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Summit State Bank - Common Stock
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
None of the investors we track reported a position in SSBI.
▼ -28.7% over 5Y.
today you would have $763.48▼ -23.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 4 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Year-end price | $11.63 | $7.65 | $12.30 | $15.80 | |
| P/E | 7.6x | 11.5x | — | 7.6x | 6.2x |
| P/S | 2.1x | 2.3x | 1.6x | 2.1x | 2.1x |
| P/B | 0.8x | 0.8x | 0.6x | 0.9x | 1.2x |
| EPS | $1.01 |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Median P/E of 13.4 among peers in the sector.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| MCAHMountain Crest Acquisition 6 Corp. | $10.04 | — | 1.5x | — | — | $86.96M |
| ANTAAntalpha Platform Holding Co | $3.66 | 14.6x | 0.8x | — | 0.54% | $87.89M |
| ALISCalisa Acquisition Corp | $10.22 | 85.2x | 425.8x | — | 389.68% | $86.13M |
| SRLScully Royalty Ltd. |
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.
Company description provided by Yahoo Finance.
| -$0.62 |
| $1.62 |
| $2.54 |
| Profit margin | 23.15% | 19.42% | -12.81% | 26.87% | 34.19% |
| ROE | 8.90% | 6.72% | -4.57% | 11.08% | 19.16% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
3 methods answered, across 2 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
+24.8% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| $5.84 |
| — |
| 0.4x |
| — |
| -0.67% |
| $88.92M |
| ORIQOrigin Investment Corp I | $10.39 | 43.3x | 86.6x | — | — | $89.61M |
| SIEBSiebert Financial Corp | $2.19 | — | 1.0x | — | -1.25% | $89.66M |