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Summit Bancshares, Inc (SMAL) Fair Value & Analysis

Financial Services · US · Market cap $67.6M

Price$58.10
Fair Value$33.79
Upside-41.8%
Quality95/100
Evidence: High Range $25.34 – $42.24

Fair value as of: Jun 26, 2026

Analysis

Summit Bancshares, Inc (SMAL) currently trades at $58.10, while our model-based Fair Value estimate is $33.79 — implying the stock looks roughly 41.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Summit Bancshares, Inc., through its subsidiary, Summit Bank, provides commercial credit and other banking services in California. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial real estate, land development and construction, and commercial and consumer loans, as well as letters of credit. The company offers commercial credits and other banking services to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors, as well as individuals. Summit Bancshares, Inc. was founded in 1982 and is based in Oakland, California.

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Frequently asked questions

Is Summit Bancshares, Inc (SMAL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $33.79 versus a price of $58.10 — about −42% (overvalued). Model-based estimate, not financial advice.
What is the fair value of SMAL?
Our 21-model fair value for Summit Bancshares, Inc is $33.79 (as of Jun 26, 2026), built from audited fundamentals. The current price is $58.10.
What is the quality score of SMAL?
Summit Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.