD |
| FUSB | First US Bancshares, Inc. | $92M | 26 | SELL |
| SRBK | SR Bancorp, Inc. | $140M | 41 | HOLD |
Peer medians: ROE 10.7% · P/E 13.5x · Gross margin 0.0%