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Summit State Bank (SSBI) Competitors

Summit State Bank logo
$13.38 +0.18 (+1.36%)
Closing price 07/22/2026 03:54 PM Eastern
Extended Trading
$13.48 +0.10 (+0.73%)
As of 04:02 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

SSBI vs. OVLY, FSBW, UBFO, SFBC, and FNWB

Should you buy Summit State Bank stock or one of its competitors? MarketBeat compares Summit State Bank with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Summit State Bank include Oak Valley Bancorp (OVLY), FS Bancorp (FSBW), United Security Bancshares (UBFO), Sound Financial Bancorp (SFBC), and First Northwest Bancorp (FNWB). These companies are all part of the "banks - west" industry.

How does Summit State Bank compare to Oak Valley Bancorp?

Oak Valley Bancorp (NASDAQ:OVLY) and Summit State Bank (NASDAQ:SSBI) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their analyst recommendations, risk, dividends, media sentiment, profitability, valuation, earnings and institutional ownership.

Oak Valley Bancorp has a beta of 0.21, indicating that its stock price is 79% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.18, indicating that its stock price is 82% less volatile than the broader market.

Oak Valley Bancorp has a net margin of 24.80% compared to Summit State Bank's net margin of 10.18%. Oak Valley Bancorp's return on equity of 11.99% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Oak Valley Bancorp24.80% 11.99% 1.20%
Summit State Bank 10.18%N/A N/A

30.9% of Oak Valley Bancorp shares are held by institutional investors. 13.9% of Oak Valley Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Oak Valley Bancorp
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Oak Valley Bancorp pays an annual dividend of $0.75 per share and has a dividend yield of 2.3%. Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.2%. Oak Valley Bancorp pays out 26.0% of its earnings in the form of a dividend. Summit State Bank pays out 18.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Oak Valley Bancorp has raised its dividend for 11 consecutive years. Oak Valley Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Oak Valley Bancorp has higher revenue and earnings than Summit State Bank. Oak Valley Bancorp is trading at a lower price-to-earnings ratio than Summit State Bank, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Oak Valley Bancorp$95.04M2.91$23.91M$2.8811.43
Summit State Bank$36.31M2.50$6.80M$0.8915.03

In the previous week, Oak Valley Bancorp had 5 more articles in the media than Summit State Bank. MarketBeat recorded 5 mentions for Oak Valley Bancorp and 0 mentions for Summit State Bank. Oak Valley Bancorp's average media sentiment score of 0.98 beat Summit State Bank's score of 0.75 indicating that Oak Valley Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Oak Valley Bancorp Positive
Summit State Bank Positive

Summary

Oak Valley Bancorp beats Summit State Bank on 16 of the 18 factors compared between the two stocks.

How does Summit State Bank compare to FS Bancorp?

FS Bancorp (NASDAQ:FSBW) and Summit State Bank (NASDAQ:SSBI) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, earnings, institutional ownership, analyst recommendations, risk, dividends, media sentiment and valuation.

FS Bancorp currently has a consensus target price of $45.00, indicating a potential upside of 4.65%. Given FS Bancorp's stronger consensus rating and higher probable upside, equities analysts clearly believe FS Bancorp is more favorable than Summit State Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FS Bancorp
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

FS Bancorp has higher revenue and earnings than Summit State Bank. FS Bancorp is trading at a lower price-to-earnings ratio than Summit State Bank, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
FS Bancorp$219.52M1.06$33.35M$4.2910.02
Summit State Bank$36.31M2.50$6.80M$0.8915.03

63.9% of FS Bancorp shares are owned by institutional investors. 12.9% of FS Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

FS Bancorp pays an annual dividend of $1.16 per share and has a dividend yield of 2.7%. Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.2%. FS Bancorp pays out 27.0% of its earnings in the form of a dividend. Summit State Bank pays out 18.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. FS Bancorp has increased its dividend for 12 consecutive years. FS Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

FS Bancorp has a net margin of 14.88% compared to Summit State Bank's net margin of 10.18%. FS Bancorp's return on equity of 10.96% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
FS Bancorp14.88% 10.96% 1.05%
Summit State Bank 10.18%N/A N/A

FS Bancorp has a beta of 0.65, indicating that its share price is 35% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.18, indicating that its share price is 82% less volatile than the broader market.

In the previous week, FS Bancorp had 7 more articles in the media than Summit State Bank. MarketBeat recorded 7 mentions for FS Bancorp and 0 mentions for Summit State Bank. Summit State Bank's average media sentiment score of 0.75 beat FS Bancorp's score of 0.04 indicating that Summit State Bank is being referred to more favorably in the news media.

Company Overall Sentiment
FS Bancorp Neutral
Summit State Bank Positive

Summary

FS Bancorp beats Summit State Bank on 15 of the 19 factors compared between the two stocks.

How does Summit State Bank compare to United Security Bancshares?

United Security Bancshares (NASDAQ:UBFO) and Summit State Bank (NASDAQ:SSBI) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, institutional ownership, analyst recommendations, risk, valuation, media sentiment, dividends and profitability.

United Security Bancshares has higher revenue and earnings than Summit State Bank. United Security Bancshares is trading at a lower price-to-earnings ratio than Summit State Bank, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
United Security Bancshares$53.51M3.39$12.29M$0.7114.80
Summit State Bank$36.31M2.50$6.80M$0.8915.03

In the previous week, Summit State Bank's average media sentiment score of 0.75 beat United Security Bancshares' score of 0.00 indicating that Summit State Bank is being referred to more favorably in the news media.

Company Overall Sentiment
United Security Bancshares Neutral
Summit State Bank Positive

30.9% of United Security Bancshares shares are owned by institutional investors. 22.1% of United Security Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

United Security Bancshares pays an annual dividend of $0.48 per share and has a dividend yield of 4.6%. Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.2%. United Security Bancshares pays out 67.6% of its earnings in the form of a dividend. Summit State Bank pays out 18.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. United Security Bancshares has increased its dividend for 2 consecutive years. United Security Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
United Security Bancshares
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

United Security Bancshares has a beta of 0.34, indicating that its stock price is 66% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.18, indicating that its stock price is 82% less volatile than the broader market.

United Security Bancshares has a net margin of 18.65% compared to Summit State Bank's net margin of 10.18%. United Security Bancshares' return on equity of 9.03% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
United Security Bancshares18.65% 9.03% 1.01%
Summit State Bank 10.18%N/A N/A

Summary

United Security Bancshares beats Summit State Bank on 13 of the 17 factors compared between the two stocks.

How does Summit State Bank compare to Sound Financial Bancorp?

Summit State Bank (NASDAQ:SSBI) and Sound Financial Bancorp (NASDAQ:SFBC) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their media sentiment, institutional ownership, valuation, risk, analyst recommendations, profitability, dividends and earnings.

Sound Financial Bancorp has a net margin of 12.19% compared to Summit State Bank's net margin of 10.18%. Sound Financial Bancorp's return on equity of 6.99% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Summit State Bank10.18% N/A N/A
Sound Financial Bancorp 12.19%6.99%0.70%

68.9% of Sound Financial Bancorp shares are owned by institutional investors. 12.3% of Sound Financial Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

In the previous week, Sound Financial Bancorp had 1 more articles in the media than Summit State Bank. MarketBeat recorded 1 mentions for Sound Financial Bancorp and 0 mentions for Summit State Bank. Summit State Bank's average media sentiment score of 0.75 beat Sound Financial Bancorp's score of 0.00 indicating that Summit State Bank is being referred to more favorably in the media.

Company Overall Sentiment
Summit State Bank Positive
Sound Financial Bancorp Neutral

Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.2%. Sound Financial Bancorp pays an annual dividend of $0.84 per share and has a dividend yield of 1.9%. Summit State Bank pays out 18.0% of its earnings in the form of a dividend. Sound Financial Bancorp pays out 28.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Sound Financial Bancorp has raised its dividend for 2 consecutive years. Sound Financial Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Sound Financial Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Sound Financial Bancorp has higher revenue and earnings than Summit State Bank. Summit State Bank is trading at a lower price-to-earnings ratio than Sound Financial Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Summit State Bank$36.31M2.50$6.80M$0.8915.03
Sound Financial Bancorp$61.52M1.89$7.16M$2.9315.41

Summit State Bank has a beta of 0.18, suggesting that its stock price is 82% less volatile than the broader market. Comparatively, Sound Financial Bancorp has a beta of 0.01, suggesting that its stock price is 99% less volatile than the broader market.

Summary

Sound Financial Bancorp beats Summit State Bank on 12 of the 16 factors compared between the two stocks.

How does Summit State Bank compare to First Northwest Bancorp?

Summit State Bank (NASDAQ:SSBI) and First Northwest Bancorp (NASDAQ:FNWB) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their risk, earnings, valuation, profitability, dividends, institutional ownership, analyst recommendations and media sentiment.

In the previous week, Summit State Bank's average media sentiment score of 0.75 beat First Northwest Bancorp's score of 0.00 indicating that Summit State Bank is being referred to more favorably in the media.

Company Overall Sentiment
Summit State Bank Positive
First Northwest Bancorp Neutral

Summit State Bank has a beta of 0.18, suggesting that its stock price is 82% less volatile than the broader market. Comparatively, First Northwest Bancorp has a beta of 0.64, suggesting that its stock price is 36% less volatile than the broader market.

Summit State Bank has higher earnings, but lower revenue than First Northwest Bancorp. Summit State Bank is trading at a lower price-to-earnings ratio than First Northwest Bancorp, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Summit State Bank$36.31M2.50$6.80M$0.8915.03
First Northwest Bancorp$118.64M0.96-$4.19M$0.5521.89

66.1% of First Northwest Bancorp shares are owned by institutional investors. 4.1% of First Northwest Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

First Northwest Bancorp has a consensus target price of $13.50, suggesting a potential upside of 12.13%. Given First Northwest Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe First Northwest Bancorp is more favorable than Summit State Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
First Northwest Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Summit State Bank has a net margin of 10.18% compared to First Northwest Bancorp's net margin of 4.20%. First Northwest Bancorp's return on equity of 3.14% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Summit State Bank10.18% N/A N/A
First Northwest Bancorp 4.20%3.14%0.23%

Summary

First Northwest Bancorp beats Summit State Bank on 10 of the 15 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding SSBI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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SSBI vs. The Competition

MetricSummit State BankBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$89.45M$2.56B$14.42B$12.68B
Dividend YieldN/A2.96%5.68%9.42%
P/E Ratio15.0312.7020.4523.95
Price / Sales2.503.0445.35115.11
Price / CashN/A12.3819.6560.45
Price / BookN/A1.392.256.16
Net Income$6.80M$182.95M$1.14B$331.73M
7 Day Performance-0.89%-2.79%-0.63%-0.92%
1 Month Performance-4.22%1.55%1.15%-2.23%
1 Year Performance13.58%19.98%11.79%14.79%

Summit State Bank Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SSBI
Summit State Bank
1.4654 of 5 stars
$13.38
+1.4%
N/A+13.9%$89.45M$36.31M15.03112
OVLY
Oak Valley Bancorp
3.4167 of 5 stars
$33.51
+0.7%
N/A+18.0%$280.08M$95.04M11.64200
FSBW
FS Bancorp
3.3016 of 5 stars
$43.47
+0.5%
$46.00
+5.8%
+4.1%$234.23M$219.52M10.13540
UBFO
United Security Bancshares
N/A$10.51
flat
N/AN/A$181.36M$53.51M14.80120
SFBC
Sound Financial Bancorp
1.6522 of 5 stars
$46.72
+0.9%
N/A+0.2%$118.85M$39.64M15.95140

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This page (NASDAQ:SSBI) was last updated on 7/23/2026 by MarketBeat.com Staff.
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