Summit State Bank (SSBI) P/E Ratio History
ExpensiveTrading at 13.3x vs 5Y avg 7.7x · 100th percentile · Material premium to history · Data 2006–2025
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P/E Ratio Analysis
As of June 13, 2026, Summit State Bank (SSBI) trades at a price-to-earnings ratio of 13.3x, with a stock price of $13.45 and trailing twelve-month earnings per share of $1.01.
The current P/E is 73% above its 5-year average of 7.7x. Over the past five years, SSBI's P/E has ranged from a low of 5.4x to a high of 11.7x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.9x, SSBI is roughly in line with its sector peers. The sector includes 784 companies with P/E ratios ranging from 0.0x to 197.4x.
Relative to the broader market, SSBI trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our SSBI DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
SSBI Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
SSBI P/E vs Peers
Commercial and middle-market focused banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $207M | 14.7 | 2.90 | +9% | |
| $446M | 10.3 | 0.61Best | -7% | |
| $949M | 12.6 | 1.00 | +22% | |
| $556M | 10.0Lowest | 0.79 | +60%Best | |
| $3B | 14.1 | 4.58 | +5% | |
| $3B | 14.0 | 4.40 | +6% | |
| $2B | 11.9 | 1.03 | +16% | |
| $1B | 12.8 | 1.47 | -13% | |
| $3B | 14.5 | 2.06 | +13% | |
| $20B | 52.3 | 2.14 | -47% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
SSBI Historical P/E Data (2006–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $11.63 | $1.01 | 11.5x | -17% |
| FY2024 Q3 | Sep 30 2024 | $8.45 | $0.72 | 11.7x | -16% |
| FY2024 Q2 | Jun 30 2024 | $9.45 | $0.90 | 10.5x | -24% |
| FY2024 Q1 | Mar 31 2024 | $10.85 | $1.21 | 9.0x | -35% |
| FY2023 Q4 | Dec 31 2023 | $12.30 | $1.62 | 7.6x | -45% |
| FY2023 Q3 | Sep 30 2023 | $16.04 | $2.02 | 7.9x | -43% |
| FY2023 Q2 | Jun 30 2023 | $15.11 | $2.34 | 6.5x | -53% |
| FY2023 Q1 | Mar 31 2023 | $13.87 | $2.56 | 5.4x | -61% |
| FY2022 Q4 | Dec 31 2022 | $15.80 | $2.53 | 6.2x | -55% |
| FY2022 Q3 | Sep 30 2022 | $14.51 | $2.40 | 6.0x | -56% |
| FY2022 Q2 | - | $15.22 | $2.38 | 6.4x | -54% |
| FY2022 Q1 | - | $17.10 | $2.29 | 7.5x | -46% |
| FY2021 Q4 | Dec 31 2021 | $15.49 | $2.20 | 7.0x | -49% |
| FY2021 Q3 | - | $18.00 | $2.13 | 8.5x | -39% |
| FY2021 Q2 | Jun 30 2021 | $14.13 | $2.01 | 7.0x | -49% |
| FY2021 Q1 | Mar 31 2021 | $14.84 | $1.77 | 8.4x | -40% |
| FY2020 Q4 | - | $12.25 | $1.63 | 7.5x | -46% |
| FY2020 Q3 | Sep 30 2020 | $10.14 | $1.45 | 7.0x | -50% |
| FY2020 Q2 | - | $8.15 | $1.31 | 6.2x | -55% |
| FY2020 Q1 | - | $7.26 | $1.14 | 6.4x | -54% |
| FY2019 Q4 | - | $11.79 | $0.99 | 11.9x | -14% |
| FY2019 Q3 | Sep 30 2019 | $10.72 | $0.87 | 12.3x | -11% |
| FY2019 Q2 | Jun 30 2019 | $10.00 | $0.79 | 12.7x | -9% |
| FY2019 Q1 | Mar 31 2019 | $10.53 | $0.84 | 12.5x | -10% |
| FY2018 Q4 | Dec 31 2018 | $10.70 | $0.89 | 12.0x | -13% |
| FY2018 Q3 | Sep 30 2018 | $13.95 | $0.79 | 17.7x | +27% |
| FY2018 Q2 | Jun 30 2018 | $14.05 | $0.71 | 19.8x | +43% |
| FY2018 Q1 | Mar 31 2018 | $12.25 | $0.63 | 19.5x | +40% |
| FY2017 Q4 | Dec 31 2017 | $11.45 | $0.51 | 22.5x | +62% |
| FY2017 Q3 | Sep 30 2017 | $11.32 | $0.63 | 18.0x | +29% |
| FY2017 Q2 | Jun 30 2017 | $11.82 | $0.66 | 17.9x | +29% |
| FY2017 Q1 | Mar 31 2017 | $11.86 | $0.71 | 16.7x | +20% |
| FY2016 Q4 | Dec 31 2016 | $10.91 | $0.77 | 14.2x | +2% |
| FY2016 Q3 | Sep 30 2016 | $9.88 | $0.78 | 12.7x | -9% |
| FY2016 Q2 | - | $9.99 | $0.79 | 12.6x | -9% |
| FY2016 Q1 | - | $9.64 | $0.85 | 11.3x | -18% |
| FY2015 Q4 | - | $10.01 | $0.90 | 11.1x | -20% |
| FY2015 Q3 | Sep 30 2015 | $9.51 | $0.99 | 9.6x | -31% |
| FY2015 Q2 | - | $9.54 | $0.97 | 9.8x | -29% |
| FY2015 Q1 | - | $9.57 | $0.91 | 10.5x | -24% |
| FY2014 Q4 | Dec 31 2014 | $10.09 | $0.83 | 12.2x | -12% |
| FY2014 Q3 | - | $9.43 | $0.73 | 12.9x | -7% |
| FY2014 Q2 | Jun 30 2014 | $9.57 | $0.73 | 13.1x | -6% |
| FY2014 Q1 | Mar 31 2014 | $7.96 | $0.69 | 11.5x | -17% |
| FY2013 Q4 | - | $7.64 | $0.65 | 11.8x | -15% |
| FY2013 Q3 | Sep 30 2013 | $6.81 | $0.62 | 11.0x | -21% |
| FY2013 Q2 | Jun 30 2013 | $6.85 | $0.59 | 11.6x | -16% |
| FY2013 Q1 | Mar 31 2013 | $6.00 | $0.54 | 11.1x | -20% |
| FY2012 Q4 | Dec 31 2012 | $4.91 | $0.48 | 10.3x | -26% |
| FY2012 Q3 | Sep 30 2012 | $4.51 | $0.40 | 11.3x | -18% |
| FY2012 Q2 | Jun 30 2012 | $4.18 | $0.29 | 14.5x | +5% |
| FY2012 Q1 | Mar 31 2012 | $4.44 | $0.29 | 15.4x | +11% |
| FY2011 Q4 | Dec 31 2011 | $3.78 | $0.27 | 13.8x | -0% |
| FY2011 Q3 | Sep 30 2011 | $3.75 | $0.25 | 14.8x | +7% |
| FY2011 Q2 | - | $4.89 | $0.25 | 19.3x | +39% |
| FY2011 Q1 | - | $5.08 | $0.21 | 24.0x | +73% |
| FY2010 Q4 | Dec 31 2010 | $5.08 | $0.22 | 23.2x | +67% |
| FY2010 Q3 | - | $4.91 | $0.21 | 23.9x | +72% |
| FY2010 Q2 | Jun 30 2010 | $4.55 | $0.18 | 24.8x | +79% |
| FY2010 Q1 | Mar 31 2010 | $4.91 | $0.21 | 23.1x | +66% |
| FY2009 Q4 | - | $3.99 | $0.27 | 14.5x | +5% |
| FY2009 Q3 | Sep 30 2009 | $4.00 | $0.34 | 11.6x | -16% |
| FY2009 Q2 | - | $4.91 | $0.25 | 19.6x | +42% |
| FY2009 Q1 | - | $3.35 | $0.25 | 13.4x | -3% |
| FY2008 Q4 | Dec 31 2008 | $3.35 | $0.17 | 20.1x | +45% |
| FY2008 Q3 | - | $4.24 | $0.11 | 38.3x | +176% |
| FY2008 Q2 | Jun 30 2008 | $5.05 | $0.27 | 18.6x | +34% |
| FY2008 Q1 | Mar 31 2008 | $5.78 | $0.24 | 23.9x | +72% |
| FY2007 Q4 | Dec 31 2007 | $5.85 | $0.29 | 20.0x | +44% |
| FY2007 Q3 | Sep 30 2007 | $7.29 | $0.33 | 22.2x | +60% |
| FY2007 Q2 | Jun 30 2007 | $8.27 | $0.37 | 22.6x | +63% |
| FY2007 Q1 | Mar 31 2007 | $9.51 | $0.46 | 20.8x | +50% |
| FY2006 Q4 | Dec 31 2006 | $9.28 | $0.70 | 13.3x | -4% |
| FY2006 Q3 | Sep 30 2006 | $9.36 | $0.63 | 14.8x | +7% |
Average P/E for displayed period: 13.9x
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Compare NowSSBI — Frequently Asked Questions
Quick answers to the most common questions about buying SSBI stock.
What is SSBI's P/E ratio?
Summit State Bank (SSBI) trailing twelve-month P/E ratio is 13.3x, based on TTM diluted EPS of $1.01. The 5-year average P/E is 7.7x and the historical range spans 5.4x to 11.7x.
Is SSBI stock overvalued or undervalued?
SSBI trades at 13.3x P/E, above its 5-year average of 7.7x. The 100th percentile ranking within the 5.4x–11.7x historical range indicates a premium to historical valuation.
Is SSBI stock expensive?
Yes, SSBI is expensive relative to its own history. The current P/E of 13.3x is above the 5-year average of 7.7x. The stock sits at the 100th percentile of its 5-year valuation range.
What is SSBI's historical P/E range?
Over the past 5 years, SSBI's P/E ratio has ranged from 5.4x to 11.7x, with a median of 7.5x and an average of 7.7x. The current P/E of 13.3x places the stock at the 100th percentile of this range. Full historical data spans 2006–2025.
How does SSBI's P/E compare to the S&P 500?
SSBI trades at 13.3x P/E versus the S&P 500 median of 25.1x. The 47% discount to the market suggests lower growth expectations or perceived higher risk.
How does SSBI's valuation compare to Financial Services peers?
Summit State Bank P/E of 13.3x compares to the Financial Services sector median of 13.9x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is SSBI's PEG ratio?
SSBI PEG ratio is N/A, based on a P/E of 13.3x and EPS growth of 262.9%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is SSBI's earnings yield?
SSBI earnings yield is 7.51%, the inverse of its 13.3x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.