SSBI Company Profile and Key Details

Q: Who are the executives of SSBI?

Mr. Brian J. ReedPres, Chief Executive Officer & DirectorMs. Patty A. HoaglandDirector of Information ServicesMs. Karen HollowaySenior Vice PresidentMs. Brandy A. Lee SeppiExecutive Vice President & Chief Lending OfficerMs. Genie M. Del SeccoExecutive Vice President & Chief Operating OfficerMs. Camille D. KazarianExecutive Vice President & Chief Financial OfficerMs. Barbara GradmanCorporation Sec.Mr. Wayne HofferSenior Vice PresidentMs. Elaina HuntVice President of Marketing & Community RelationsMr. Michael D. CastlioExecutive Vice President & Chief Credit Officer

NASDAQ : SSBI

Summit State Bank

$12.21

-0.045-0.37%

At Close 4:00 PM

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

Summit State Bank (SSBI) stock declined over -0.37%, trading at $12.21 on NASDAQ, down from the previous close of $12.25. The stock opened at $12.70, fluctuating between $12.04 and $12.70 in the recent session.

Stock Snapshot

12.25

Prev. Close

82.59M

Market Cap

12.041

Day Low

35.9

P/E Ratio

0.34

EPS (TTM)

-0.39

Cash Flow per Share

12.7

Open

6.77M

Number of Shares

12.7

Day High

63.8%

Free Float in %

14.58

Book Value

4.75K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Sep 11, 2026	12.70	12.70	12.04	12.21	4.89K
Sep 10, 2026	12.60	12.65	12.25	12.25	21.84K
Sep 09, 2026	12.87	12.88	12.70	12.70	1.42K
Sep 08, 2026	12.66	12.88	12.60	12.74	5.96K
Sep 04, 2026	12.66	12.66	12.65	12.66	1.32K
Sep 03, 2026	12.65	12.66	12.65	12.66	409
Sep 02, 2026	12.81	12.81	12.65	12.65	15.32K
Sep 01, 2026	12.89	12.89	12.81	12.81	241.7
Aug 31, 2026	12.81	12.86	12.81	12.86	712
Aug 28, 2026	12.82	12.90	12.81	12.81	209.62
Aug 27, 2026	12.91	12.91	12.81	12.82	0
Aug 26, 2026	12.86	12.87	12.80	12.87	2.51K
Aug 25, 2026	12.83	12.90	12.83	12.90	646
Aug 24, 2026	12.80	12.80	12.80	12.80	450
Aug 21, 2026	12.93	12.93	12.86	12.86	209.09
Aug 20, 2026	12.74	12.83	12.66	12.67	0
Aug 19, 2026	12.92	12.92	12.79	12.79	1.32K
Aug 18, 2026	13.00	13.15	12.92	12.92	10.17K
Aug 17, 2026	12.92	12.92	12.92	12.92	3.53K
Aug 14, 2026	12.92	12.92	12.92	12.92	1.26K

Contact Details

Santa Rosa, CA 95403

United States

https://summitstatebank.com 707 568 6000

About Company

Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and term and equipment loans, as well as loans to agriculture-related businesses. In addition, the company offers Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it provides electronic banking, cash management, and electronic bill payment services. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.

Stock Peers

FCNCA

7.57+0.35%

First Citizens BancShares, Inc.$2,173.00 HIFS

4.1+1.33%

Hingham Institution for Savings$312.49 CATC

Cambridge Bancorp$220.00 BPOP

-0.25-0.15%

Popular, Inc.$163.71 BFC

-0.83-0.53%

Bank First Corporation$154.41 WTFC

1.41+0.94%

Wintrust Financial Corporation$152.16 CHCO

0.31+0.22%

City Holding Company$143.96 UMBF

0.12+0.09%

UMB Financial Corporation$139.49 BOKF

0.48+0.35%

BOK Financial Corporation$135.69 NBN

1.42+1.08%

Northeast Bank$132.64

Company Overview

Summit State Bank (NASDAQ:SSBI) closed at $12.21 USD, losing -$0.04 (-0.37%) from the previous close of $12.25. The stock is currently mid-range between its 52-week high and low $10.35 and $14.00. With a market capitalization of about $82.59 million, Summit State Bank is classified as a micro-cap and shows lower-than-market volatility (beta ~0.20). Key stats such as the average daily volume over the past year has been around 5.16 thousand shares, in line with its 52-week average. Headquartered in Santa Rosa, CA, Summit State Bank operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Brian Reed, the company employs approximately 103 people and listed since July 14, 2006. Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California.

Technical Performance

SSBI has shown sold momentum, gaining 7.86% over the past week and 13.69% over the past quarter, though year-to-date performance is up 15.65%. Short-term trend indicators are bearishly aligned (SMA20 -3.1%, SMA50 3.38%, SMA200 15.0%). The stock’s 14-day RSI is 47.19 (neutral), while the ATR of 0.33 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -5.89% below its high and over 75.67% above its low. Average 10-day trading volume of 7.31 thousand shares is slightly above the 3-month average of 5.12 thousand, indicating heightened recent market interest.

Valuation Metrics

Summit State Bank trades at a P/E ratio of 35.97, slightly above the S&P 500 average, with a price-to-sales ratio of 1.42 and a price-to-book ratio of 0.81 suggesting the stock is closer to book value. The P/FCF stands at 4.66, also below market averages.

Dividend & Fair Value

Summit State Bank last paid a dividend of 0 per share, this equals a trailing yield of roughly 6.15%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $12.58. This means the shares are trading near this model’s fair value.

Earnings & Analyst Outlook

Summit State Bank generated EPS of $1.01 over the past year. Five-year average earnings growth is -8.47%.

Shareholding & Insider Activity

Summit State Bank has 6.77 million shares outstanding. The public float is 5.92 million shares, elevated short interest at 0.17% of float. This equals 9.58 thousand shares. The short ratio is 1.69 days. Institutional investors hold 46.89% of the float. Insiders own 32.11%.

Financial & Profitability Overview

Over the trailing twelve months, Summit State Bank generated $65.44M in revenue, or $9.77 per share. Gross margin was 100.00%, operating margin 87.87%, and net profit margin 16.54%. Returns are modest, with ROA at 0.96% and ROE at 11.08%.
On valuation metrics, Summit State Bank trades at a P/E of 35.97, P/S of 1.42 and P/B of 0.81. Debt-to-equity is 0.06, supported by a cash flow-to-debt ratio of 3.01.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, Summit State Bank posted revenue of $65.44M, down slightly from $49.63M in the prior quarter. Gross profit was $65.44M (margin 100.00%). Operating income was $57.50M (margin 87.9%). Net income was$10.82M (EPS $1.62).
The company ended the quarter with - $57.79M in cash and short-term investments, a total debt of $6.91M, and net debt of - $50.88M. Total assets were $1.13B, with equity of $97.68M. Financials further reflected weakness, with operating cash flow of - $2.38M, free cash flow of - $2.62M, and capital expenditures of - $240.00K.

Price Forecast & Outlook

Our AI price prediction model suggests that Summit State Bank stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected decline of -0.98%, with price expected at $12.09 by September 25, 2026, within a range of $11.87 to $12.32 3-Month Outlook: Projected fall of -9.01%, reaching $11.11 by December 10, 2026, with a range of $10.97 to $11.23. 1-Year Outlook: Projected gain of 102.13%, with price at $24.68 by September 10, 2027, within a range of $19.47 to $30.38.

Key Takeaways

Summit State Bank (NASDAQ:SSBI) shares are up 15.65% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Summit State Bank trading at a premium to the broader market with a P/E of 35.97. Analyst sentiment is mixed, with the majority of ratings in Neutral territory and a mean price target of $14.50, suggesting 18.76% upside. Our AI forecast model points to short-term weakness (-0.98% over two weeks), a medium-term fall (-9.01% over three months), and a longer-term gain (102.13% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current Summit State Bank (SSBI) stock price?

Summit State Bank (NASDAQ: SSBI) stock price is $12.21 in the last trading session. During the trading session, SSBI stock reached the peak price of $12.70 while $12.04 was the lowest point it dropped to. The percentage change in SSBI stock occurred in the recent session was -0.37% while the dollar amount for the price change in SSBI stock was - $0.05.

SSBI's industry and sector of operation?

The NASDAQ listed SSBI is part of Banks - Regional industry that operates in the broader Financial Services sector. Summit State Bank designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of SSBI?

Mr. Brian J. Reed
Pres, Chief Executive Officer & Director
Ms. Patty A. Hoagland
Director of Information Services
Ms. Karen Holloway
Senior Vice President
Ms. Brandy A. Lee Seppi
Executive Vice President & Chief Lending Officer
Ms. Genie M. Del Secco
Executive Vice President & Chief Operating Officer
Ms. Camille D. Kazarian
Executive Vice President & Chief Financial Officer
Ms. Barbara Gradman
Corporation Sec.
Mr. Wayne Hoffer
Senior Vice President
Ms. Elaina Hunt
Vice President of Marketing & Community Relations
Mr. Michael D. Castlio
Executive Vice President & Chief Credit Officer

How SSBI did perform over past 52-week?

SSBI's closing price is 17.92% higher than its 52-week low of $10.35 where as its distance from 52-week high of $14.00 is -12.82%.

How many employees does SSBI have?

Number of SSBI employees currently stands at 103.

Link for SSBI official website?

Official Website of SSBI is: https://summitstatebank.com

How do I contact SSBI?

SSBI could be contacted at phone 707 568 6000 and can also be accessed through its website. SSBI operates from 500 Bicentennial Way, Santa Rosa, CA 95403, United States.

How many shares of SSBI are traded daily?

SSBI stock volume for the day was 4.75K shares. The average number of SSBI shares traded daily for last 3 months was 5.16K.

What is the market cap of SSBI currently?

The market value of SSBI currently stands at $82.59M with its latest stock price at $12.21 and 6.77M of its shares outstanding.

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Employees	103
Beta	0.2
Sales or Revenue	$65.44M
5Y Sales Change%	1.325%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

SSBI Company Profile and Key Details

Summit State Bank

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Earnings & Analyst Outlook

Shareholding & Insider Activity

Dividend & Fair Value

Technical Performance

Financial & Profitability Overview

Quarterly Financial Highlights

Company Overview

Key Takeaways

Price Forecast & Outlook

Valuation Metrics