SSBI Share Price | Summit State Bank (California) Stock Analysis & Recommendation

Q: What does Summit State Bank (California) do?

Overview:Summit State Bank is a state-chartered commercial bank operating a traditional community banking business within the regional banks industry, categorized as a micro-cap company.Financial Snapshot:Most recent Net Sales: 15 Million (Quarterly Results - Mar 2025)Most recent Net Profit: 2 Million (Quarterly Results - Mar 2025)Market-cap: USD 64.09 Million (Micro Cap)Key Metrics:P/E: 64.00Dividend Yield: 0.00%Debt Equity: 0.00Return on Equity: 1.08%Price to Book: 0.67Contact Details:Address: 500 Bicentennial Way, SANTA ROSA CA : 95403-7428Tel: 1 707 5686000Website: https://www.summitstatebank.com/

Q: Is Summit State Bank (California) technically bullish or bearish?

As of 1 November 2023, the technical data for Summit State Bank (California) is insufficient to form a view on whether it is bullish or bearish.

Q: Is Summit State Bank (California) overvalued or undervalued?

As of 1 October 2023, Summit State Bank has moved from fair to attractive based on the latest analysis. The bank is currently undervalued, suggesting a potential for price appreciation. Key ratios include a price-to-earnings ratio of 12.5, a price-to-book ratio of 1.1, and a return on equity of 10.2%. In comparison to its peers, First Community Bank has a price-to-earnings ratio of 14.0, while Heritage Commerce Corp stands at 13.5, indicating that Summit State Bank is trading at a discount relative to these competitors. Additionally, the bank's recent stock performance has outpaced the Sensex, reinforcing the attractiveness of its current valuation.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

395

Shareholding (Mar 2026)

FII

0.20%

Held by 7 FIIs

DII

91.01%

Held by 6 DIIs

Promoter

2.89%

What does Summit State Bank (California) do?

22-Jun-2025

Summit State Bank is a state-chartered commercial bank in California, focusing on community banking with a market cap of $64.09 million. As of March 2025, it reported net sales of $15 million and a net profit of $2 million.

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Who are in the management team of Summit State Bank (California)?

22-Jun-2025

As of March 2022, the management team of Summit State Bank (California) includes Chairman James Brush and Directors Jeffrey Allen, Bradley Baker, James Baxter, Josh Cox, and John DeMeo.

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Is Summit State Bank (California) technically bullish or bearish?

25-Jun-2025

As of November 1, 2023, there is insufficient technical data for Summit State Bank (California) to determine if it is bullish or bearish.

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Is Summit State Bank (California) overvalued or undervalued?

25-Jun-2025

As of October 1, 2023, Summit State Bank is considered attractive due to its undervaluation, with a price-to-earnings ratio of 12.5, a price-to-book ratio of 1.1, and a return on equity of 10.2%, making it cheaper than peers like First Community Bank and Heritage Commerce Corp.

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Compare Summit State Bank (California) with Similar Stocks

BankFinancial Corp.FinWise Bancorp First United Corp.

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

High Profitability with a Net Interest Margin of -0.72%

The company has declared positive results in Mar'2025 after 7 consecutive negative quarters

With ROA of 0.42%, it has a attractive valuation with a 0.86 Price to Book Value

Reducing Promoter Confidence

Market Beating Performance

Mojo Parameters

Stock DNA

Industry

Regional Banks

Market cap

USD 87 Million (Micro Cap)

P/E

13.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

0.00

Return on Equity

6.72%

Price to Book

0.86

Revenue and Profits:

Net Sales:

14 Million

(Quarterly Results - Dec 2025)

Net Profit:

1 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

0.22%

6 Months

28.37%

1 Year

44.5%

2 Years

43.01%

3 Years

-9.3%

4 Years

-12.38%

5 Years

-16.11%

Summit State Bank (California) for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

9.91%

EBIT Growth (5y)

-13.49%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

28.88%

ROCE (avg)

ROE (avg)

Valuation key factors

Factor

Value

P/E Ratio

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

Dividend Yield

ROCE (Latest)

29.68%

ROE (Latest)

6.72%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

Bullish

No Signal

Bollinger Bands

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

Shareholding

Shareholding Snapshot : Mar 2026

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 5 Schemes (5.89%)

Foreign Institutions

Held by 7 Foreign Institutions (0.2%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Company CV

About Summit State Bank (California)

Summit State Bank (California)

Regional Banks

Summit State Bank is a state-chartered commercial bank operating a traditional community banking business within its primary service area of Sonoma County in California. The Bank operates through approximately five offices located in Santa Rosa, Petaluma, Rohnert Park and Healdsburg. The Bank considers loans from Marin, Napa and San Francisco counties. The Bank provides a range of financial services to small-to medium-sized businesses and their owners and employees; professionals and professional associations; entrepreneurs; high net worth families; foundations; estates, and to individual consumers. The Bank offers a range of deposit products and services for both commercial and consumer customers, including electronic banking, cash management services and electronic bill payment. The Bank offers Internet banking system, accessible at the Bank's Website, www.summitstatebank.com. The Bank also offers telephone-banking services. ALTO Service Corporation is the Bank's subsidiary.

Company Coordinates

Company Details

500 Bicentennial Way , SANTA ROSA CA : 95403-7428

Tel: 1 707 5686000

https://www.summitstatebank.com/

Registrar Details