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Ticker
SSBI

Price
8.15
Stock movement down
-0.37 (-4.34%)
Company name
Summit State Bank
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
55.23M
Ent value
992.43M
Price/Sales
1.02
Price/Book
0.55
Div yield
1.96%
Div growth
1.92%
Growth years
-
FCF payout
91.63%
Trailing P/E
11.39
Forward P/E
-
PEG
-
EPS growth
13.12%
1 year return
-22.75%
3 year return
-21.58%
5 year return
4.60%
10 year return
-1.36%
Last updated: 2025-04-12

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iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.16
Dividend yield1.96%
Payout frequencyQuarterly
Maximum yield6.51%
Average yield3.46%
Minimum yield1.61%
Discount to avg yield-76.39%
Upside potential-43.31%
Yield as % of max yield30.15%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield1.96%
Current yield distribution96.19%
Yield at 100% (Min)1.61%
Yield at 90%2.30%
Yield at 80%2.91%
Yield at 50% (Median)3.15%
Yield at 20%4.44%
Yield at 10%4.99%
Yield at 0% (Max)6.51%

Dividend per share

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Dividend per share data
Years of growth-
CCC status-
Dividend per share0.16
Payout frequencyQuarterly
Ex-div date3 Oct 2024
EPS (TTM)0.72
EPS (1y forward)-
EPS growth (5y)13.12%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
SSBIS&P500
DGR MR-66.67%-13.74%
DGR TTM-16.67%6.60%
DGR 3 years3.23%5.24%
DGR 5 years1.92%5.40%
DGR 10 years4.62%7.07%
DGR 15 years4.12%6.12%
Time since last change announced216 days
EPS growth (5y)13.12%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM55.76%91.63%
Average--
Forward--

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E11.39
Price to OCF16.95
Price to FCF18.72
Price to EBITDA188.49
EV to EBITDA3387.13

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.02
Price to Book0.55
EV to Sales18.29

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iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count6.78M
EPS (TTM)0.72
FCF per share (TTM)0.44

Income statement

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Income statement data
Revenue (TTM)54.25M
Gross profit (TTM)69.62M
Operating income (TTM)40.83M
Net income (TTM)4.85M
EPS (TTM)0.72
EPS (1y forward)-

Margins

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Margins data
Gross margin (TTM)128.34%
Operating margin (TTM)75.26%
Profit margin (TTM)8.94%

Balance Sheet

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Balance Sheet data
Cash80.93M
Net receivables0.00
Total current assets76.20M
Goodwill4.12M
Intangible assets0.00
Property, plant and equipment0.00
Total assets1.12B
Accounts payable0.00
Short/Current long term debt5.93M
Total current liabilities624.18M
Total liabilities1.02B
Shareholder's equity100.66M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)3.26M
Capital expenditures (TTM)308.00K
Free cash flow (TTM)2.95M
Dividends paid (TTM)2.70M

Financial returns

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Financial returns data
Return on Equity4.82%
Return on Assets0.43%
Return on Invested Capital4.55%
Cash Return on Invested Capital2.77%

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open8.50
Daily high8.51
Daily low8.03
Daily Volume38K
All-time high18.05
1y analyst estimate7.20
Beta0.64
EPS (TTM)0.72
Dividend per share0.16
Ex-div date3 Oct 2024
Next earnings date28 Apr 2025

Downside potential

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Downside potential data
SSBIS&P500
Current price drop from All-time high-54.85%-12.89%
Highest price drop-72.37%-56.47%
Date of highest drop2 Dec 20099 Mar 2009
Avg drop from high-30.22%-11.07%
Avg time to new high101 days12 days
Max time to new high2303 days1805 days

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iO Charts is a Seeking Alpha partner

COMPANY DETAILS
SSBI (Summit State Bank) company logo
Marketcap
55.23M
Marketcap category
Small-cap
Description
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.
Employees
115
Investor relations
-
SEC filings
CEO
James E. Brush
Country
USA
City
Santa Rosa
Stock type
Common stock
CCC status
-
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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