Summit State Bank (SSBI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Summit State Bank stock (SSBI) is currently trading at $13.05. Summit State Bank PS ratio (Price-to-Sales) is 2.73. Analyst consensus price target for SSBI is $7.20. WallStSmart rates SSBI as Hold.
- SSBI PE ratio analysis and historical PE chart
- SSBI PS ratio (Price-to-Sales) history and trend
- SSBI intrinsic value — DCF, Graham Number, EPV models
- SSBI stock price prediction 2025 2026 2027 2028 2029 2030
- SSBI fair value vs current price
- SSBI insider transactions and insider buying
- Is SSBI undervalued or overvalued?
- Summit State Bank financial analysis — revenue, earnings, cash flow
- SSBI Piotroski F-Score and Altman Z-Score
- SSBI analyst price target and Smart Rating
Summit State Bank
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Smart Analysis
Summit State Bank (SSBI) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book, revenue growth, eps growth. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Summit State Bank (SSBI) Key Strengths (4)
Trading below book value, meaning the market prices it less than net assets
Revenue surging 327.60% year-over-year
Earnings per share surging 33.30% year-over-year
Keeps $21 of every $100 in revenue as net profit
Supporting Valuation Data
Summit State Bank (SSBI) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Low institutional interest, mostly retail-driven
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 2.73x sales
Supporting Valuation Data
Summit State Bank (SSBI) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (0.88) suggest the stock is attractively priced. Profitability is solid with Profit Margin at 20.70%. Growth metrics are encouraging with Revenue Growth at 327.60%, EPS Growth at 33.30%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Institutional Own.. Some valuation metrics including Price/Sales (2.73) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 7.05%, Operating Margin at 19.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.05% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 327.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, Revenue Growth) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SSBI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SSBI's Price-to-Sales ratio of 2.73x sits near its historical average of 2.69x (83th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 0% below its historical high of 2.73x set in Mar 2026, and 4% above its historical low of 2.64x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Summit State Bank (SSBI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Summit State Bank is a strong growth company balancing expansion with improving profitability. Revenue reached 33M with 328% growth year-over-year. Profit margins are strong at 20.7%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 328% YoY, reaching 33M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 705.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Summit State Bank maintain 328%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Summit State Bank.
Bottom Line
Summit State Bank offers an attractive blend of growth (328% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Summit State Bank(SSBI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Summit State Bank offers a variety of banking products and services to individuals and businesses primarily in Sonoma County, California. The company is headquartered in Santa Rosa, California.