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Summit State Bank (SSBI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Summit State Bank stock $12.83, price $11.39, upside +12.6%, quality 52 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

SS Summit State Bank logo Some data Nov 2, 2026

Summit State Bank

SSBI · US
Undervalued, in an uptrend

The stock costs 11% less than our calculation considers fair.

Fair value $12.83 · Undervalued
Quality 52/100
Mixed Growth (revenue 5y +7.7 %/yr in USD)
Thin margins · 1.4% net margin (TTM)
Some data
Revenue last quarter 42% below a year ago.
Trails peers (2/9)
Narrow moat 19/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$17.23 $6.14 Fair Value $12.83 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.

How to read this chart

60‑month range $6.14 – $17.23 · fair‑value band $9.62 – $16.04 · the $11.39 price screens below the $12.83 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.

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Company profile

Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California.

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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.

Stock analysis

Summit State Bank (SSBI) currently trades at $11.39, while our model-based Fair Value estimate is $12.83, implying the stock looks roughly 11% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $12.83 per share, and 3 of the 4 models we run sit above the $11.39 price.

Bear case: the Asset-Based group reads lowest at $9.65, and 1 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $9.62 (bear) to $16.04 (bull), the price of $11.39 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Summit State Bank reported revenue of $58.8M in FY2025 versus $46.4M in FY2021, a compound +6.1%/yr. Reported net income was $6.8M in FY2025, compounding −17.5%/yr from FY2021.

Key figures

Market cap $76.9M Micro · P/E ratio 34.5 · P/S ratio 3.99 · EPS (TTM) $0.3300 · Net margin 11.6% · Return on equity 0.3% · Return on assets (EBIT) 1.2% (5-year average) · Operating margin −41.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 19 out of 100 (low confidence).

What moves the price

The share trades about 19% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 13%, SSBI screens cheaper than that median.

Fair Value models

Bear $9.62 Fair Value $12.83 Bull $16.04
Price $11.39 · Upside +12.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.2830 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $11.23 $11.42 $12.27 76
P/E Multiple $9.79 $13.06 $16.32 63
P/B Multiple $9.45 $12.60 $15.76 55
All 4 models by family
Multiples
P/E Multiple $9.79 $13.06 $16.32 63
P/B Multiple $9.45 $12.60 $15.76 55
Asset-Based
NCAV (Graham) $7.20 $9.65 $14.41 54
Economic Profit
Residual Income $11.23 $11.42 $12.27 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 23
How much profit the company makes from its sales and capital
Quality Growth 62
Are margins and returns getting better?
Cashflow 58
Do the profits arrive as real cash?
Financial strength 22
Debt, balance sheet and risk of trouble
Investment 92
Does it invest with discipline instead of growing at any price?
Low Volatility 89
How calm the share price moves, does not count
Price momentum 31
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 28
Distance to the 52-week high, does not count
New shares 79
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 69/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−5.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.7%
Start year 2020 (pandemic). Over 10 years: +10.7% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−8.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−8.5% vs 2.0%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.37% → 15%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +12.6% · Top 25%
Profitability
Return on equity (12 months) 0.3% · Bottom 25%
Return on assets 0.7% · Below median
Net margin (12 months) 1.4% · Bottom 25%
Operating margin (12 months) −41.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −41.6% · Bottom 25%
Balance sheet
Debt / equity 0.06× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 34.5× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)50 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)1 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs SSBI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs SSBI
BNP Paribas SA BNP €91.93 €106.01 +15% vs SSBI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs SSBI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs SSBI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs SSBI
Mizuho Financial Group MFG $9.40 $5.90 −37% vs SSBI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SSBI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs SSBI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs SSBI

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Summit State Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Summit State Bank Fair Value". https://www.fairvalue-calculator.com/stock/SSBI

Frequently asked questions

Is Summit State Bank (SSBI) overvalued or undervalued?
As of Nov 2, 2026, our model estimates a fair value of $12.83 versus a price of $11.39, about +13% upside (undervalued).
What is the fair value of SSBI?
Our model-based fair value for Summit State Bank is $12.83 (as of Nov 2, 2026), built from audited fundamentals. The current price: $11.39.
What is the quality score of SSBI?
Summit State Bank has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Summit State Bank (SSBI)?
Our model-based price target is the fair value of $12.83 (as of Nov 2, 2026) from 4 valuation models. Cautious scenario $9.62, optimistic scenario $16.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Summit State Bank stock forecast for 2026?
Our models put fair value at $12.83, about +13% upside versus a price of $11.39 (undervalued). Cautious scenario $9.62, optimistic scenario $16.04. The calculation is refreshed regularly with new filings.
What is the revenue of Summit State Bank (SSBI)?
Summit State Bank reported trailing-twelve-month revenue of about $24.4M (latest available figure, as of Nov 2, 2026).
What is the intrinsic value of Summit State Bank (SSBI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Summit State Bank it is $12.83 per share (as of Nov 2, 2026), against a price of $11.39. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Summit State Bank stock overvalued or undervalued in 2026?
As of Nov 2, 2026, SSBI trades below its calculated fair value: price $11.39, fair value $12.83, a gap of about +13% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SSBI?
No. The price is what the market pays today ($11.39); the fair value is what the company's own numbers justify ($12.83). For Summit State Bank the two are $1.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is Summit State Bank worth?
The market values Summit State Bank at about $76.9M (market capitalisation, as of Nov 2, 2026). Per share that is $11.39; our models calculate a fair value of $12.83 per share.
What do the bullish and bearish scenarios say about SSBI?
Our models span a range for Summit State Bank: cautious scenario $9.62, base $12.83, optimistic $16.04 per share (as of Nov 2, 2026, price $11.39). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SSBI?
Summit State Bank trades at a price-to-earnings ratio of 34.5 (as of Nov 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.83 is built from several models across several years.
How solid is the balance sheet of Summit State Bank (SSBI)?
Balance-sheet figures for Summit State Bank (as of Nov 2, 2026): return on equity 0.3%, debt of 0.06 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is SSBI from its 52-week high?
Summit State Bank trades at $11.39, about 19% below its 52-week high of $14.00 and 8% above the low of $10.50 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $12.83 is for.
Which stocks are comparable to Summit State Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Summit State Bank stock attractive at the current price?
The data as of Nov 2, 2026: price $11.39, calculated fair value $12.83 (+13%), Quality Score 52/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SSBI calculated?
We run Summit State Bank through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $12.83 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Summit State Bank currently trades 11% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Summit State Bank (SSBI)?
The closing price on Nov 6, 2026 was $11.39. Our model-based fair value is $12.83, about +13% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Summit State Bank right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Summit State Bank (SSBI) come from?
Earnings per share at Summit State Bank grew +5.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.6 %, EBIT margin −8.7 %, tax rate +2.4 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Summit State Bank

How large is the market capitalisation of Summit State Bank (SSBI)?
The market capitalisation of Summit State Bank is $76.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Summit State Bank (SSBI)?
The price-to-sales ratio of Summit State Bank is 3.99 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Summit State Bank (SSBI)?
Earnings per share at Summit State Bank are $0.3300 (price ÷ EPS = P/E 34.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Summit State Bank (SSBI)?
The net margin of Summit State Bank is 11.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Summit State Bank (SSBI)?
The return on equity (ROE) of Summit State Bank is 0.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Summit State Bank (SSBI)?
On an EBIT basis the return on assets of Summit State Bank is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Summit State Bank (SSBI)?
The operating margin of Summit State Bank is −41.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Summit State Bank (SSBI)?
Revenue at Summit State Bank is growing −41.6% versus a year earlier (3y avg +1.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Summit State Bank (SSBI)?
Earnings per share at Summit State Bank are growing −32.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Summit State Bank (SSBI) generate?
The free cash flow of Summit State Bank is $6.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Summit State Bank (SSBI) hold?
Summit State Bank holds more cash than debt, $59.6M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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