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Summit State Bank (SSBI)

Financial Services | Banks - Regional | Santa Rosa, United States | NasdaqGM
13.54 USD +0.11 (0.782%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★☆☆☆
Hot Take | July 11, 2026, 5:26 a.m. EDT

The immediate outlook remains neutral due to conflicting signals. While the stock recently rallied off its lows, the 45-day statistical forecast leans slightly negative with low confidence, suggesting the recent bounce may lack immediate follow-through. More critically, the company is actively cutting costs by suspending dividends and closing branches, which signals management sees pressure on liquidity or profitability that outweighs the need for shareholder returns. This defensive posture, combined with a trailing twelve-month revenue decline of roughly 3.6%, suggests the business is still in a stabilization phase rather than a growth phase. The price has recovered somewhat from the 2024 trough, but the lack of a sustained multi-year upswing and the active cost-cutting measures prevent a bullish short-term call.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.008644
AutoETS0.011996
AutoARIMA0.011996
MSTL0.012369
MSTL_790.016537
MSTL_970.023073
MSTL_79_970.027749

Forecast horizon: 60 days | Selected: AutoTheta

Forecast Reliability
Score 36%
H-stat 5.00
Ljung-Box p 0.000
Jarque-Bera p 0.001
Excess Kurtosis 1.46
Attribute Value
Sector Financial Services
Ex Dividend Date 2024-10-02
Last Dividend Date 2024-10-02
Revenue per Share 4.821
Market Cap 91,686,464
Trailing P/E 15.21
Beta 0.18
Profit Margins 18.41%
Website https://summitstatebank.com

Dividend Data

Dividend History
Date Dividend Yield %
2024-10-03 0.040000 0.567376
2024-05-15 0.120000 1.333333
2024-02-07 0.120000 1.230769
2023-11-08 0.120000 0.944882
2023-08-09 0.120000 0.696460
2023-05-10 0.120000 0.796813
2023-02-08 0.120000 0.758054
2022-11-09 0.120000 0.779221
2022-08-10 0.120000 0.792079
2022-05-11 0.120000 0.786885
2022-02-09 0.120000 0.727273
2021-11-09 0.120000 0.718563
2021-08-12 0.109091 0.732154
2021-05-13 0.109091 0.745342
2021-02-11 0.109091 0.811909
2020-11-12 0.109091 0.911855
2020-08-13 0.109091 1.171876
2020-05-14 0.109091 1.195220
2020-02-13 0.109091 0.945627
2019-11-14 0.109091 0.963856
2019-08-15 0.109091 1.000001
2019-05-16 0.109091 1.043479
2019-02-15 0.109091 0.981998
2018-11-19 0.109091 0.979593
2018-08-16 0.109091 0.767755
2018-05-17 0.109091 0.784314
2018-02-15 0.109091 0.898877
2017-11-14 0.109091 0.960001
2017-08-15 0.109091 0.960001
2017-05-16 0.109091 0.926642
2017-02-15 0.087273 0.679889
2016-11-14 0.087273 0.883655
2016-08-16 0.087273 0.874001
2016-05-16 0.087273 0.857758
2016-02-16 0.087273 0.900904
2015-11-13 0.087273 0.864556
2015-08-13 0.087273 0.902259
2015-05-14 0.087273 0.903617
2015-02-13 0.087273 0.890871
2014-11-13 0.080000 0.774648
2014-08-13 0.080000 0.846154
2014-05-13 0.080000 0.973451
2014-02-13 0.080000 1.016636
2013-11-13 0.080000 1.098901
2013-08-13 0.080000 1.095618
2013-05-13 0.080000 1.211454
2013-02-13 0.065455 1.005594
2012-11-13 0.065455 1.250009
2012-08-13 0.065455 1.367790
2012-05-11 0.065455 1.417333
2012-02-13 0.065455 1.502515
2011-11-10 0.065455 1.446956
2011-08-09 0.065455 1.428581
2011-05-09 0.065455 1.333343
2011-02-11 0.065455 1.353393
2010-11-08 0.065455 1.475420
2010-08-09 0.065455 1.463425
2010-05-07 0.065455 1.365715
2010-02-09 0.065455 1.775160
2009-11-06 0.065455 1.910841
2009-08-07 0.065455 1.285723
2009-05-08 0.065455 1.492547
2009-02-10 0.065455 1.565228
2008-11-07 0.065455 1.698125
2008-08-08 0.065455 1.404066
2008-05-08 0.065455 1.125008
2008-02-07 0.065455 1.139248
2007-11-08 0.065455 0.976146
2007-08-21 0.065455 0.900006
2007-05-08 0.065455 0.725811
2007-02-07 0.065455 0.691780
2006-11-08 0.065455 0.692313
2006-08-08 0.065455 0.592109
Additional Data
exDividendDate 2024-10-03
trailingAnnualDividendRate 0.0
trailingAnnualDividendYield 0.0
lastDividendValue 0.04
lastDividendDate 2024-10-03
dividendDate 2024-10-10

Info Dump

Attribute Value
52 Week Change 0.13131309
Address1 500 Bicentennial Way
All Time High 20.0
All Time Low 2.996364
Ask 17.53
Ask Size 2
Average Daily Volume10 Day 6,690
Average Daily Volume3 Month 4,591
Average Volume 4,591
Average Volume10Days 6,690
Beta 0.178
Bid 9.77
Bid Size 2
Book Value 15.161
City Santa Rosa
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 13.54
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 13.6005
Day Low 13.54
Dividend Date 1,728,518,400
Earnings Growth -0.328
Earnings Quarterly Growth -0.329
Earnings Timestamp End 1,754,337,600
Earnings Timestamp Start 1,753,819,200
Ebitda Margins 0.0
Enterprise To Revenue -0.504
Enterprise Value -16,376,538
Eps Trailing Twelve Months 0.89
Esg Populated 0
Ex Dividend Date 1,727,913,600
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 707 568 7090
Fifty Day Average 13.5452
Fifty Day Average Change -0.005200386
Fifty Day Average Change Percent -0.00038392833
Fifty Two Week Change Percent 13.131309
Fifty Two Week High 14.0
Fifty Two Week High Change -0.46000004
Fifty Two Week High Change Percent -0.032857146
Fifty Two Week Low 10.35
Fifty Two Week Low Change 3.1899996
Fifty Two Week Low Change Percent 0.30821252
Fifty Two Week Range 10.35 - 14.0
Financial Currency USD
First Trade Date Milliseconds 1,152,883,800,000
Five Year Avg Dividend Yield 3.14
Float Shares 5,915,267
Full Exchange Name NasdaqGM
Full Time Employees 103
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 32,467,000
Has Pre Post Market Data 1
Held Percent Insiders 0.32087
Held Percent Institutions 0.30487
Implied Shares Outstanding 6,771,526
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,727,913,600
Last Dividend Value 0.04
Last Fiscal Year End 1,767,139,200
Last Split Date 1,635,379,200
Last Split Factor 11:10
Long Business Summary 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, including 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 offers 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 provides electronic banking, cash management, and electronic bill payment services. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.
Long Name Summit State Bank
Market us_market
Market Cap 91,686,464
Market State PRE
Max Age 86,400
Message Board Id finmb_1034431
Most Recent Quarter 1,774,915,200
Net Income To Common 5,976,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 92,096,139
Open 13.5789
Operating Cashflow 13,554,000
Operating Margins 0.25225002
Payout Ratio 0.0
Phone 707 568 6000
Previous Close 13.435
Price Hint 2
Price To Book 0.8930809
Price To Sales Trailing12 Months 2.8239894
Profit Margins 0.18406
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.105
Regular Market Change Percent 0.781537
Regular Market Day High 13.6005
Regular Market Day Low 13.54
Regular Market Day Range 13.54 - 13.6005
Regular Market Open 13.5789
Regular Market Previous Close 13.435
Regular Market Price 13.54
Regular Market Time 1,783,972,800
Regular Market Volume 2,021
Return On Assets 0.0058
Return On Equity 0.06036
Revenue Growth -0.036
Revenue Per Share 4.821
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 6,771,526
Shares Percent Shares Out 0.0015
Shares Short 10,247
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 12,497
Short Name Summit State Bank
Short Percent Of Float 0.0018000001
Short Ratio 2.24
Source Interval 15
State CA
Symbol SSBI
Total Cash 115,456,000
Total Cash Per Share 17.05
Total Debt 7,393,000
Total Revenue 32,467,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 0.89
Trailing P E 15.213484
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 12.67775
Two Hundred Day Average Change 0.8622503
Two Hundred Day Average Change Percent 0.068012886
Type Disp Equity
Volume 2,021
Website https://summitstatebank.com
Zip 95,403