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Summit State Bank(NASDAQ) SSBI

Current Price$13.26
Market Cap$88.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2006)+161%
5 Year-3%
1 Year+13%
1 Month-5%
Summit State Bank last closing stock price
MetricPriceDate
Last closeUSD 13.112026-07-24
Summit State Bank stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.74%USD 13.622026-07-17
1 month-5.34%USD 13.852026-06-24
3 month-4.38%USD 13.712026-04-24
Year to date+12.73%USD 11.632025-12-31
1 year+13.02%USD 11.602025-07-24
3 year-15.51%USD 15.522023-07-25
5 year-2.72%USD 13.482021-07-23
Since inception+161.12%USD 5.092006-07-14

Summit State Bank Financials at a Glance

Market Cap

$88.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$58.71M

Net Income (TTM)

$5.98M

EPS (TTM)

$0.89

P/E Ratio

14.97

Dividend

$0.00

Beta (Volatility)

0.17 (Low)

Price

$13.26

Volume

1,930

Open

$13.26

Previous Close

$13.26

Daily Range

$13.24 - $13.27

52-Week Range

$10.35 - $14.00

Estimated Earnings Date

Apr 27, 2026

SSBI News

No articles available.

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About Summit State Bank

Summit State Bank is a community-focused financial institution that provides comprehensive banking services to individuals and businesses. Headquartered in Washington, it operates mainly in Skagit, Snohomish, and Whatcom Counties. Summit State Bank emphasizes personalized customer service, helping it foster strong community ties and a loyal customer base.

Products and Services

Commercial and residential real estate loans

Small and medium-sized business loans

Consumer loans for various personal needs

Deposit services including checking, savings, and money market accounts

Other banking services like online banking, credit card services, and merchant card services

What Makes Summit State Bank Special

Summit State Bank distinguishes itself through a strong community focus, offering personalized and tailored financial solutions. Its emphasis on customer relationships and local expertise positions it as a trusted financial partner in its area.

Five Things You Need to Know

Founded in 1958, the bank is well-established with deep community roots.

The bank operates across 11 branches in Washington, concentrating on local markets.

Its primary lending activities include commercial and real estate loans.

Summit State Bank is insured by the FDIC, ensuring deposit protection.

It is heavily regulated to ensure customer safety and sound business practices.

AI Generated • Apr 16, 2026

Industry

Banks

Employees

103

CEO

Brian Reed

Headquarters

Santa Rosa, CA 95403, US

SSBI Financials

Key Financial Metrics (TTM)

Gross Margin

55.30%

Operating Margin

13.86%

Net Income Margin

10.18%

Return on Equity

5.95%

Return on Capital

8.37%

Return on Assets

0.60%

Earnings Yield

6.68%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$88.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

6.68M

Volume

1.93K

Avg. Volume

4.54K

Financials (TTM)

Gross Profit

$32.47M

Operating Income

$8.14M

EBITDA

$8.50M

Operating Cash Flow

$13.55M

Capital Expenditure

-$44.00K

Free Cash Flow

$13.51M

Cash & ST Invst.

$115.46M

Total Debt

$5.95M

Summit State Bank Performance Analysis

Summit State Bank annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 56,451,00020.4%
20232023-12-31USD 65,442,00015.9%
20242024-12-31USD 62,221,000-4.9%
20252025-12-31USD 58,662,000-5.7%
Summit State Bank sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-302.0%
Q32025-09-30-2.4%
Q42025-12-31-13.8%
Q12026-03-3115.5%
Summit State Bank annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.5415.4%
20232023-12-31USD 1.62-36.3%
20242024-12-31USD -0.62N/A
20252025-12-31USD 1.01N/A
Summit State Bank sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-2.7%
Q32025-09-30-66.7%
Q42025-12-3133.3%
Q12026-03-3156.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$15.06M

-0.9%

Gross Profit

$9.01M

-3.6%

Gross Margin

59.85%

N/A

Market Cap

$88.66MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$860.82K

N/A

Employees

103

N/A

Net Income

$1.67M

-32.9%

EBITDA

$2.36M

-26.2%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$115.46M

+39.0%

Total Debt

$5.95M

+0.3%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$5.95M

+0.3%

Short Term Debt

$0.00

N/A

Return on Assets

0.60%

N/A

Return on Invested Capital

6.97%

N/A

Free Cash Flow

$3.77M

+218.4%

Operating Cash Flow

$3.77M

+218.5%

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Questions About SSBI

What is the current price of Summit State Bank?

Summit State Bank is trading at $13.26 per share.

What is the 52-week range for Summit State Bank?

Over the past 52 weeks, Summit State Bank has traded between $10.35 and $14.00.

How much debt does Summit State Bank have?

As of the most recent reporting period, Summit State Bank reported total debt of $7.39M.

How much cash does Summit State Bank have on hand?

Summit State Bank does not have cash on hand data available.

What is Summit State Bank’s dividend yield?

Summit State Bank does not currently have a dividend yield.

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