Summit State Bank exhibits a defensive posture characterized by a fortress-like balance sheet, yet its growth remains constrained by extreme geographic concentration in Sonoma County. While net interest income has recovered to $9.0M as of 2026Q1, the instituti...
Price trend, volume and key moving averages
Trailing total returns as of 10/3/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Jul 28, 2026 | -$0.19 vs — | $15M vs — |
Q2 2026 Apr 28, 2026 | $0.25 vs — | $15M vs — |
Q1 2026 Jan 27, 2026 | $0.16 vs — | $13M vs — |
Q4 2025 Oct 29, 2025 | $0.12 vs — | $15M vs — |
SANTA ROSA, Calif., July 28, 2026 (GLOBE NEWSWIRE) -- Summit State Bank (the “Bank”) (Nasdaq: SSBI) today reported a net loss of $1,307,000, or $0.19 loss per diluted share for the second quarter ended June 30, 2026, compared to net income of $2,417,000, or $0.36 per diluted share for the second quarter ended June 30, 2025.
Benchmark SSBI against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Summit State Bank (SSBI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $12.19 | $82.45M | 12.06 | 7.93% | 11.55% | 7.05% | — | |
| $21.30 | $205.42M | 14.59 | -9.39% | 14.64% | 6.77% | — | |
| $55.48 | $528.13M | 12.33 | -1.1% | 31.77% | 18.18% | — | |
| $31.67 | $942.7M | 12.62 | 15.63% | 23.16% | 11.2% | — | |
| $40.45 | $658.85M | 11.90 | 29.95% | 19.26% | 13.85% | — | |
| $30.80 | $2.28B | 11.71 | 0.42% | 18.26% | 8.36% | — |
Summit State Bank (SSBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Summit State Bank (SSBI) stock FAQ — growth, dividends, profitability & financials explained
Summit State Bank (SSBI) grew revenue by 7.9% over the past year. This is steady growth.
Yes, Summit State Bank (SSBI) is profitable, generating $6.0M in net income for fiscal year 2025 (11.6% net margin).
Summit State Bank (SSBI) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.
Summit State Bank (SSBI) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
Summit State Bank (SSBI) has an efficiency ratio of 40.5%. This is excellent, indicating strong cost control.
