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Summit State Bank (SSBI) Competitors

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$12.34 +0.07 (+0.53%)
As of 04:00 PM Eastern
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SSBI vs. BCML, CFFI, FSBW, CBNA, and JMSB

Should you buy Summit State Bank stock or one of its competitors? Summit State Bank's main competitors and comparable companies include Bay Commercial Bank (BCML), C&F Financial (CFFI), FS Bancorp (FSBW), Chain Bridge Bancorp (CBNA), and John Marshall Bancorp (JMSB). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Summit State Bank compare to Bay Commercial Bank?

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

Bay Commercial Bank currently has a consensus price target of $34.00, suggesting a potential upside of 9.15%. Given Bay Commercial Bank's stronger consensus rating and higher possible upside, research analysts plainly believe Bay Commercial Bank is more favorable than Summit State Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bay Commercial Bank
0 Sell rating(s)
4 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.40
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Bay Commercial Bank has a net margin of 9.20% compared to Summit State Bank's net margin of 3.87%. Bay Commercial Bank's return on equity of 6.98% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Bay Commercial Bank9.20% 6.98% 0.90%
Summit State Bank 3.87%N/A N/A

Bay Commercial Bank pays an annual dividend of $1.20 per share and has a dividend yield of 3.9%. Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.3%. Bay Commercial Bank pays out 100.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Summit State Bank pays out 47.1% of its earnings in the form of a dividend. Bay Commercial Bank has increased its dividend for 3 consecutive years. Bay Commercial Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Bay Commercial Bank has a beta of 0.32, suggesting that its share price is 68% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.35, suggesting that its share price is 65% less volatile than the broader market.

66.2% of Bay Commercial Bank shares are held by institutional investors. 2.9% of Bay Commercial Bank shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Bay Commercial Bank has higher revenue and earnings than Summit State Bank. Bay Commercial Bank 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
Bay Commercial Bank$141.48M2.40$23.93M$1.2025.96
Summit State Bank$37.09M2.26$6.80M$0.3436.31

In the previous week, Bay Commercial Bank had 1 more articles in the media than Summit State Bank. MarketBeat recorded 3 mentions for Bay Commercial Bank and 2 mentions for Summit State Bank. Summit State Bank's average media sentiment score of 0.89 beat Bay Commercial Bank's score of 0.70 indicating that Summit State Bank is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Bay Commercial Bank
0 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Summit State Bank
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Bay Commercial Bank beats Summit State Bank on 15 of the 19 factors compared between the two stocks.

How does Summit State Bank compare to C&F Financial?

C&F Financial (NASDAQ:CFFI) 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 dividends, risk, media sentiment, valuation, earnings, analyst recommendations, institutional ownership and profitability.

C&F Financial pays an annual dividend of $1.92 per share and has a dividend yield of 1.9%. Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.3%. C&F Financial pays out 21.4% of its earnings in the form of a dividend. Summit State Bank pays out 47.1% 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. C&F Financial has increased its dividend for 1 consecutive years. C&F Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

37.2% of C&F Financial shares are owned by institutional investors. 6.4% of C&F Financial 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.

C&F Financial has a beta of 0.32, meaning that its share price is 68% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.35, meaning that its share price is 65% less volatile than the broader market.

C&F Financial presently has a consensus price target of $115.00, suggesting a potential upside of 12.68%. Given C&F Financial's stronger consensus rating and higher probable upside, equities research analysts clearly believe C&F Financial is more favorable than Summit State Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
C&F Financial
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

C&F Financial has a net margin of 14.91% compared to Summit State Bank's net margin of 3.87%. C&F Financial's return on equity of 10.72% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
C&F Financial14.91% 10.72% 1.02%
Summit State Bank 3.87%N/A N/A

In the previous week, C&F Financial had 2 more articles in the media than Summit State Bank. MarketBeat recorded 4 mentions for C&F Financial and 2 mentions for Summit State Bank. Summit State Bank's average media sentiment score of 0.89 beat C&F Financial's score of 0.70 indicating that Summit State Bank is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
C&F Financial
1 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Summit State Bank
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

C&F Financial has higher revenue and earnings than Summit State Bank. C&F Financial 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
C&F Financial$136.42M2.43$26.83M$8.9611.39
Summit State Bank$37.09M2.26$6.80M$0.3436.31

Summary

C&F Financial beats Summit State Bank on 16 of the 19 factors compared between the two stocks.

How does Summit State Bank compare to FS Bancorp?

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

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

FS Bancorp has a net margin of 14.88% compared to Summit State Bank's net margin of 3.87%. FS Bancorp's return on equity of 10.86% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Summit State Bank3.87% N/A N/A
FS Bancorp 14.88%10.86%1.05%

Summit State Bank has a beta of 0.35, meaning that its share price is 65% less volatile than the broader market. Comparatively, FS Bancorp has a beta of 0.68, meaning that its share price is 32% less volatile than the broader market.

In the previous week, FS Bancorp had 3 more articles in the media than Summit State Bank. MarketBeat recorded 5 mentions for FS Bancorp and 2 mentions for Summit State Bank. FS Bancorp's average media sentiment score of 1.03 beat Summit State Bank's score of 0.89 indicating that FS Bancorp is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Summit State Bank
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
FS Bancorp
1 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.3%. FS Bancorp pays an annual dividend of $1.16 per share and has a dividend yield of 2.6%. Summit State Bank pays out 47.1% of its earnings in the form of a dividend. FS Bancorp pays out 26.7% 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. FS Bancorp has raised 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 consensus price target of $45.00, suggesting a potential upside of 0.33%. Given FS Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe FS 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
FS Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

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
Summit State Bank$37.09M2.26$6.80M$0.3436.31
FS Bancorp$219.52M1.52$33.35M$4.3410.33

Summary

FS Bancorp beats Summit State Bank on 17 of the 19 factors compared between the two stocks.

How does Summit State Bank compare to Chain Bridge Bancorp?

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

In the previous week, Chain Bridge Bancorp and Chain Bridge Bancorp both had 2 articles in the media. Summit State Bank's average media sentiment score of 0.89 beat Chain Bridge Bancorp's score of 0.37 indicating that Summit State Bank is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Chain Bridge Bancorp
0 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
2 Negative mention(s)
0 Very Negative mention(s)
Neutral
Summit State Bank
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Chain Bridge Bancorp has a beta of 0.22, indicating that its stock price is 78% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.35, indicating that its stock price is 65% less volatile than the broader market.

Chain Bridge Bancorp presently has a consensus target price of $47.50, suggesting a potential downside of 2.78%. Given Chain Bridge Bancorp's stronger consensus rating and higher probable upside, equities analysts plainly believe Chain Bridge Bancorp is more favorable than Summit State Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Chain Bridge Bancorp
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Chain Bridge Bancorp has higher revenue and earnings than Summit State Bank. Chain Bridge 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
Chain Bridge Bancorp$65.24M4.91$20.24M$4.0612.03
Summit State Bank$37.09M2.26$6.80M$0.3436.31

Chain Bridge Bancorp has a net margin of 38.64% compared to Summit State Bank's net margin of 3.87%. Chain Bridge Bancorp's return on equity of 15.42% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
Chain Bridge Bancorp38.64% 15.42% 1.44%
Summit State Bank 3.87%N/A N/A

Summary

Chain Bridge Bancorp beats Summit State Bank on 11 of the 14 factors compared between the two stocks.

How does Summit State Bank compare to John Marshall Bancorp?

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

In the previous week, John Marshall Bancorp had 1 more articles in the media than Summit State Bank. MarketBeat recorded 3 mentions for John Marshall Bancorp and 2 mentions for Summit State Bank. Summit State Bank's average media sentiment score of 0.89 beat John Marshall Bancorp's score of 0.36 indicating that Summit State Bank is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
John Marshall Bancorp
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral
Summit State Bank
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

John Marshall Bancorp has a net margin of 20.41% compared to Summit State Bank's net margin of 3.87%. John Marshall Bancorp's return on equity of 9.16% beat Summit State Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
John Marshall Bancorp20.41% 9.16% 1.04%
Summit State Bank 3.87%N/A N/A

John Marshall Bancorp has higher revenue and earnings than Summit State Bank. John Marshall 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
John Marshall Bancorp$115.33M2.80$21.23M$1.7313.24
Summit State Bank$37.09M2.26$6.80M$0.3436.31

John Marshall Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.3%. John Marshall Bancorp pays out 23.1% of its earnings in the form of a dividend. Summit State Bank pays out 47.1% 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. John Marshall Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

John Marshall Bancorp has a beta of 0.58, indicating that its stock price is 42% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.35, indicating that its stock price is 65% less volatile than the broader market.

John Marshall Bancorp presently has a consensus target price of $25.00, suggesting a potential upside of 9.17%. Given John Marshall Bancorp's stronger consensus rating and higher probable upside, equities analysts clearly believe John Marshall Bancorp is more favorable than Summit State Bank.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
John Marshall Bancorp
1 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.75
Summit State Bank
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

39.1% of John Marshall Bancorp shares are held by institutional investors. 12.6% of John Marshall Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

John Marshall Bancorp beats Summit State Bank on 17 of the 19 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$83.22M$22.79B$13.59B$12.94B
Dividend YieldN/A3.16%6.07%27.63%
P/E Ratio36.1224.4122.1817.70
Price / Sales1.428.91489.5976.22
Price / CashN/A14.6843.6451.88
Price / BookN/A1.332.705.85
Net Income$6.80M$2.60B$1.32B$380.67M
7 Day Performance1.02%0.32%-0.48%-4.97%
1 Month Performance-0.28%-2.47%-2.13%-6.95%
1 Year Performance5.06%23.18%10.40%-5.99%

Summit State Bank Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
SSBI
Summit State Bank
1.7942 of 5 stars
$12.35
+0.5%
N/A+5.8%$83.22M$58.82M36.12103
BCML
Bay Commercial Bank
4.3649 of 5 stars
$30.93
+0.4%
$34.00
+9.9%
+8.1%$337.48M$141.48M25.75327
CFFI
C&F Financial
4.0649 of 5 stars
$102.30
+0.3%
$115.00
+12.4%
+48.9%$333.72M$186.13M11.46575
FSBW
FS Bancorp
4.1934 of 5 stars
$44.45
+0.7%
$45.00
+1.2%
+15.9%$330.23M$219.52M10.24585
CBNA
Chain Bridge Bancorp
2.0408 of 5 stars
$49.01
-0.9%
$47.50
-3.1%
+56.3%$322.27M$59.32M12.1092

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This page (NASDAQ:SSBI) was last updated on 10/16/2026 by MarketBeat.com Staff.
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