Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.06 | 13.37 | 18.17 | 24.81 | 7.53 | 6.24 | — | 22.67 | 16.87 | 12.92 | 10.98 | 14.85 | 8.39 | 5.59 | 5.81 | 6.15 | 5.68 | 7.25 | 7.04 | 7.89 | 6.09 |
| — | +114.4% | — | +9.5% | -55.4% | -51.7% | — | +52.6% | +101.0% | +131.0% | +89.1% | +141.6% | +47.8% | -22.8% | -17.5% | -22.1% | -6.8% | -2.3% | +10.4% | +40.1% | +1.6% | |
| P/S Ratio | 2.33 | 2.24 | 2.59 | 2.09 | 1.92 | 1.78 | 1.57 | 1.71 | 2.01 | 2.17 | 2.65 | 2.86 | 2.28 | 1.93 | 2.02 | 2.01 | 2.01 | 2.41 | 2.43 | 2.75 | 2.23 |
| — | +25.9% | +64.5% | +22.8% | -4.4% | -18.3% | -40.7% | -40.4% | -11.7% | +12.5% | +31.3% | +42.0% | +13.3% | -19.9% | -16.8% | -26.7% | -9.9% | -3.7% | +23.5% | +44.8% | +29.0% | |
| P/B Ratio | 0.81 | 0.88 | 0.77 | 0.80 | 0.74 | 0.65 | 0.56 | 0.56 | 0.65 | 0.74 | 0.84 | 1.15 | 1.07 | 1.00 | 1.19 | 1.15 | 1.20 | 1.37 | 1.23 | 1.47 | 1.20 |
| — | +34.8% | +38.1% | +42.6% | +14.8% | -12.4% | -33.6% | -51.0% | -39.5% | -25.8% | -29.3% | +0.1% | -10.8% | -26.7% | -2.8% | -21.6% | +0.6% | +4.1% | +24.9% | +58.9% | +56.4% | |
| P/FCF | 12.59 | 5.96 | 7.46 | 2.79 | — | — | 7.74 | 6.23 | 15.31 | 28.26 | — | — | 6.82 | — | 3.55 | 11.28 | — | 1.27 | 0.56 | — | 1.74 |
| — | — | -3.6% | -55.2% | — | — | — | — | +124.5% | — | — | — | — | — | +539.5% | — | — | -59.0% | -93.1% | — | -88.4% | |
| EV / EBITDA | 2.45 | -2.06 | 3.25 | 6.17 | 0.94 | -0.35 | — | -4.92 | 5.95 | 8.11 | 2.72 | 2.58 | -0.30 | 0.27 | 2.92 | 5.73 | 5.02 | 4.64 | 5.48 | 7.67 | 4.11 |
| — | -492.4% | — | +225.4% | -84.2% | -104.3% | — | -290.7% | +2069.3% | +2885.3% | -6.8% | -55.0% | -106.0% | -94.1% | -46.7% | -25.3% | +22.1% | -19.8% | -15.0% | +21.6% | +8.4% | |
| EV / EBIT | 2.55 | -2.14 | 3.47 | 6.63 | 0.97 | -0.36 | — | -5.50 | 6.38 | 8.52 | 2.82 | 2.68 | -0.31 | 0.28 | 2.96 | 5.82 | 5.08 | 4.72 | 5.59 | 7.80 | 4.18 |
| — | -496.0% | — | +220.5% | -84.9% | -104.2% | — | -305.4% | +2165.3% | +2983.2% | -4.9% | -54.0% | -106.1% | -94.2% | -47.0% | -25.4% | +21.5% | -20.2% | -9.6% | +18.3% | +3.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 55.8% | 59.8% | 54.4% | 45.1% | 61.6% | 61.6% | 9.4% | 43.7% | 52.1% | 54.7% | 52.5% | 57.5% | 64.9% | 70.0% | 77.5% | 82.9% | 85.1% | 91.4% | 83.0% | 91.5% | 90.5% |
| — | -2.8% | +479.8% | +3.0% | +18.2% | +12.5% | -82.1% | -24.0% | -19.6% | -21.9% | -32.3% | -30.7% | -23.8% | -23.4% | -6.6% | -9.4% | -6.0% | +6.2% | -0.1% | +12.5% | +16.9% | |
| Operating Margin | 15.2% | 15.1% | 10.4% | 8.4% | 20.9% | 20.4% | -55.4% | 5.2% | 8.5% | 13.2% | 18.1% | 15.3% | 24.9% | 35.0% | 39.5% | 42.2% | 46.4% | 42.4% | 44.9% | 45.1% | 47.4% |
| — | -26.0% | +118.7% | +62.6% | +147.3% | +54.3% | -406.7% | -66.2% | -66.0% | -62.2% | -54.2% | -63.8% | -46.3% | -17.5% | -12.0% | -6.3% | -2.1% | -0.1% | +16.3% | +11.4% | +43.0% | |
| Net Margin | 11.6% | 11.1% | 8.2% | 5.4% | 15.6% | 16.4% | -46.4% | 3.9% | 6.1% | 9.0% | 12.7% | 11.1% | 17.5% | 24.8% | 28.4% | 29.3% | 32.9% | 30.7% | 31.6% | 31.7% | 33.4% |
| — | -32.3% | +117.7% | +38.4% | +155.1% | +81.6% | -465.5% | -64.8% | -65.0% | -63.5% | -55.3% | -62.1% | -46.8% | -19.2% | -10.0% | -7.8% | -1.6% | +2.6% | +16.2% | +11.3% | +43.1% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.0% | 1.6% | 1.1% | 0.8% | 2.5% | 2.7% | -7.4% | 0.6% | 0.9% | 1.4% | 2.0% | 1.9% | 3.2% | 4.5% | 5.3% | 4.7% | 5.3% | 4.7% | 4.4% | 4.7% | 5.0% |
| — | -38.4% | +114.3% | +31.2% | +163.7% | +86.9% | -473.4% | -67.5% | -70.3% | -68.6% | -62.2% | -58.8% | -40.3% | -3.0% | +18.7% | -0.2% | +5.9% | +6.7% | +12.8% | +15.5% | +58.6% | |
| ROA | 0.7% | 0.2% | 0.1% | 0.1% | 0.2% | 0.2% | -0.7% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.3% | 0.4% | 0.4% | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | -28.5% | +116.2% | +40.9% | +168.8% | +84.8% | -489.5% | -64.0% | -66.8% | -65.2% | -60.2% | -59.8% | -43.6% | -10.3% | +7.5% | -5.6% | +5.2% | +7.1% | +13.8% | +18.7% | +54.6% | |
| ROIC | 6.6% | 1.6% | 0.9% | 0.9% | 2.4% | 2.3% | -6.3% | 0.6% | 0.8% | 1.3% | 2.0% | 1.9% | 2.9% | 3.4% | 3.2% | 2.8% | 3.3% | 2.9% | 2.6% | 2.7% | 3.1% |
| — | -32.4% | +114.8% | +52.6% | +194.9% | +80.2% | -413.5% | -69.2% | -71.9% | -61.6% | -36.9% | -31.6% | -13.9% | +14.4% | +23.6% | +2.4% | +7.3% | +12.6% | +13.3% | +17.9% | +82.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.06 | 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 | 0.53 | 0.94 | 0.76 | 0.65 | 0.65 | 1.05 | 0.69 |
| — | -6.9% | -9.1% | +94.8% | -37.1% | -82.3% | +6.8% | -6.9% | +53.7% | +8.1% | -88.6% | -93.3% | -91.8% | -49.8% | -17.9% | -10.0% | +10.6% | -17.4% | -17.8% | +14.5% | -23.8% | |
| Debt / EBITDA | 0.64 | 2.52 | 4.13 | 8.38 | 1.78 | 1.86 | — | 6.40 | 6.85 | 16.13 | 2.11 | 2.27 | 1.36 | 5.12 | 7.30 | 13.63 | 9.99 | 9.82 | 10.17 | 15.65 | 9.65 |
| — | +35.9% | — | +30.8% | -74.0% | -88.5% | — | +181.8% | +404.0% | +215.0% | -71.1% | -83.3% | -86.4% | -47.9% | -28.3% | -12.9% | +3.5% | -20.3% | -31.6% | +2.2% | -49.7% | |
| Current Ratio | 171.08 | 0.13 | 171.08 | 0.08 | 0.15 | 0.09 | 0.12 | 0.16 | 0.13 | 0.13 | 0.13 | 0.19 | 0.21 | — | 0.19 | 0.16 | 0.16 | 0.18 | 0.15 | 0.15 | 0.17 |
| — | +51.3% | +147629.4% | -51.2% | +13.7% | -32.9% | -12.8% | -16.5% | -39.2% | — | -30.8% | +20.9% | +35.1% | — | +27.6% | +1.1% | -10.6% | +9.7% | +3.4% | +14.1% | -8.1% | |
| Quick Ratio | 171.08 | 0.13 | 171.08 | 0.08 | 0.15 | 0.09 | 0.12 | 0.16 | 0.13 | 0.13 | 0.13 | 0.19 | 0.21 | — | 0.19 | 0.16 | 0.16 | 0.18 | 0.15 | 0.15 | 0.17 |
| — | +51.3% | +147629.4% | -51.2% | +13.7% | -32.9% | -12.8% | -16.5% | -39.2% | — | -30.8% | +20.9% | +35.1% | — | +27.6% | +1.1% | -10.6% | +9.7% | +3.4% | +14.1% | -8.1% | |
| Interest Coverage | 0.38 | 0.45 | 0.25 | 0.23 | 0.54 | 0.48 | -1.18 | 0.11 | 0.18 | 0.29 | 0.38 | 0.36 | 0.71 | 1.26 | 2.15 | 3.71 | 6.11 | 5.46 | 5.11 | 5.31 | 5.01 |
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Includes 30+ ratios · 46 years · Updated daily
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Quick answers to the most common questions about buying SSBI stock.
Summit State Bank's current P/E is 12.1x. The average P/E over the last 4 quarters is 16.0x. 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.