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Summit State Bank

SSBI | US

7.87

USD

-0.28

-3.44%

SSBI | US

About Summit State Bank

Sector

Financial Services

Industry

Banks - Regional - US

Earnings date

30/06/2024

As of date

21/10/2024

Close

7.87

Open

7.95

High

8.36

Low

7.71

Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County California. It offers personal and business checking money market sweep savings and demand accounts; time certificates of deposit; and specialized deposit accounts such as professional small business packaged tiered and retirement plan accounts. The company also provides loans including commercial loans and leases; lines of credit; commercial real estate small business administration residential mortgage and construction loans; home equity lines of credit; and term and equipment loans as well as loans to agriculture-related businesses. In addition the company provides Internet and telephone banking; and other services such as banking by appointment online banking direct payroll and social security deposits letters of credit access to national automated teller machine networks courier safe deposit boxes night depository facilities notary travelers checks lockbox and banking by mail. Further it offers electronic banking cash management and electronic bill payment services. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa California.

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SSBI | US

Risk
86.2
Sharpe
-1.04
Luna's Score
51/100
Recommendation
Hold

Luna says (SSBI | US)

What's Working

Low Market Beta (-0.4 to 0.8)

Low Debt to Equity (< 0.25)

Low Debt to Asset (< 0.2)

Value Stock (Price to Book < 3)

What's not Working

Microcap (<300M USD)

Declining Revenue (< 0%)

Weak Sharpe Ratio (< 0.3)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

10 days

42.5%

1 month

86.2%

3 months

63.7%

6 months

55.1%

Returns

Fundamental Ratios

PE

8.96

Fwd. PE

-

Price to book

0.56

Debt to equity

0.10

Debt to assets

0.01

Ent. to EBITDA

-

Ent. to rev.

1.93

PEG

-

Other Fundamentals

EBITDA

-

MarketCap

53.39M

MarketCap(USD)

53.39M

Div. yield

1.97

Op. margin

16.23

Erngs. growth

-69.00

Rev. growth

-28.60

Ret. on equity

6.28

Short ratio

1.71

Short perc.

0.33

Market Sentiment (SMA and Price signals)

Short-term: Bearish (SMA10D < SMA1M)

Intermediate-term: Bearish (SMA1M < SMA3M)

Long-term: Bearish (SMA6M < SMA12M)

SMAs: Stock Price Trends

Range10D

2.25

Range1M

3.16

Range3M

5.17

Volumes: Market Activity

Rel. volume

0.24

Price X volume

45.28K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Consumers Bancorp IncCBKMBanks - Regional - US18.7558.57M2.74%6.610.00%
Bank of the James Financial Group IncBOTJBanks - Regional - US12.7758.02M0.16%6.8231.83%
1895 Bancorp of Wisconsin IncBCOWBanks - Regional - US10.1256.23M0.30%n/a104.87%
Citizens Holding CompanyCIZNBanks - Regional - US8.950.92M1.71%26.9142.08%
AmeriServ Financial IncASRVBanks - Regional - US3.019549.88M0.99%n/a112.52%
OptimumBank Holdings IncOPHCBanks - Regional - US4.5443.94M0.67%3.7954.18%
Highlands Bankshares IncHBSIBanks - Regional - US30.6741.00M0.56%12.3025.69%
Knightscope Inc. Class A Common StockKSCPSecurity & Protection Services13.2540.50M19.37%n/a47.43%
Home Federal Bancorp Inc. of LouisianaHFBLSavings & Cooperative Banks12.6639.65M-0.39%10.8613.26%
Sturgis Bancorp IncSTBIBanks - Regional - US17.437.49M0.58%17.650.00%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Reading International IncRDIBMedia - Diversified6.7552.95M-7.02%n/a4054.78%
Reading International IncRDIMedia - Diversified1.645.17M-1.84%n/a4054.78%
ILAGILAGBuilding Products & Equipment118.06M-2.91%n/a5.48%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment0.52637.69M-2.17%0.0316.03%
Cosmos Group Holdings IncCOSGMedia - Diversified0.0001229.30K0.00%n/a-91.95%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA--25.13-
Ent. to Revenue1.9373.69Cheaper
PE Ratio8.9618.44Cheaper
Price to Book0.563,795.44Cheaper
Dividend Yield1.973.11Poor
Std. Deviation (3M)63.7232.77Riskier
Debt to Equity0.100.66Cheaper
Debt to Assets0.010.08Cheaper
Market Cap53.39M2.81BEmerging
  • 1

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