ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Summit State Bank (California) ?
1
High Profitability with a Net Interest Margin of -0.72%
2
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- PRE-TAX PROFIT(Q) At USD 1.35 MM has Grown at 69.35%
- NET PROFIT(Q) At USD 1.07 MM has Grown at 57.72%
3
With ROA of 0.42%, it has a attractive valuation with a 0.86 Price to Book Value
- Over the past year, while the stock has generated a return of 34.40%, its profits have risen by 687%
4
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -0.93% over the previous quarter and currently hold 4.84% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
5
Market Beating Performance
- The stock has generated a return of 34.40% in the last 1 year, much higher than market (S&P 500) returns of 13.68%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Summit State Bank (California) should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Summit State Bank (California) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Summit State Bank (California)
34.91%
1.26
36.39%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.91%
EBIT Growth (5y)
-13.49%
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
28.88%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.86
EV to EBIT
1.71
EV to EBITDA
1.66
EV to Capital Employed
0.51
EV to Sales
0.25
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
29.68%
ROE (Latest)
6.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
PRE-TAX PROFIT(Q)
At USD 1.35 MM has Grown at 69.35%
NET PROFIT(Q)
At USD 1.07 MM has Grown at 57.72%
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Summit State Bank (California)
Pre-Tax Profit
At USD 1.35 MM has Grown at 69.35%
over average net sales of the previous four periods of USD 0.8 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 1.07 MM has Grown at 57.72%
over average net sales of the previous four periods of USD 0.68 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
CASA
Highest at 11.71%
in the last five periodsMOJO 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 (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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