Do analysts recommend BCML or SSBI?

Bay Commercial Bank currently has a consensus price target of $34.00, indicating a potential upside of 6.42%. Given Bay Commercial Bank's stronger consensus rating and higher probable 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) 3 Hold rating(s) 0 Buy rating(s) 1 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

Do analysts recommend OVLY or SSBI?

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

Do analysts rate FSBW or SSBI?

FS Bancorp currently has a consensus price target of $46.00, indicating a potential upside of 8.49%. Given FS Bancorp's stronger consensus rating and higher possible 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 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

Which has stronger earnings & valuation, FSBW or SSBI?

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. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio FS Bancorp $219.52M 1.04 $33.35M $4.29 9.88 Summit State Bank $58.82M 1.55 $6.80M $0.89 15.11

Do analysts prefer SSBI or UBFO?

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 United Security Bancshares 0 Sell rating(s) 0 Hold rating(s) 1 Buy rating(s) 0 Strong Buy rating(s) 3.00

Do analysts prefer SFBC or SSBI?

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

Summit State Bank (SSBI) Competitors

$13.44 +0.04 (+0.26%)

Closing price 06/11/2026 03:59 PM Eastern

Extended Trading

$13.46 +0.02 (+0.15%)

As of 06/11/2026 04:10 PM Eastern

Compare

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

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 Bay Commercial Bank (BCML), Oak Valley Bancorp (OVLY), FS Bancorp (FSBW), United Security Bancshares (UBFO), and Sound Financial Bancorp (SFBC). These companies are all part of the "banks - west" 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 stock? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, media sentiment, earnings, analyst recommendations, valuation and profitability.

Bay Commercial Bank has a beta of 0.27, meaning that its share price is 73% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.18, meaning that its share price is 82% 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, endowments and hedge funds believe a company will outperform the market over the long term.

Bay Commercial Bank currently has a consensus price target of $34.00, indicating a potential upside of 6.42%. Given Bay Commercial Bank's stronger consensus rating and higher probable 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)	3 Hold rating(s)	0 Buy rating(s)	1 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

Bay Commercial Bank has a net margin of 18.41% compared to Summit State Bank's net margin of 10.18%. Bay Commercial Bank's return on equity of 7.84% beat Summit State Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bay Commercial Bank	18.41%	7.84%	1.01%
Summit State Bank	10.18%	N/A	N/A

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bay Commercial Bank	$141.48M	2.46	$23.93M	$2.42	13.20
Summit State Bank	$58.82M	1.55	$6.80M	$0.89	15.11

In the previous week, Summit State Bank had 1 more articles in the media than Bay Commercial Bank. MarketBeat recorded 2 mentions for Summit State Bank and 1 mentions for Bay Commercial Bank. Bay Commercial Bank's average media sentiment score of 1.89 beat Summit State Bank's score of 1.31 indicating that Bay Commercial Bank is being referred to more favorably in the media.

Company	Overall Sentiment
Bay Commercial Bank	Very Positive
Summit State Bank	Positive

Summary

Bay Commercial Bank beats Summit State Bank on 14 of the 16 factors compared between the two stocks.

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 better business? We will compare the two companies based on the strength of their risk, valuation, institutional ownership, earnings, analyst recommendations, dividends, profitability and media sentiment.

Oak Valley Bancorp has a beta of 0.21, meaning that its share price is 79% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.18, meaning that its share 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 Bancorp	24.80%	11.99%	1.20%
Summit State Bank	10.18%	N/A	N/A

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Oak Valley Bancorp	$95.04M	3.07	$23.91M	$2.88	12.03
Summit State Bank	$58.82M	1.55	$6.80M	$0.89	15.11

In the previous week, Summit State Bank had 1 more articles in the media than Oak Valley Bancorp. MarketBeat recorded 2 mentions for Summit State Bank and 1 mentions for Oak Valley Bancorp. Summit State Bank's average media sentiment score of 1.31 beat Oak Valley Bancorp's score of 0.96 indicating that Summit State Bank is being referred to more favorably in the news media.

Company	Overall Sentiment
Oak Valley Bancorp	Positive
Summit State Bank	Positive

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

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 endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

Oak Valley Bancorp beats Summit State Bank on 12 of the 15 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 business? We will compare the two businesses based on the strength of their earnings, media sentiment, valuation, profitability, analyst recommendations, institutional ownership, risk and dividends.

In the previous week, Summit State Bank had 1 more articles in the media than FS Bancorp. MarketBeat recorded 2 mentions for Summit State Bank and 1 mentions for FS Bancorp. Summit State Bank's average media sentiment score of 1.31 beat FS Bancorp's score of 0.93 indicating that Summit State Bank is being referred to more favorably in the news media.

Company	Overall Sentiment
FS Bancorp	Positive
Summit State Bank	Positive

FS Bancorp currently has a consensus price target of $46.00, indicating a potential upside of 8.49%. Given FS Bancorp's stronger consensus rating and higher possible 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
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 a beta of 0.66, indicating that its stock price is 34% 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.

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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FS Bancorp	$219.52M	1.04	$33.35M	$4.29	9.88
Summit State Bank	$58.82M	1.55	$6.80M	$0.89	15.11

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 endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

FS Bancorp has a net margin of 14.91% compared to Summit State Bank's net margin of 10.18%. FS Bancorp's return on equity of 10.88% beat Summit State Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
FS Bancorp	14.91%	10.88%	1.04%
Summit State Bank	10.18%	N/A	N/A

Summary

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

How does Summit State Bank compare to United Security Bancshares?

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

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
Summit State Bank	10.18%	N/A	N/A
United Security Bancshares	18.65%	9.03%	1.01%

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

In the previous week, Summit State Bank had 2 more articles in the media than United Security Bancshares. MarketBeat recorded 2 mentions for Summit State Bank and 0 mentions for United Security Bancshares. Summit State Bank's average media sentiment score of 1.31 beat United Security Bancshares' 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
United Security Bancshares	Neutral

30.9% of United Security Bancshares shares are held by institutional investors. 22.1% of United Security Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

United Security Bancshares has lower revenue, but higher 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Summit State Bank	$58.82M	1.55	$6.80M	$0.89	15.11
United Security Bancshares	$53.51M	3.39	$12.29M	$0.71	14.80

Summary

United Security Bancshares beats Summit State Bank on 10 of the 15 factors compared between the two stocks.

How does Summit State Bank compare to Sound Financial Bancorp?

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

68.9% of Sound Financial Bancorp shares are held by institutional investors. 12.3% of Sound Financial 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.

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
Sound Financial Bancorp	12.19%	6.99%	0.70%
Summit State Bank	10.18%	N/A	N/A

Sound Financial Bancorp has a beta of 0.02, suggesting that its stock price is 98% less volatile than the broader market. Comparatively, Summit State Bank has a beta of 0.18, suggesting that its stock price is 82% less volatile than the broader market.

In the previous week, Summit State Bank had 1 more articles in the media than Sound Financial Bancorp. MarketBeat recorded 2 mentions for Summit State Bank and 1 mentions for Sound Financial Bancorp. Sound Financial Bancorp's average media sentiment score of 1.31 equaled Summit State Bank'saverage media sentiment score.

Company	Overall Sentiment
Sound Financial Bancorp	Positive
Summit State Bank	Positive

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sound Financial Bancorp	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
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 has higher revenue and earnings than Summit State Bank. Sound Financial 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sound Financial Bancorp	$61.52M	1.81	$7.16M	$2.93	14.76
Summit State Bank	$58.82M	1.55	$6.80M	$0.89	15.11

Summary

Sound Financial Bancorp beats Summit State Bank on 9 of the 12 factors compared between the two stocks.

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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.

SSBI vs. The Competition

Export

Metric	Summit State Bank	BANKS Industry	Finance Sector	NASDAQ Exchange
Market Cap	$90.87M	$2.38B	$13.54B	$11.73B
Dividend Yield	N/A	3.05%	5.78%	5.56%
P/E Ratio	15.11	12.47	20.05	24.35
Price / Sales	1.55	2.73	133.52	109.68
Price / Cash	N/A	11.76	19.27	54.62
Price / Book	N/A	1.36	2.22	6.82
Net Income	$6.80M	$187.34M	$1.14B	$337.41M
7 Day Performance	0.41%	2.07%	1.04%	2.29%
1 Month Performance	-1.90%	4.70%	1.15%	3.48%
1 Year Performance	35.67%	27.96%	10.96%	27.16%

Summit State Bank Competitors List

Export

Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
SSBI Summit State Bank	1.8203 of 5 stars	$13.45 +0.3%	N/A	+34.3%	$90.87M	$58.82M	15.11	112	Positive News
BCML Bay Commercial Bank	4.3773 of 5 stars	$30.61 -1.9%	$34.00 +11.1%	+16.1%	$340.37M	$141.48M	12.65	370	Positive News
OVLY Oak Valley Bancorp	3.3259 of 5 stars	$32.64 -3.5%	N/A	+31.5%	$284.46M	$95.04M	11.33	200
FSBW FS Bancorp	3.6768 of 5 stars	$38.92 -3.4%	$46.00 +18.2%	+8.7%	$218.04M	$219.52M	9.07	540
UBFO United Security Bancshares	N/A	$10.51 flat	N/A	N/A	$181.36M	$53.51M	14.80	120

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This page (NASDAQ:SSBI) was last updated on 6/12/2026 by MarketBeat.com Staff.

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Summit State Bank (SSBI) Competitors

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

How does Summit State Bank compare to Bay Commercial Bank?

Summary

How does Summit State Bank compare to Oak Valley Bancorp?

Summary

How does Summit State Bank compare to FS Bancorp?

Summary

How does Summit State Bank compare to United Security Bancshares?

Summary

How does Summit State Bank compare to Sound Financial Bancorp?

Summary

Media Sentiment Over Time

SSBI vs. The Competition

Summit State Bank Competitors List

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Summit State Bank (SSBI) Competitors

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

How does Summit State Bank compare to Bay Commercial Bank?

Which has more volatility & risk, BCML or SSBI?

Do insiders and institutionals believe in BCML or SSBI?

Do analysts recommend BCML or SSBI?

Is BCML or SSBI more profitable?

Which has preferable earnings & valuation, BCML or SSBI?

Does the media favor BCML or SSBI?

Summary

How does Summit State Bank compare to Oak Valley Bancorp?

Which has more volatility and risk, OVLY or SSBI?

Is OVLY or SSBI more profitable?

Which has stronger valuation & earnings, OVLY or SSBI?

Does the media favor OVLY or SSBI?

Do analysts recommend OVLY or SSBI?

Do institutionals & insiders believe in OVLY or SSBI?

Summary

How does Summit State Bank compare to FS Bancorp?

Does the media favor FSBW or SSBI?

Do analysts rate FSBW or SSBI?

Which has more risk and volatility, FSBW or SSBI?

Which has stronger earnings & valuation, FSBW or SSBI?

Do institutionals and insiders believe in FSBW or SSBI?

Is FSBW or SSBI more profitable?

Summary

How does Summit State Bank compare to United Security Bancshares?

Is SSBI or UBFO more profitable?

Do analysts prefer SSBI or UBFO?

Which has more risk and volatility, SSBI or UBFO?

Does the media prefer SSBI or UBFO?

Do insiders & institutionals have more ownership in SSBI or UBFO?

Which has better valuation & earnings, SSBI or UBFO?

Summary

How does Summit State Bank compare to Sound Financial Bancorp?

Do institutionals and insiders have more ownership in SFBC or SSBI?

Is SFBC or SSBI more profitable?

Which has more risk & volatility, SFBC or SSBI?

Does the media prefer SFBC or SSBI?

Do analysts prefer SFBC or SSBI?

Which has higher valuation and earnings, SFBC or SSBI?

Summary

Media Sentiment Over Time

SSBI vs. The Competition

Summit State Bank Competitors List

Related Companies and Tools

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools