SSBI

NEUTRAL

$13.73 Live

Summit State Bank · NASDAQ

$7.5 52W Range $14.0

SSBI Summit State Bank - Fundamental Analysis

NEUTRAL

Console Chart News

SSBI Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$13.73

52W High

$14.0

52W Low

$7.5

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 20, 2026

Market cap

$92.97M

P/E

13.59

ROE

7.0%

Profit margin

20.7%

Debt/Equity

N/A

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

80%

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.

Key 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)

Strong 1-year price appreciation (+62.1%)

Recent quarterly earnings beats (3/4)

Key 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

Bearish technical trend (10/100) suggesting loss of momentum

Unsustainable YoY revenue growth (327.5%) followed by Q/Q decline

AI Fair Value Estimate

Based on comprehensive analysis

$11.25

-18.1% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

Speculative/Weak

Key drivers: Low Piotroski F-Score, P/B < 1.0, Intrinsic value deficit, Bearish technicals

Confidence

85%

Value

65/100

Ref P/E, PEG, Graham Number

Positives

P/B 0.92
P/E 13.59
Below Graham Number

Watchpoints

Price exceeds intrinsic value by nearly 100%

Future

40/100

Ref Growth rates

Positives

High YoY revenue growth

Watchpoints

Q/Q revenue decline (-12.05%)
Low ROE (7.05%)

Past

30/100

Ref Historical trends

Positives

Recent 1Y price surge

Watchpoints

Stagnant 5Y change (+2.3%)
Inconsistent historical earnings surprises

Health

20/100

Ref Altman Z-Score, Piotroski F-Score

Positives

No standout positives identified.

Watchpoints

Piotroski F-Score 3/9 (Weak)
Low ROA

Dividend

0/100

Ref Yield, Payout

Positives

No standout positives identified.

Watchpoints

No dividend yield
0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$13.73

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for SSBI and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
SSBI Summit State Bank Primary	+2.3%	+7.4%	+62.1%	+15.6%	+4.2%	+0.3%
AUBN Auburn National Bancorporation, Inc. Peer	-20.2%	+29.4%	+20.2%	-5.4%	-0.9%	+8.0%
BMHL Bluemount Holdings Limited Peer	-7.6%	-7.6%	-7.6%	-11.6%	+2.1%	-0.9%
FUSB First US Bancshares, Inc. Peer	+75.7%	+111.4%	+23.6%	+28.1%	+5.5%	+1.6%
IROQ IF Bancorp Inc Peer	+30.7%	+81.2%	+10.9%	+4.7%	-4.2%	-4.3%

SSB

Summit State Bank

Primary

+2.3%

+7.4%

+62.1%

+15.6%

+4.2%

+0.3%

AUB

Auburn National Bancorporation, Inc.

Peer

-20.2%

+29.4%

+20.2%

-5.4%

-0.9%

+8.0%

BMH

Bluemount Holdings Limited

Peer

-7.6%

-11.6%

+2.1%

-0.9%

FUS

First US Bancshares, Inc.

Peer

+75.7%

+111.4%

+23.6%

+28.1%

+5.5%

+1.6%

IRO

IF Bancorp Inc

Peer

+30.7%

+81.2%

+10.9%

+4.7%

-4.2%

-4.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

13.59

N/A

0.92

2.83

1.07

N/A

$92.97M

Profitability

Profit margins and return metrics

Profit Margin 20.71%

Operating Margin 19.05%

Gross Margin N/A

ROE 7.05%

ROA 0.66%

Growth

Revenue and earnings growth rates

Revenue Growth +327.5%

Earnings Growth N/A

Q/Q Revenue Growth -12.05%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$9.67

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.0B

Net Margin

14.8%

Total Assets

$1.0B

Liabilities

$0.9B

Equity

$0.1B

Debt/Equity

8.93x

Operating CF

$0.0B

CapEx

$-0.0B

Free Cash Flow

$0.0B

FCF Yield

99%

Quarterly Earnings History

EPS performance vs analyst estimates

2013-07-29

$0.15

+23.5% surprise

2013-04-29

$0.13

+12.5% surprise

2013-01-28

$0.15

+53.8% surprise

2011-01-27

$0.04

-40.0% surprise

Financial Services Sector Comparison

Comparing SSBI against 551 companies in the Financial Services sector (102 bullish, 225 neutral, 224 bearish)

P/E Ratio

13.59

This Stock

42.93

Sector Avg

-68.3% (Discount)

Return on Equity (ROE)

7.05%

This Stock

-0.56%

Sector Avg

-1367.4% (Below Avg)

Profit Margin

20.71%

This Stock

49.82%

Sector Avg

-58.4% (Weaker)

Revenue Growth

327.5%

This Stock

40.32%

Sector Avg

+712.2% (Fast Growth)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
SSBI Summit State Bank	NEUTRAL	$92.97M	13.59	7.0%	20.7%	$13.73
AUBN Auburn National...	NEUTRAL	$91.69M	12.62	8.2%	22.1%	$26.25	Compare
BMHL Bluemount Holdings Limited	BEARISH	$94.3M	73.9	30.3%	18.9%	$3.69	Compare
FUSB First US Bancshares, Inc.	NEUTRAL	$90.25M	15.65	5.9%	16.2%	$15.65	Compare
IROQ IF Bancorp Inc	NEUTRAL	$88.98M	16.19	6.3%	18.1%	$26.55	Compare

SSBI Summit State Bank

NEUTRAL

Mkt Cap

$93M

P/E

13.6

ROE

7.0%

Price

$13.73

Compare with SSBI

Compare with SSBI

Compare with SSBI

Compare with SSBI

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-13	REYNOLDS DOUGLAS VERNON	Director	Purchase	2,455	$31,915
2026-02-10	KAZARIAN CAMILLE	Chief Financial Officer	Sale	1,000	$13,780
2025-12-11	REYNOLDS DOUGLAS VERNON	Director	Purchase	3,028	$34,558
2025-11-25	WRIGHT JOHN W	Director	Purchase	1,000	$10,800

REYNOLDS DOUGLAS VERNON

Director

Buy

2026-03-13

2,455 shares · $31,915

KAZARIAN CAMILLE

Chief Financial Officer

Sell

2026-02-10

1,000 shares · $13,780

REYNOLDS DOUGLAS VERNON

Director

Buy

2025-12-11

3,028 shares · $34,558

WRIGHT JOHN W

Director

Buy

2025-11-25

1,000 shares · $10,800

Insider transactions can signal confidence or concerns about company prospects

Past News Coverage

Recent headlines mentioning SSBI from our newsroom.

Newest → oldest

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SSBI

SSBI Summit State Bank - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

Past News Coverage

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