Summit State Bank Statistics

Total Valuation

SSBI has a market cap or net worth of $67.09 million. The enterprise value is $1.80 million.

Market Cap	67.09M
Enterprise Value	1.80M

Important Dates

The next estimated earnings date is Wednesday, July 30, 2025, after market close.

Earnings Date	Jul 30, 2025
Ex-Dividend Date	Oct 3, 2024

Share Statistics

SSBI has 6.78 million shares outstanding. The number of shares has increased by 0.28% in one year.

Current Share Class	6.78M
Shares Outstanding	6.78M
Shares Change (YoY)	+0.28%
Shares Change (QoQ)	+0.00%
Owned by Insiders (%)	25.74%
Owned by Institutions (%)	19.62%
Float	4.60M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	2.55
Forward PS	n/a
PB Ratio	0.70
P/TBV Ratio	0.70
P/FCF Ratio	37.52
P/OCF Ratio	34.42
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	0.07
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	1.00

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.98
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -3.20%.

Return on Equity (ROE)	-3.20%
Return on Assets (ROA)	-0.29%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$244,642
Profits Per Employee	-$29,189
Employee Count	106
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-235,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +7.55% in the last 52 weeks. The beta is 0.14, so SSBI's price volatility has been lower than the market average.

Beta (5Y)	0.14
52-Week Price Change	+7.55%
50-Day Moving Average	9.41
200-Day Moving Average	8.19
Relative Strength Index (RSI)	59.95
Average Volume (20 Days)	6,755

Short Selling Information

The latest short interest is 10,749, so 0.16% of the outstanding shares have been sold short.

Short Interest	10,749
Short Previous Month	10,855
Short % of Shares Out	0.16%
Short % of Float	0.23%
Short Ratio (days to cover)	1.45

Income Statement

In the last 12 months, SSBI had revenue of $25.93 million and -$3.09 million in losses. Loss per share was -$0.46.

Revenue	25.93M
Gross Profit	25.93M
Operating Income	790,000
Pretax Income	11.51M
Net Income	-3.09M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$0.46

Full Income Statement

Balance Sheet

The company has $72.41 million in cash and $7.12 million in debt, giving a net cash position of $65.29 million or $9.63 per share.

Cash & Cash Equivalents	72.41M
Total Debt	7.12M
Net Cash	65.29M
Net Cash Per Share	$9.63
Equity (Book Value)	95.34M
Book Value Per Share	14.07
Working Capital	-877.36M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.95 million and capital expenditures -$161,000, giving a free cash flow of $1.79 million.

Operating Cash Flow	1.95M
Capital Expenditures	-161,000
Free Cash Flow	1.79M
FCF Per Share	$0.26

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	3.05%
Pretax Margin	-12.84%
Profit Margin	-11.93%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	6.89%

Dividends & Yields

This stock pays an annual dividend of $0.04, which amounts to a dividend yield of 0.40%.

Dividend Per Share	$0.04
Dividend Yield	0.40%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-0.28%
Shareholder Yield	0.13%
Earnings Yield	-4.61%
FCF Yield	2.67%

Dividend Details

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on October 28, 2021. It was a forward split with a ratio of 1.1:1.

Last Split Date	Oct 28, 2021
Split Type	Forward
Split Ratio	1.1:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2