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Summit State Bank

SSBI | US

13.70

USD

0.08

0.59%

SSBI | US
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About Summit State Bank

Sector

Financial Services

Industry

Banks - Regional - US

Earnings date

30/06/2024

As of date

14/04/2026

Close

13.70

Open

13.70

High

13.70

Low

13.70

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
20.4
Sharpe
1.57
Luna's Score
64/100
Recommendation
Hold

Luna says (SSBI | US)

What's Working

Low 6-Month Volatility (<30%)

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)

Strong Sharpe Ratio (> 1.2)

What's not Working

Microcap (<300M USD)

Declining Revenue (< 0%)

Volatility Signals

Bearish: Increased Volatility (6-month > 1-month volatility)

Risk Meter

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10 days

20.6%

1 month

20.4%

3 months

25.3%

6 months

26.9%

Returns

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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

92.94M

MarketCap(USD)

92.94M

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: Bullish (SMA10D > SMA1M)

Intermediate-term: Bearish (SMA1M < SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

0.88

Range1M

1.03

Range3M

1.75

Volumes: Market Activity

Volume Averages

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Rel. volume

0.99

Price X volume

59.53K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Bank of the James Financial Group IncBOTJBanks - Regional - US22.12100.50M1.70%6.8231.83%
United Bancorp IncUBCPBanks - Regional - US16.2693.88M2.33%8.30217.95%
First US Bancshares IncFUSBBanks - Regional - US15.8791.17M1.73%8.3229.56%
Lake Shore Bancorp IncLSBKSavings & Cooperative Banks15.689.50M-0.51%18.5926.75%
The Freedom Bank of VirginiaFDVABanks - Regional - US1287.13M30.630.00%
First Northwest BancorpFNWBSavings & Cooperative Banks9.6585.76M-0.21%n/a197.24%
Bank of South Carolina CorporationBKSCBanks - Regional - US15.484.05M0.87%10.5689.54%
Auburn National Bancorporation IncAUBNBanks - Regional - US23.74582.96M0.00%117.220.00%
Pathfinder Bancorp IncPBHCSavings & Cooperative Banks13.5782.78M1.19%13.32169.82%
Consumers Bancorp IncCBKMBanks - Regional - US25.880.59M6.610.00%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment34.4198.82M-0.81%5.1619.82%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.0698.71M3.59%9.0939.79%
Reading International IncRDIBMedia - Diversified9.9578.05M-0.40%n/a4054.78%
ILAGILAGBuilding Products & Equipment3.665.02M1.12%n/a5.48%
Reading International IncRDIMedia - Diversified1.1231.62M4.19%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment0.9113.30M3.42%0.0316.03%
  • 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)25.3432.77Lower Risk
Debt to Equity0.100.66Cheaper
Debt to Assets0.010.08Cheaper
Market Cap92.94M2.81BEmerging
  • 1

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