No connection

Search Results

SSBI vs V

SSBI
Summit State Bank
NEUTRAL
Price
$13.73
Market Cap
$93.0M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
SSBI
13.59
V
28.35
Forward P/E
SSBI
--
V
20.79
P/B Ratio
SSBI
0.92
V
15.09
P/S Ratio
SSBI
2.83
V
14.08
EV/EBITDA
SSBI
--
V
20.06

Profitability

Gross Margin
SSBI
0.0%
V
97.78%
Operating Margin
SSBI
19.05%
V
68.3%
Profit Margin
SSBI
20.71%
V
50.23%
ROE
SSBI
7.05%
V
53.95%
ROA
SSBI
0.66%
V
18.36%

Growth

Revenue Growth
SSBI
327.5%
V
14.6%
Earnings Growth
SSBI
--
V
17.4%

Financial Health

Debt/Equity
SSBI
--
V
0.55
Current Ratio
SSBI
--
V
1.11
Quick Ratio
SSBI
--
V
0.72

Dividends

Dividend Yield
SSBI
--
V
0.89%
Payout Ratio
SSBI
0.0%
V
22.91%

AI Verdict

SSBI NEUTRAL

SSBI presents a contradictory profile characterized by a weak Piotroski F-Score of 3/9, indicating poor financial health, and a missing Altman Z-Score. While the stock trades below its Graham Number ($18.43) and Book Value (P/B 0.92), it is significantly overpriced relative to its growth-based Intrinsic Value of $7.07. Massive YoY revenue growth (327.5%) suggests a non-organic event or accounting shift, while a bearish technical trend (10/100) and low ROA (0.66%) signal underlying instability. The valuation is attractive from a defensive standpoint, but the fundamental health is concerning.

Strengths
Trading below book value (P/B 0.92)
Current price is below the Graham Number ($18.43)
Low P/E ratio (13.59) relative to sector average (43.17)
Risks
Weak financial health as indicated by Piotroski F-Score (3/9)
Significant gap between current price ($13.73) and intrinsic value ($7.07)
Extremely low ROA (0.66%) for a regional bank
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

SSBI vs V: Head-to-Head Comparison

This page compares Summit State Bank (SSBI) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI
Markets
Profile