Fairvalue-Calculator Fairvalue-Calculator
EN DE

Summit State Bank (SSBI) Fair Value & Analysis

Financial Services · US · Market cap $91.8M

Price$13.61
Fair Value$13.05
Upside-4.1%
Quality95/100
Evidence: High Range $9.79 – $16.31

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

Summit State Bank (SSBI) currently trades at $13.61, while our model-based Fair Value estimate is $13.05 — implying the stock looks roughly 4.1% 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 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, t…

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +18% PT Bank Central Asia Tbk (BBCA) -1% KB Financial Group (105560) -4% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +66% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +14%

Frequently asked questions

Is Summit State Bank (SSBI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $13.05 versus a price of $13.61 — about −4% (overvalued). Model-based estimate, not financial advice.
What is the fair value of SSBI?
Our 21-model fair value for Summit State Bank is $13.05 (as of Jun 26, 2026), built from audited fundamentals. The current price is $13.61.
What is the quality score of SSBI?
Summit State Bank 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.