Summit State Bank Key Fundamental Indicators
| SSBI Stock | USD 13.77 0.01 0.07% |
As of the 8th of February, Summit State has the Risk Adjusted Performance of 0.201, semi deviation of 1.05, and Coefficient Of Variation of 410.65. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Summit State Bank, as well as the relationship between them.
Summit State Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 2.9082 | Revenue |
Summit | Select Account or Indicator | Build AI portfolio with Summit Stock |
Summit State Balance Sheet | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Summit State Cash Flow Statement | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Summit Return On Equity Driver Correlations
Understanding the fundamental principles of building solid financial models for Summit State is extremely important. It helps to project a fair market value of Summit Stock properly, considering its historical fundamentals such as Return On Equity. Since Summit State's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Summit State's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Summit State's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will Summit introduce new products? Factors like these will boost the valuation of Summit State. If investors know Summit will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about Summit State listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.333 | Earnings Share (0.21) | Revenue Per Share | Quarterly Revenue Growth 3.276 | Return On Assets |
Summit State Bank's market price often diverges from its book value, the accounting figure shown on Summit's balance sheet. Smart investors calculate Summit State's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Since Summit State's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between Summit State's value and its price as these two are different measures arrived at by different means. Investors typically determine if Summit State is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Summit State's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Summit State 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Summit State's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Summit State.
| 11/10/2025 |
| 02/08/2026 |
If you would invest 0.00 in Summit State on November 10, 2025 and sell it all today you would earn a total of 0.00 from holding Summit State Bank or generate 0.0% return on investment in Summit State over 90 days. Summit State is related to or competes with Bank of the, Fifth District, First Bancshares, United Bancorp, First Northwest, IF Bancorp, and Broadway Financial. Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma Count... More
Summit State Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Summit State's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Summit State Bank upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.6 | |||
| Information Ratio | 0.185 | |||
| Maximum Drawdown | 6.91 | |||
| Value At Risk | (1.98) | |||
| Potential Upside | 3.62 |
Summit State Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Summit State's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Summit State's standard deviation. In reality, there are many statistical measures that can use Summit State historical prices to predict the future Summit State's volatility.| Risk Adjusted Performance | 0.201 | |||
| Jensen Alpha | 0.3838 | |||
| Total Risk Alpha | 0.2117 | |||
| Sortino Ratio | 0.1773 | |||
| Treynor Ratio | (1.41) |
Summit State February 8, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.201 | |||
| Market Risk Adjusted Performance | (1.40) | |||
| Mean Deviation | 1.09 | |||
| Semi Deviation | 1.05 | |||
| Downside Deviation | 1.6 | |||
| Coefficient Of Variation | 410.65 | |||
| Standard Deviation | 1.53 | |||
| Variance | 2.35 | |||
| Information Ratio | 0.185 | |||
| Jensen Alpha | 0.3838 | |||
| Total Risk Alpha | 0.2117 | |||
| Sortino Ratio | 0.1773 | |||
| Treynor Ratio | (1.41) | |||
| Maximum Drawdown | 6.91 | |||
| Value At Risk | (1.98) | |||
| Potential Upside | 3.62 | |||
| Downside Variance | 2.56 | |||
| Semi Variance | 1.1 | |||
| Expected Short fall | (1.18) | |||
| Skewness | 0.0666 | |||
| Kurtosis | 0.9504 |
Summit State Bank Backtested Returns
Summit State appears to be not too volatile, given 3 months investment horizon. Summit State Bank owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.3, which indicates the firm had a 0.3 % return per unit of risk over the last 3 months. We have found twenty-seven technical indicators for Summit State Bank, which you can use to evaluate the volatility of the company. Please review Summit State's Risk Adjusted Performance of 0.201, semi deviation of 1.05, and Coefficient Of Variation of 410.65 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Summit State holds a performance score of 23. The entity has a beta of -0.26, which indicates not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Summit State are expected to decrease at a much lower rate. During the bear market, Summit State is likely to outperform the market. Please check Summit State's downside variance, and the relationship between the treynor ratio and kurtosis , to make a quick decision on whether Summit State's existing price patterns will revert.
Auto-correlation | 0.79 |
Good predictability
Summit State Bank has good predictability. Overlapping area represents the amount of predictability between Summit State time series from 10th of November 2025 to 25th of December 2025 and 25th of December 2025 to 8th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Summit State Bank price movement. The serial correlation of 0.79 indicates that around 79.0% of current Summit State price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.79 | |
| Spearman Rank Test | 0.89 | |
| Residual Average | 0.0 | |
| Price Variance | 0.71 |
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
| Competition |
Summit Total Stockholder Equity
Total Stockholder Equity |
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Based on the latest financial disclosure, Summit State Bank has a Return On Equity of 0.0705. This is 95.14% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 122.74% lower than that of the firm.
Summit State Bank Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Summit State's current stock value. Our valuation model uses many indicators to compare Summit State value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Summit State competition to find correlations between indicators driving Summit State's intrinsic value. More Info.Summit State Bank is rated fourth in return on equity category among its peers. It is rated fifth in return on asset category among its peers reporting about 0.09 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Summit State Bank is roughly 10.68 . As of now, Summit State's Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Summit State's earnings, one of the primary drivers of an investment's value.Summit Return On Equity Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Summit State's direct or indirect competition against its Return On Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Summit State could also be used in its relative valuation, which is a method of valuing Summit State by comparing valuation metrics of similar companies.Summit State is currently under evaluation in return on equity category among its peers.
Summit Fundamentals
| Return On Equity | 0.0705 | ||||
| Return On Asset | 0.0066 | ||||
| Profit Margin | 0.21 % | ||||
| Operating Margin | 0.19 % | ||||
| Current Valuation | 33.15 M | ||||
| Shares Outstanding | 6.77 M | ||||
| Shares Owned By Insiders | 28.67 % | ||||
| Shares Owned By Institutions | 26.85 % | ||||
| Number Of Shares Shorted | 14.15 K | ||||
| Price To Earning | 8.66 X | ||||
| Price To Book | 0.93 X | ||||
| Price To Sales | 2.84 X | ||||
| Revenue | 58.82 M | ||||
| Gross Profit | 32.81 M | ||||
| EBITDA | 8.96 M | ||||
| Net Income | 6.8 M | ||||
| Cash And Equivalents | 42.82 M | ||||
| Cash Per Share | 6.35 X | ||||
| Total Debt | 5.95 M | ||||
| Book Value Per Share | 15.02 X | ||||
| Cash Flow From Operations | 5.85 M | ||||
| Short Ratio | 2.33 X | ||||
| Earnings Per Share | (0.21) X | ||||
| Target Price | 7.2 | ||||
| Number Of Employees | 106 | ||||
| Beta | 0.18 | ||||
| Market Capitalization | 93.24 M | ||||
| Total Asset | 1 B | ||||
| Retained Earnings | 62.87 M | ||||
| Five Year Return | 3.59 % | ||||
| Net Asset | 1 B | ||||
| Last Dividend Paid | 0.04 |
About Summit State Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Summit State Bank's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Summit State using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Summit State Bank based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Current Deferred Revenue | -6.8 M | -7.1 M | |
| Total Revenue | 58.8 M | 30.8 M | |
| Cost Of Revenue | 26 M | 27.3 M | |
| Stock Based Compensation To Revenue | (0.01) | (0.01) | |
| Sales General And Administrative To Revenue | 0.28 | 0.25 | |
| Revenue Per Share | 8.74 | 9.18 | |
| Ebit Per Revenue | 0.15 | 0.14 |
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Is there potential for Regional Banks market expansion? Will Summit introduce new products? Factors like these will boost the valuation of Summit State. If investors know Summit will grow in the future, the company's valuation will be higher. Understanding fair value requires weighing current performance against future potential. All the valuation information about Summit State listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.333 | Earnings Share (0.21) | Revenue Per Share | Quarterly Revenue Growth 3.276 | Return On Assets |
Summit State Bank's market price often diverges from its book value, the accounting figure shown on Summit's balance sheet. Smart investors calculate Summit State's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Since Summit State's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between Summit State's value and its price as these two are different measures arrived at by different means. Investors typically determine if Summit State is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Summit State's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.