US · SSBI
Summit State Bank
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Santa Rosa, CA 95403
- Website
- summitstatebank.com
Price · as of 2025-12-31
$13.53
Market cap 87.26M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $201.41 | +1,388.62% |
| Intrinsic Value(DCF) | $14.76 | +9.09% |
| Graham-Dodd Method(GD) | $20.09 | +48.46% |
| Graham Formula(GF) | $3.19 | -76.44% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $2.66 | $21.77 | $11.30 | $5.15 | $3.50 |
| 2012 | $4.40 | $22.09 | $15.47 | $6.53 | $3.79 |
| 2013 | $5.48 | $59.98 | $12.00 | $6.92 | $2.59 |
| 2014 | $6.82 | $61.77 | $16.65 | $8.72 | $8.54 |
| 2015 | $7.08 | $36.41 | $18.50 | $7.23 | $13.07 |
| 2016 | $9.32 | $29.84 | $24.41 | $6.77 | $8.56 |
| 2017 | $9.85 | $69.37 | $17.47 | $4.64 | $5.08 |
| 2018 | $9.36 | $34.54 | $56.13 | $6.42 | $27.49 |
| 2019 | $8.53 | $64.08 | $26.56 | $7.78 | $23.11 |
| 2020 | $13.05 | $192.99 | $86.62 | $12.04 | $50.47 |
| 2021 | $14.82 | $53.16 | $64.60 | $16.29 | $48.20 |
| 2022 | $14.59 | $49.02 | $85.44 | $18.08 | $71.60 |
| 2023 | $10.85 | $220.52 | $197.76 | $14.77 | $37.57 |
| 2024 | $8.73 | $626.94 | $31.27 | $6.30 | $0.00 |
| 2025 | $12.86 | $201.41 | $16.71 | $20.09 | $3.19 |
AI valuation
Our deep-learning model estimates Summit State Bank's (SSBI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $201.41
- Current price
- $13.53
- AI upside
- +1,388.62%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$14.76
+9.09% upside
Graham-Dodd
$20.09
+48.46% upside
Graham Formula
$3.19
-76.44% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SSBI | Summit State Bank | $13.53 | 87.26M | +1,389% | +9% | +48% | -76% | 12.73 | 0.86 | 1.47 | 3.01 | — | 0.86 | 55.78% | 15.24% | 11.55% | 7.05% | 48.92% | 0.66% | 0.06 | 0.38 | 0.11 | 0.11 | -6.65 | -26290.00% | -517.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 16.30% | 3.01 | — | 0.46 | -0.50 |
| BOTJ | Bank of the James Financi… | $19.92 | 90.5M | +1,422% | +296% | +36% | +38% | 9.67 | 1.09 | 1.40 | 1.04 | 70.50 | 1.21 | 77.90% | 23.81% | 14.43% | 12.45% | 48.27% | 0.89% | 0.11 | 1.07 | 0.66 | 0.66 | -6.79 | 1371.00% | 601.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 82.24% | 0.78 | — | 0.18 | 0.18 |
| BYFC | Broadway Financial Corpor… | $7.75 | 71.16M | +1,299% | +158% | +253% | -12% | 33.53 | 0.23 | 1.00 | 60.27 | — | 0.25 | 49.87% | 4.23% | 2.95% | 0.69% | 0.57% | 0.14% | 1.03 | 0.09 | 0.19 | 0.19 | 65.78 | -9216.00% | 2456.00% | -8301.00% | 1.92% | 0.00 | 0.36% | 2.39% | 80.20% | 93.16% | 76.81 | 169.48 | 3.25 | -0.49 |
| CASH | Pathward Financial, Inc. | $90.79 | 2.03B | -43% | +14% | -33% | -9% | 9.31 | 2.03 | 2.54 | 2.43 | 100.03 | 3.17 | 90.02% | 32.55% | 27.13% | 22.00% | -44.35% | 2.54% | 0.05 | 19.23 | 0.22 | 0.22 | -0.28 | 931.00% | 244.00% | 3383.00% | 13.61% | 0.08 | -56.17% | 0.27% | 2.50% | 28.64% | 3.08 | 2.91 | 1.00 | -0.34 |
| FDSB | Fifth District Savings Ba… | $14.92 | 82.4M | +3,813% | +28% | +57% | — | -58.71 | 0.50 | 3.28 | -34.20 | — | 0.50 | 58.47% | -7.45% | -5.59% | -1.06% | -2.61% | -0.21% | 0.00 | -0.16 | 0.10 | 0.10 | 51.10 | -25000.00% | 1093.00% | 4065.00% | -2.47% | 0.00 | -3.79% | 0.00% | 0.00% | 35.72% | -17.67 | -16.23 | 1.32 | -0.46 |
| FNWB | First Northwest Bancorp | $9.27 | 82.98M | +1,628% | -14% | +54% | — | -21.37 | 0.57 | 0.84 | -27.97 | — | 0.58 | 47.27% | -5.47% | -3.91% | -2.69% | -2.73% | -0.19% | 2.17 | -0.12 | 2.26 | 2.26 | -62.90 | -3600.00% | -841.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -24.68 | — | 1.35 | 0.74 |
| FUSB | First US Bancshares, Inc. | $15.28 | 88.12M | +486% | +21% | +26% | +62% | 9.46 | 0.78 | 1.25 | 2.17 | — | 0.85 | 63.24% | 17.39% | 13.21% | 8.64% | -62.72% | 0.75% | 0.21 | 0.49 | 0.08 | 0.08 | -2.11 | 0.00% | 1010.00% | -5121.00% | 7.32% | 0.01 | -43.46% | 1.64% | 15.50% | 3.76% | 2.52 | 4.78 | 0.44 | -0.71 |
| IROQ | IF Bancorp, Inc. | $27.75 | 93M | +122% | +3% | -8% | -32% | 19.19 | 1.01 | 1.71 | 23.03 | 13.67 | 1.03 | 54.72% | 12.23% | 8.90% | 5.53% | 8.66% | 0.48% | 0.89 | 0.26 | 0.00 | 0.01 | 8.08 | 14035.00% | 661.00% | 22019.00% | 7.89% | 0.01 | 13.11% | 1.56% | 29.90% | 17.75% | 25.44 | 23.09 | 3.11 | -0.76 |
| NSTS | NSTS Bancorp, Inc. | $12.25 | 64.18M | +1,566% | +1,034% | +21% | — | -76.88 | 0.79 | 5.04 | -73.60 | — | 0.79 | 72.46% | -6.56% | -6.56% | -1.02% | -1.26% | -0.29% | 0.42 | -0.24 | 0.34 | 0.34 | 46.67 | -7975.00% | 8624.00% | -1082235.00% | 15.03% | 0.06 | 14.58% | 0.00% | 0.00% | 38.94% | -46.27 | 4.01 | 3.03 | -0.05 |
| UBCP | United Bancorp, Inc. | $14.90 | 86.03M | +1,669% | +411% | +34% | +50% | 10.65 | 1.17 | 1.74 | 3.90 | 193.30 | 1.17 | 67.36% | 17.41% | 16.32% | 11.57% | 19.18% | 0.93% | 0.00 | 0.55 | — | — | -5.02 | 551.00% | 799.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 192.65% | 4.36 | — | 0.76 | 0.29 |
About Summit State Bank
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, such as professional, small business packaged, tiered, individual retirement, and other 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 lines of credit, term, and equipment loans, as well as loans to agriculture-related businesses. In addition, the company provides 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 offers electronic banking, cash management, and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California, Irvine, and Scottsdale, Arizona. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.
- CEO
- Brian J. Reed
- Employees
- 106
- Beta
- 0.18
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($14.76 ÷ $13.53) − 1 = +9.09% (DCF, example).