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Summit State Bank SSBI

Morningstar Rating
$9.83 −0.55 (5.30%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

SSBI is trading at a 42% discount.
Price
$10.08
Fair Value
$52.99
Uncertainty
Extreme
1-Star Price
$38.65
5-Star Price
$5.79
Economic Moat
Lcl
Capital Allocation
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Trading Information

Previous Close Price
$10.38
Day Range
$9.8310.06
52-Week Range
$9.5518.67
Bid/Ask
$9.77 / $10.23
Market Cap
$66.69 Mil
Volume/Avg
434 / 4,674

Key Statistics

Price/Earnings (Normalized)
6.07
Price/Sales
1.63
Dividend Yield (Trailing)
4.77%
Dividend Yield (Forward)
4.77%
Total Yield
4.77%

Company Profile

Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, and retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and term and equipment loans, as well as loans to agriculture-related businesses.
Sector
Financial Services
Industry
Banks - Regional
Stock Style Box
Small Value
Total Number of Employees
115
Website

Comparables

Valuation

Metric
SSBI
BANC
BMRC
Price/Earnings (Normalized)
6.0713.8712.23
Price/Book Value
0.680.750.56
Price/Sales
1.634.232.32
Price/Cash Flow
10.413.866.50
Price/Earnings
SSBI
BANC
BMRC

Financial Strength

Metric
SSBI
BANC
BMRC
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
No chart available

Profitability

Metric
SSBI
BANC
BMRC
Return on Assets (Normalized)
0.95%−2.81%0.53%
Return on Equity (Normalized)
11.58%−32.88%5.02%
Return on Invested Capital (Normalized)
Return on Assets
SSBI
BANC
BMRC
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