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Summit State Bank (California)

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US8662642037
USD
10.95
0.08 (0.74%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
First National Corp. (Virginia)
LINKBANCORP, Inc.
FNCB Bancorp, Inc.
Meridian Corp. (Pennsylvania)
First United Corp.
FinWise Bancorp
Ohio Valley Banc Corp.
Summit State Bank (California)
First Financial Northwest, Inc.
CB Financial Services, Inc.
BankFinancial Corp.
Why is Summit State Bank (California) ?
1
Risky - Market Cap of less than 100 cr
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of 54.10%, its profits have fallen by -87.3%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Summit State Bank (California) for you?

High Risk, Medium Return

Absolute
Risk Adjusted
Volatility
Summit State Bank (California)
42.21%
0.50
43.01%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
12.77%
EBIT Growth (5y)
-20.68%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
29.73%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
64
Industry P/E
Price to Book Value
0.69
EV to EBIT
-13.57
EV to EBITDA
-13.57
EV to Capital Employed
-0.84
EV to Sales
-0.23
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
1.08%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

20What is working for the Company
NET PROFIT(Q)

At USD 2.42 MM has Grown at 843.22%

GROSS NPA (%)

(Q

NII(Q)

Highest at USD 9.23 MM

NET SALES(Q)

Highest at USD 15.23 MM

OPERATING PROFIT(Q)

Highest at USD 3.24 MM

PRE-TAX PROFIT(Q)

Highest at USD 3.24 MM

-6What is not working for the Company
NET PROFIT(9M)

At USD 1.89 MM has Grown at -55.3%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 0%

DIVIDEND PER SHARE(HY)

Lowest at USD 0

Here's what is working for Summit State Bank (California)
Pre-Tax Profit
At USD 3.24 MM has Grown at 1,541.52%
over average net sales of the previous four periods of USD 0.2 MM
MOJO Watch
Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit
At USD 2.42 MM has Grown at 843.22%
over average net sales of the previous four periods of USD 0.26 MM
MOJO Watch
Near term Net Profit trend is very positive

Net Profit (USD MM)

Non Performing Loans (%)
Lowest at 1.08% and Fallen
In each half year in the last four Semi-Annual periods
MOJO Watch
Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

NII
Highest at USD 9.23 MM and Grown
In each period in the last five periods
MOJO Watch
The bank's income from core business is increasing

Net NPA

Net Sales
Highest at USD 15.23 MM
in the last five periods
MOJO Watch
Near term sales trend is positive

Net Sales (USD MM)

Operating Profit
Highest at USD 3.24 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit
Highest at USD 3.24 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

CASA
Highest at 11.2%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Summit State Bank (California)
Dividend per share
Lowest at USD 0
in the last five years
MOJO Watch
Company is distributing lower dividend than previous years

DPS (USD)

Dividend Payout Ratio
Lowest at 0%
in the last five years
MOJO Watch
Company is distributing lower proportion of profits generated as dividend

DPR (%)

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