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Summit State Bank (SSBI) Financial Ratios

23 years of historical data (2003–2025) · Financial Services · Banks - Regional

View Quarterly Ratios →

P/E Ratio

↑

13.32

↑+65% vs avg

5yr avg: 8.09

058%ile100

30Y Low6.2·High26.7

View P/E History →

EV/EBITDA

↓

3.37

+7% vs avg

5yr avg: 3.16

016%ile100

30Y Low1.9·High28.7

P/FCF

↓

13.71

↑+28% vs avg

5yr avg: 10.73

053%ile100

30Y Low3.4·High26.8

P/B Ratio

↓

0.89

-3% vs avg

5yr avg: 0.92

050%ile100

30Y Low0.4·High1.3

ROE

↓

7.0%

↑-33% vs avg

5yr avg: 10.5%

043%ile100

30Y Low-4%·High20%

Debt/EBITDA

↓

0.66

↓-52% vs avg

5yr avg: 1.38

09%ile100

30Y Low0.4·High21.3

Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.

SSBI Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

Summit State Bank trades at 13.3x earnings, 65% above its 5-year average of 8.1x, sitting at the 58th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.9x. On a free-cash-flow basis, the stock trades at 13.7x P/FCF, 28% above the 5-year average of 10.7x.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Market Cap	$90M	$78M	$51M	$82M	$106M	$104M	$82M	$79M	$71M	$76M	$72M
Enterprise Value	$30M	$19M	$6M	$31M	$75M	$117M	$110M	$92M	$107M	$22M	$117M
P/E Ratio →	13.32	11.51	—	7.59	6.22	7.04	7.80	12.15	12.30	23.37	14.55
P/S Ratio	1.53	1.33	0.83	1.27	1.88	2.23	2.02	2.43	2.56	3.40	3.30
P/B Ratio	0.89	0.77	0.56	0.84	1.19	1.23	1.08	1.17	1.16	1.28	1.24
P/FCF	13.71	11.95	9.14	—	7.80	14.02	22.79	3.36	24.85	18.90	14.50
P/OCF	13.62	11.87	8.78	—	7.70	13.85	22.01	3.22	19.08	17.99	13.87

P/E links to full P/E history page with 30-year chart

SSBI EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

Summit State Bank's enterprise value stands at 3.4x EBITDA, 7% above its 5-year average of 3.2x. The Financial Services sector median is 11.5x, placing the stock at a 71% discount on an enterprise-value basis.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
EV / Revenue	—	0.32	0.10	0.47	1.34	2.52	2.72	2.83	3.82	1.00	5.33
EV / EBITDA	3.37	2.08	—	1.95	3.09	5.51	7.18	9.81	12.70	3.59	13.34
EV / EBIT	3.37	2.08	—	2.00	3.14	5.61	7.39	10.36	13.25	3.80	13.83
EV / FCF	—	2.85	1.05	—	5.54	15.87	30.73	3.92	37.06	5.57	23.39

SSBI Profitability

Margins and return-on-capital ratios measuring operating efficiency

Summit State Bank earns an operating margin of 15.2%, below the Financial Services sector average of 20.2%. Operating margins have compressed from 23.5% to 15.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.0% is modest, trailing the sector median of 9.0%. ROIC of 6.6% represents adequate returns on invested capital versus a sector median of 5.4%.

Margins

Full margin charts and quarterly trend are on the Earnings History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Gross Margin	55.8%	55.8%	40.0%	61.5%	83.8%	87.8%	79.6%	76.2%	83.9%	88.1%	94.4%
Operating Margin	15.2%	15.2%	-7.1%	23.5%	42.5%	45.0%	36.8%	27.3%	28.9%	26.4%	38.5%
Net Profit Margin	11.6%	11.6%	-6.8%	16.6%	30.2%	31.7%	25.9%	19.9%	20.9%	14.7%	22.7%

Return on Capital

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
ROE	7.0%	7.0%	-4.4%	11.6%	19.6%	18.4%	14.7%	10.1%	9.6%	5.6%	8.6%
ROA	0.7%	0.7%	-0.4%	1.0%	1.6%	1.6%	1.3%	1.0%	0.9%	0.6%	1.0%
ROIC	6.6%	6.6%	-3.3%	9.6%	13.1%	11.4%	8.8%	5.6%	6.3%	4.4%	5.3%
ROCE	1.6%	1.6%	-4.0%	12.1%	17.0%	15.1%	11.8%	7.5%	8.3%	5.9%	7.2%

SSBI Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

Summit State Bank carries a Debt/EBITDA ratio of 0.7x, which is very conservative (84% below the sector average of 4.3x). The company holds a net cash position — cash of $66M exceeds total debt of $6M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.4x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Debt / Equity	0.06	0.06	0.06	0.06	0.53	0.65	0.79	0.76	0.92	0.25	1.18
Debt / EBITDA	0.66	0.66	—	0.38	1.93	2.56	3.86	5.49	6.77	2.40	7.86
Net Debt / Equity	—	-0.59	-0.50	-0.53	-0.35	0.16	0.38	0.20	0.57	-0.90	0.76
Net Debt / EBITDA	-6.65	-6.65	—	-3.31	-1.26	0.64	1.86	1.40	4.18	-8.60	5.07
Debt / FCF	—	-9.10	-8.09	—	-2.26	1.85	7.95	0.56	12.21	-13.33	8.89
Interest Coverage	0.38	0.38	-0.15	0.62	3.66	4.78	2.42	1.26	2.04	2.77	6.85

Net cash position: cash ($66M) exceeds total debt ($6M)

SSBI Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

Summit State Bank's current ratio of 171.08x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.13x to 171.08x over the past 3 years.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Current Ratio	171.08	171.08	0.12	0.13	0.19	0.15	0.15	0.17	0.19	0.28	0.35
Quick Ratio	171.08	171.08	0.12	0.13	0.19	0.15	0.15	0.17	0.19	0.28	0.35
Cash Ratio	171.08	171.08	0.05	0.06	0.08	0.05	0.04	0.07	0.04	0.13	0.06
Asset Turnover	—	0.06	0.06	0.06	0.05	0.05	0.05	0.05	0.04	0.04	0.04
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—
Days Sales Outstanding	—	—	—	—	—	—	—	—	—	—	—

SSBI Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Summit State Bank does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 7.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.

Dividends

Full dividend history and growth charts are on the Dividend History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Dividend Yield	—	—	—	—	—	—	—	—	—	—	—
Payout Ratio	—	—	—	30.0%	19.0%	20.3%	27.7%	45.0%	50.0%	83.6%	46.4%

Total Shareholder Return Metrics

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Earnings Yield	7.5%	8.7%	—	13.2%	16.1%	14.2%	12.8%	8.2%	8.1%	4.3%	6.9%
FCF Yield	7.3%	8.4%	10.9%	—	12.8%	7.1%	4.4%	29.8%	4.0%	5.3%	6.9%
Buyback Yield	0.0%	—	—	—	—	—	—	—	—	—	—
Total Shareholder Yield	0.0%	—	—	—	—	—	—	—	—	—	—
Shares Outstanding	—	$7M	$7M	$7M	$7M	$7M	$7M	$7M	$7M	$7M	$7M

Peer Comparison

Compare SSBI with 10 similar companies in its peer group

Company	Market Cap	P/E	EV/EBITDA	P/FCF	Gross Margin	Op Margin	ROE	ROIC	Debt/EBITDA
SSBIYou	$90M	13.3	3.4	13.7	55.8%	15.2%	7.0%	6.6%	0.7
CZWI	$207M	14.7	15.7	19.9	54.7%	7.0%	7.9%	2.0%	5.8
BSVN	$446M	10.3	3.5	10.8	70.2%	41.4%	18.6%	18.3%	—
HAFC	$949M	12.6	9.0	4.7	57.5%	24.3%	10.0%	7.4%	2.5
CBNK	$556M	10.0	7.8	8.3	73.6%	23.3%	15.1%	12.6%	0.7
WAFD	$3B	14.1	13.4	13.7	50.9%	20.5%	7.5%	3.9%	6.1
CVBF	$3B	14.0	13.4	13.3	79.9%	43.8%	9.3%	6.8%	3.5
BANR	$2B	11.9	9.8	9.2	79.0%	29.5%	10.5%	7.7%	1.5
WABC	$1B	12.8	6.4	12.1	95.2%	57.6%	12.7%	11.1%	1.0
NBTB	$3B	14.5	11.0	11.5	72.1%	25.3%	9.9%	7.9%	1.4
FIS	$20B	52.3	6.5	7.2	36.9%	16.5%	2.6%	6.0%	1.1
Financial Services Median	—	13.9	11.5	11.2	64.1%	20.2%	9.0%	5.4%	4.3

Peer selection based on competitive and market overlap. Compare multiple stocks →

Download Financial Ratios Data

Includes 30+ ratios · 23 years · Updated daily

SSBI — Frequently Asked Questions

Quick answers to the most common questions about buying SSBI stock.

What is Summit State Bank's P/E ratio?

Summit State Bank's current P/E ratio is 13.3x. The historical average is 14.2x. This places it at the 58th percentile of its historical range.

What is Summit State Bank's EV/EBITDA?

Summit State Bank's current EV/EBITDA is 3.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.4x.

What is Summit State Bank's ROE?

Summit State Bank's return on equity (ROE) is 7.0%. The historical average is 8.2%.

Is SSBI stock overvalued?

Based on historical data, Summit State Bank is trading at a P/E of 13.3x. This is at the 58th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What are Summit State Bank's profit margins?

Summit State Bank has 55.8% gross margin and 15.2% operating margin. Operating margin between 10-20% is typical for established companies.

How much debt does Summit State Bank have?

Summit State Bank's Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.