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Summit State Bank (SSBI)

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

Short-term:★★⯪☆☆Long-term:★☆☆☆☆Dividends:★☆☆☆☆
Hot Take | Aug. 22, 2026, 4:54 a.m. EDT

The immediate outlook is flat due to a lack of directional catalysts, though the stock is trading near its 200-day average, suggesting a floor rather than a breakout. However, the long-term investment case is severely compromised by deteriorating fundamentals. Revenue has contracted by more than half year-over-year, operating margins are deeply negative, and the bank recently suspended its dividend again to cut costs, signaling liquidity stress. While the multi-year price chart shows a recovery from a 2024 crash, the underlying business metrics—specifically the collapse in profitability and shrinking top line—indicate a struggling regional lender rather than a turnaround story worthy of capital allocation.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.018361
MSTL0.018541
AutoETS0.018555
AutoTheta0.033622

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 31%
H-stat 29.30
Ljung-Box p 0.000
Jarque-Bera p 0.000
Excess Kurtosis 2.28
Attribute Value
Sector Financial Services
Ex Dividend Date 2024-10-02
Last Dividend Date 2024-10-02
Revenue per Share 4.05
Market Cap 87,086,344
Trailing P/E 39.00
Beta 0.19
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
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 0.08699322
Address1 500 Bicentennial Way
All Time High 20.0
All Time Low 2.996364
Ask 17.21
Ask Size 2
Average Daily Volume10 Day 1,990
Average Daily Volume3 Month 4,740
Average Volume 4,740
Average Volume10Days 1,990
Beta 0.191
Bid 9.56
Bid Size 2
Book Value 14.979
City Santa Rosa
Compensation As Of Epoch Date 1,767,139,200
Country United States
Crypto Tradeable 0
Currency USD
Current Price 12.87
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 12.87
Day Low 12.8
Dividend Date 1,728,518,400
Earnings Timestamp End 1,754,337,600
Earnings Timestamp Start 1,753,819,200
Ebitda Margins 0.0
Enterprise To Revenue -0.674
Enterprise Value -18,385,814
Eps Trailing Twelve Months 0.33
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 13.2322
Fifty Day Average Change -0.36219978
Fifty Day Average Change Percent -0.027372606
Fifty Two Week Change Percent 8.699322
Fifty Two Week High 14.0
Fifty Two Week High Change -1.1300001
Fifty Two Week High Change Percent -0.08071429
Fifty Two Week Low 10.35
Fifty Two Week Low Change 2.5199995
Fifty Two Week Low Change Percent 0.24347821
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 5,891,572
Full Exchange Name NasdaqGM
Full Time Employees 103
Fullday Change 0.0
Fullday Change Percent 0.0
Fullday Price 12.87
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 0.3211
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 87,086,344
Market State CLOSED
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 87,086,347
Open 12.86
Operating Cashflow 17,956,000
Operating Margins -0.44569
Payout Ratio 0.0
Phone 707 568 6000
Previous Close 12.87
Price Hint 2
Price To Book 0.85920286
Price To Sales Trailing12 Months 3.1918466
Profit Margins 0.0825
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.0
Regular Market Change Percent 0.0
Regular Market Day High 12.87
Regular Market Day Low 12.8
Regular Market Day Range 12.8 - 12.87
Regular Market Open 12.86
Regular Market Previous Close 12.87
Regular Market Price 12.87
Regular Market Time 1,787,774,400
Regular Market Volume 228
Return On Assets 0.00226
Return On Equity 0.02257
Revenue Growth -0.543
Revenue Per Share 4.05
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 6,766,616
Shares Percent Shares Out 0.0011
Shares Short 7,661
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 9,578
Short Name Summit State Bank
Short Percent Of Float 0.0014
Short Ratio 1.3
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 39.0
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 12.9226
Two Hundred Day Average Change -0.052599907
Two Hundred Day Average Change Percent -0.004070381
Type Disp Equity
Volume 228
Website https://summitstatebank.com
Zip 95,403