ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Summit State Bank (California) ?
1
Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 10.10%
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -1.95% over the previous quarter and currently hold 2.89% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow much should you sell?
- 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?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Summit State Bank (California)
41.33%
2.10
26.76%
S&P 500
20.78%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.91%
EBIT Growth (5y)
-13.95%
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
30.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.88
EV to EBIT
2.01
EV to EBITDA
1.92
EV to Capital Employed
0.58
EV to Sales
0.29
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
28.99%
ROE (Latest)
6.72%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 13.54 MM
NET PROFIT(HY)
Higher at USD 2.74 MM
-4What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 90.04%
NET SALES(Q)
Lowest at USD 14.04 MM
Here's what is working for Summit State Bank (California)
Net Profit
At USD 2.74 MM has Grown at 618.15%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 13.54 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
Higher at USD 2.74 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
CASA
Highest at 12.9%
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 (%)
Here's what is not working for Summit State Bank (California)
Non Performing Loans (%)
Highest at 4.15%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Sales
Lowest at USD 14.04 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Credit Deposit Ratio
Lowest at 90.04%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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