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Summit State Bank (SSBI)

Financial Services | Banks - Regional | Santa Rosa, United States | NasdaqGM
12.14 USD

Short-term:★⯪☆☆☆Long-term:★☆☆☆☆Dividends:★☆☆☆☆
Hot Take ↕ | Oct. 10, 2026, 9:22 a.m. EDT

The immediate outlook is deeply bearish due to a confluence of deteriorating fundamentals and aggressive cost-cutting measures. The bank recently suspended its dividend again to trim costs, signaling severe liquidity or profitability stress, while the latest quarterly earnings report confirmed weak momentum with an EPS of just $0.25. Fundamentally, the business is struggling with a massive 54.3% contraction in revenue growth and negative operating margins, suggesting the core lending or fee-generating engine is broken. Although the stock price has rallied sharply over the last year (a +62% gain), this appears to be a speculative rebound rather than a recovery of business health, especially given the persistent negative operating margins and a trailing P/E of 37 which implies high expectations for a company currently losing money on operations. Technically, the stock is trading below its 50-day and 200-day moving averages, confirming a lack of sustainable upward pressure. For investors, the combination of shrinking top-line revenue, negative operational profitability, and the management team cutting shareholder returns creates a high-risk environment where the current price may not reflect the severity of the underlying operational decay.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.045124
AutoETS0.048119
AutoARIMA0.055114
AutoTheta0.067007

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 45%
H-stat 5.99
Ljung-Box p 0.000
Jarque-Bera p 0.981
Excess Kurtosis -0.12
Attribute Value
Sector Financial Services
Ex Dividend Date 2024-10-02
Last Dividend Date 2024-10-02
Revenue per Share 4.05
Market Cap 82,146,720
Trailing P/E 36.79
Beta 0.35
Profit Margins 8.25%
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
dividendYield 0.0
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 0.026204586
Address1 500 Bicentennial Way
All Time High 20.0
All Time Low 2.996364
Ask 17.21
Ask Size 2
Average Daily Volume10 Day 2,890
Average Daily Volume3 Month 4,679
Average Volume 4,679
Average Volume10Days 2,890
Beta 0.348
Bid 9.56
Bid Size 2
Book Value 15.021
City Santa Rosa
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 12.14
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 12.2817
Day Low 12.14
Dividend Date 1,728,518,400
Dividend Yield 0.0
Earnings Timestamp End 1,754,337,600
Earnings Timestamp Start 1,753,819,200
Ebitda Margins 0.0
Enterprise To Revenue -0.854
Enterprise Value -23,311,708
Eps Trailing Twelve Months 0.33
Esg Populated 0
Ex Dividend Date 1,727,913,600
Exchange NGM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 707 568 7090
Fifty Day Average 12.6668
Fifty Day Average Change -0.5267992
Fifty Day Average Change Percent -0.041588973
Fifty Two Week Change Percent 2.6204586
Fifty Two Week High 14.0
Fifty Two Week High Change -1.8599997
Fifty Two Week High Change Percent -0.13285711
Fifty Two Week Low 10.35
Fifty Two Week Low Change 1.79
Fifty Two Week Low Change Percent 0.17294686
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 1.79
Float Shares 5,891,167
Full Exchange Name NasdaqGM
Full Time Employees 103
Fullday Change 0.0
Fullday Change Percent 0.0
Fullday Price 12.14
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.0
Gross Profits 27,284,000
Has Pre Post Market Data 1
Held Percent Insiders 0.32116002
Held Percent Institutions 0.31833
Implied Shares Outstanding 6,766,616
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 82,146,720
Market State REGULAR
Max Age 86,400
Message Board Id finmb_1034431
Most Recent Quarter 1,782,777,600
Net Income To Common 2,251,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 83,490,568
Open 12.16
Operating Cashflow 17,956,000
Operating Margins -0.44569
Payout Ratio 0.0
Phone 707 568 6000
Previous Close 12.14
Price Hint 2
Price To Book 0.80820185
Price To Sales Trailing12 Months 3.010802
Profit Margins 0.0825
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.0
Regular Market Change Percent 0.0
Regular Market Day High 12.2817
Regular Market Day Low 12.14
Regular Market Day Range 12.14 - 12.2817
Regular Market Open 12.16
Regular Market Previous Close 12.14
Regular Market Price 12.14
Regular Market Time 1,791,921,600
Regular Market Volume 158
Return On Assets 0.00226
Return On Equity 0.02257
Revenue Growth -0.543
Revenue Per Share 4.05
Sand P52 Week Change 0.17004645
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 6,766,616
Shares Percent Shares Out 0.0013
Shares Short 8,466
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 7,972
Short Name Summit State Bank
Short Percent Of Float 0.0015
Short Ratio 1.52
Source Interval 15
State CA
Symbol SSBI
Total Cash 112,553,000
Total Cash Per Share 16.68
Total Debt 7,323,000
Total Revenue 27,284,000
Tradeable 0
Trailing Annual Dividend Rate 0.0
Trailing Annual Dividend Yield 0.0
Trailing Eps 0.33
Trailing P E 36.78788
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 13.15045
Two Hundred Day Average Change -1.0104494
Two Hundred Day Average Change Percent -0.07683763
Type Disp Equity
Volume 158
Website https://summitstatebank.com
Zip 95,403