Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Summit State Bank's quarterly P/E stands at 18.2x.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.32 | 18.17 | 24.81 | 7.53 | 6.24 | — | 22.67 | 16.87 | 12.92 | 10.98 | 14.85 | 8.39 | 5.59 |
| — | — | +9.5% | -55.4% | -51.7% | — | +52.6% | +101.0% | +131.0% | +89.1% | +141.6% | +47.8% | -22.8% | |
| P/S Ratio | 1.53 | 1.50 | 1.33 | 1.18 | 1.02 | 0.83 | 0.89 | 1.05 | 1.18 | 1.38 | 1.64 | 1.48 | 1.40 |
| — | +80.1% | +49.7% | +12.6% | -13.3% | -39.3% | -46.0% | -29.4% | -15.6% | -16.6% | -8.1% | -20.2% | -37.3% | |
| P/B Ratio | 0.89 | 0.77 | 0.80 | 0.74 | 0.65 | 0.56 | 0.56 | 0.65 | 0.74 | 0.84 | 1.15 | 1.07 | 1.00 |
| — | +38.1% | +42.6% | +14.8% | -12.4% | -33.6% | -51.0% | -39.5% | -25.8% | -29.3% | +0.1% | -10.8% | -26.7% | |
| P/FCF | 13.71 | 7.46 | 2.79 | — | — | 7.74 | 6.23 | 15.31 | 28.26 | — | — | 6.82 | — |
| — | -3.6% | -55.2% | — | — | — | — | +124.5% | — | — | — | — | — | |
| EV / EBITDA | 3.37 | 3.47 | 6.17 | 0.94 | -0.35 | — | -4.92 | 5.95 | 8.11 | 2.72 | 2.58 | -0.30 | 0.27 |
| — | — | +225.4% | -84.2% | -104.3% | — | -290.7% | +2069.3% | +2885.3% | -6.8% | -55.0% | -106.0% | -94.1% | |
| EV / EBIT | 3.37 | 3.47 | 6.63 | 0.97 | -0.36 | — | -5.50 | 6.38 | 8.52 | 2.82 | 2.68 | -0.31 | 0.28 |
| — | — | +220.5% | -84.9% | -104.2% | — | -305.4% | +2165.3% | +2983.2% | -4.9% | -54.0% | -106.1% | -94.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Summit State Bank's operating margin was 10.4% in Q4 2025, up 2.0 pp QoQ and up 65.8 pp YoY. The trailing four-quarter average of 15.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 479.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.8% | 54.4% | 45.1% | 61.6% | 61.6% | 9.4% | 43.7% | 52.1% | 54.7% | 52.5% | 57.5% | 64.9% | 70.0% |
| — | +479.8% | +3.0% | +18.2% | +12.5% | -82.1% | -24.0% | -19.6% | -21.9% | -32.3% | -30.7% | -23.8% | -23.4% | |
| Operating Margin | 15.2% | 10.4% | 8.4% | 20.9% | 20.4% | -55.4% | 5.2% | 8.5% | 13.2% | 18.1% | 15.3% | 24.9% | 35.0% |
| — | +118.7% | +62.6% | +147.3% | +54.3% | -406.7% | -66.2% | -66.0% | -62.2% | -54.2% | -63.8% | -46.3% | -17.5% | |
| Net Margin | 11.6% | 8.2% | 5.4% | 15.6% | 16.4% | -46.4% | 3.9% | 6.1% | 9.0% | 12.7% | 11.1% | 17.5% | 24.8% |
| — | +117.7% | +38.4% | +155.1% | +81.6% | -465.5% | -64.8% | -65.0% | -63.5% | -55.3% | -62.1% | -46.8% | -19.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.0% | 1.1% | 0.8% | 2.5% | 2.7% | -7.4% | 0.6% | 0.9% | 1.4% | 2.0% | 1.9% | 3.2% | 4.5% |
| — | +114.3% | +31.2% | +163.7% | +86.9% | -473.4% | -67.5% | -70.3% | -68.6% | -62.2% | -58.8% | -40.3% | -3.0% | |
| ROA | 0.7% | 0.1% | 0.1% | 0.2% | 0.2% | -0.7% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.3% | 0.4% |
| — | +116.2% | +40.9% | +168.8% | +84.8% | -489.5% | -64.0% | -66.8% | -65.2% | -60.2% | -59.8% | -43.6% | -10.3% | |
| ROIC | 6.6% | 0.9% | 0.9% | 2.4% | 2.3% | -6.3% | 0.6% | 0.8% | 1.3% | 2.0% | 1.9% | 2.9% | 3.4% |
| — | +114.8% | +52.6% | +194.9% | +80.2% | -413.5% | -69.2% | -71.9% | -61.6% | -36.9% | -31.6% | -13.9% | +14.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Summit State Bank's Debt/EBITDA ratio is 4.4x, down from 8.4x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 147629.4% YoY to 171.08x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 0.06 | 0.11 | 0.06 | 0.06 | 0.06 | 0.06 | 0.10 | 0.35 | 0.06 | 0.06 | 0.06 | 0.33 |
| — | -9.1% | +94.8% | -37.1% | -82.3% | +6.8% | -6.9% | +53.7% | +8.1% | -88.6% | -93.3% | -91.8% | -49.8% | |
| Debt / EBITDA | 0.66 | 4.40 | 8.38 | 1.78 | 1.86 | — | 6.40 | 6.85 | 16.13 | 2.11 | 2.27 | 1.36 | 5.12 |
| — | — | +30.8% | -74.0% | -88.5% | — | +181.8% | +404.0% | +215.0% | -71.1% | -83.3% | -86.4% | -47.9% | |
| Current Ratio | 171.08 | 171.08 | 0.08 | 0.15 | 0.09 | 0.12 | 0.16 | 0.13 | 0.13 | 0.13 | 0.19 | 0.21 | — |
| — | +147629.4% | -51.2% | +13.7% | -32.9% | -12.8% | -16.5% | -39.2% | — | -30.8% | +20.9% | +35.1% | — | |
| Quick Ratio | 171.08 | 171.08 | 0.08 | 0.15 | 0.09 | 0.12 | 0.16 | 0.13 | 0.13 | 0.13 | 0.19 | 0.21 | — |
| — | +147629.4% | -51.2% | +13.7% | -32.9% | -12.8% | -16.5% | -39.2% | — | -30.8% | +20.9% | +35.1% | — | |
| Interest Coverage | 0.38 | 0.25 | 0.23 | 0.54 | 0.48 | -1.18 | 0.11 | 0.18 | 0.29 | 0.38 | 0.36 | 0.71 | 1.26 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Summit State Bank's current P/E is 13.3x. The average P/E over the last 4 quarters is 14.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Summit State Bank's current operating margin is 15.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Summit State Bank's business trajectory between earnings reports.