Summit State Bank (SSBI) Stock Price, News & Analysis

Company Overview

Summit State Bank (NASDAQ: SSBI) is a California-chartered commercial bank that provides a comprehensive suite of banking and financial services to business and professional clients, as well as individuals. The bank’s core business activities include commercial and industrial lending, commercial real estate financing, business deposit products, treasury management services, and consumer deposit accounts. Through these offerings, Summit State Bank aims to support the growth and operational needs of small- and mid-sized enterprises across its markets.

In addition to its commercial lending solutions, Summit State Bank offers private banking services tailored to high-net-worth individuals, including customized lending, wealth management referrals, and trust services. Its retail banking platform features checking and savings accounts, certificates of deposit, credit cards, residential mortgage products, and home equity lines of credit. Treasury management tools such as wire transfers, ACH origination, online banking, and remote deposit capture further bolster its business clients’ ability to manage cash flow efficiently.

Founded in 2001 and headquartered in Roseville, California, Summit State Bank has grown its footprint to multiple branches serving Northern California communities, including the Sacramento Valley, San Francisco Bay Area, and the Central Valley. As a Nasdaq-listed institution, the bank emphasizes community-oriented banking with a regional focus, aiming to foster local economic development while delivering personalized service.

Summit State Bank’s executive team brings decades of experience in banking, finance, and community development. The leadership group is committed to maintaining strong credit quality, prudent risk management, and responsive customer service as the bank continues to expand its market presence and deepen relationships with businesses and individuals throughout its service area.

Key Stats

• Today's Range: $13.03 to $13.28
• 50-Day Range: $13.11 to $14.00
• 52-Week Range: $10.35 to $14.00
• Volume: 23,422 shs
• Average Volume: 5,132 shs
• Market Capitalization: $88.85 million
• P/E Ratio: 14.73
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: Hold

Summit State Bank Stock Analysis - MarketRank™

Summit State Bank scored higher than 47% of companies evaluated by MarketBeat, and ranked 700th out of 876 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

Summit State Bank has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Summit State Bank has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Summit State Bank is 14.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of Summit State Bank is 14.73, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.66.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.14% of the float of Summit State Bank has been sold short.

Short Interest Ratio / Days to Cover

Summit State Bank has a short interest ratio ("days to cover") of 2.15, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Summit State Bank has recently decreased by 6.53%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.8 / 5
• Dividend Strength: Weak

Dividend Yield

Summit State Bank does not currently pay a dividend.

Dividend Growth

Summit State Bank does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Summit State Bank is 17.98%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 3.7 / 5
• News Sentiment: N/A

News Sentiment

Summit State Bank has a news sentiment score of 1.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.81 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Summit State Bank this week, compared to 0 articles on an average week.

Company Ownership

• Score: N/A
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Summit State Bank insiders have not sold or bought any company stock.

Percentage Held by Institutions

Summit State Bank has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 4/28/2026
• Today: 7/26/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: N/A
• Current Symbol: NASDAQ:SSBI
• CIK: N/A
• Web: www.summitstatebank.com
• Phone: (707) 568-6000
• Fax: 707-568-7090
• Employees: 112
• Year Founded: 1984

Profitability

• EPS (Trailing Twelve Months): $0.89
• Trailing P/E Ratio: 14.73
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $6.80 million
• Net Margins: 10.18%
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $36.31 million
• Price / Sales: 2.45
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: N/A
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 6,777,000
• Free Float: N/A
• Market Cap: $88.85 million
• Optionable: Not Optionable
• Beta: 0.18