Summit State Bank
Summit State Bank
Your view on SSBI
Overview
What the company does, where it operates, and who runs it.
About Summit State Bank
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Brian J. Reed
- Headquarters
- 500 Bicentennial Way, Santa Rosa, CA, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Brian J. Reed
- Headquarters
- 500 Bicentennial Way, Santa Rosa, CA, US
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, such as professional, small business packaged, tiered, individual retirement, and other 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 lines of credit, term, and equipment loans, as well as loans to agriculture-related businesses.
In addition, the company provides 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 offers electronic banking, cash management, and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California, Irvine, and Scottsdale, Arizona.
Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for Summit State Bank, and the rating behind it. SSBI last traded at $12.21, 36.0× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for Summit State Bank. Starting points for Summit State Bank: P/E 36.0, EPS $0.33, beta 0.20 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for Summit State Bank. Summit State Bank does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for Summit State Bank. Trailing twelve-month EPS for Summit State Bank stands at $0.33. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for Summit State Bank. Summit State Bank has reported as a listed company since 2006. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
Summit State Bank valued side by side against its closest peers. Summit State Bank is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold Summit State Bank, and how their positions are changing. At a $82.6M market value, institutional positions materially move Summit State Bank's register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by Summit State Bank executives and directors. Shares of Summit State Bank have traded between $6.85 and $12.60 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming Summit State Bank. Summit State Bank is a $82.6M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming Summit State Bank. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for Summit State Bank. Coverage tracks Summit State Bank within Banks - Regional (Financial Services). Press releases and market coverage, newest first.