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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.64
SSBI's Cash to Debt is ranked lower than
64% of the 980 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.53 vs. SSBI: 0.64 )
Ranked among companies with meaningful Cash to Debt only.
SSBI' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.56 Max: N/A
Current: 0.64
Equity to Asset 0.15
SSBI's Equity to Asset is ranked higher than
84% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SSBI: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
SSBI' s 10-Year Equity to Asset Range
Min: 0.08  Med: 0.15 Max: 0.16
Current: 0.15
0.08
0.16
Interest Coverage 9.18
SSBI's Interest Coverage is ranked higher than
90% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.62 vs. SSBI: 9.18 )
Ranked among companies with meaningful Interest Coverage only.
SSBI' s 10-Year Interest Coverage Range
Min: 0.19  Med: 0.88 Max: 9.18
Current: 9.18
0.19
9.18
F-Score: 5
WACC vs ROIC
4.58%
7.45%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 51.31
SSBI's Operating margin (%) is ranked higher than
87% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.01 vs. SSBI: 51.31 )
Ranked among companies with meaningful Operating margin (%) only.
SSBI' s 10-Year Operating margin (%) Range
Min: 15.54  Med: 28.57 Max: 49.33
Current: 51.31
15.54
49.33
Net-margin (%) 30.16
SSBI's Net-margin (%) is ranked higher than
73% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.75 vs. SSBI: 30.16 )
Ranked among companies with meaningful Net-margin (%) only.
SSBI' s 10-Year Net-margin (%) Range
Min: 9.14  Med: 22.73 Max: 29
Current: 30.16
9.14
29
ROE (%) 8.85
SSBI's ROE (%) is ranked higher than
54% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. SSBI: 8.85 )
Ranked among companies with meaningful ROE (%) only.
SSBI' s 10-Year ROE (%) Range
Min: 1.95  Med: 5.63 Max: 11.94
Current: 8.85
1.95
11.94
ROA (%) 1.29
SSBI's ROA (%) is ranked higher than
76% of the 1416 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SSBI: 1.29 )
Ranked among companies with meaningful ROA (%) only.
SSBI' s 10-Year ROA (%) Range
Min: 0.29  Med: 0.84 Max: 1.2
Current: 1.29
0.29
1.2
Revenue Growth (3Y)(%) 1.60
SSBI's Revenue Growth (3Y)(%) is ranked lower than
52% of the 1186 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.00 vs. SSBI: 1.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SSBI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -13.8  Med: 4.15 Max: 17
Current: 1.6
-13.8
17
EBITDA Growth (3Y)(%) 25.20
SSBI's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 1046 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SSBI: 25.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SSBI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -6.75 Max: 26
Current: 25.2
0
26
EPS Growth (3Y)(%) 49.80
SSBI's EPS Growth (3Y)(%) is ranked higher than
92% of the 1055 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.40 vs. SSBI: 49.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SSBI' s 10-Year EPS Growth (3Y)(%) Range
Min: -39.1  Med: 7.90 Max: 49.8
Current: 49.8
-39.1
49.8
» SSBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 11.10
SSBI's P/E(ttm) is ranked higher than
70% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. SSBI: 11.10 )
Ranked among companies with meaningful P/E(ttm) only.
SSBI' s 10-Year P/E(ttm) Range
Min: 10.13  Med: 17.00 Max: 45.92
Current: 11.1
10.13
45.92
PE(NRI) 11.00
SSBI's PE(NRI) is ranked higher than
70% of the 1255 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.20 vs. SSBI: 11.00 )
Ranked among companies with meaningful PE(NRI) only.
SSBI' s 10-Year PE(NRI) Range
Min: 10.16  Med: 17.06 Max: 46.57
Current: 11
10.16
46.57
P/B 1.15
SSBI's P/B is ranked lower than
55% of the 1359 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SSBI: 1.15 )
Ranked among companies with meaningful P/B only.
SSBI' s 10-Year P/B Range
Min: 0.42  Med: 0.70 Max: 1.41
Current: 1.15
0.42
1.41
P/S 3.27
SSBI's P/S is ranked lower than
56% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. SSBI: 3.27 )
Ranked among companies with meaningful P/S only.
SSBI' s 10-Year P/S Range
Min: 1.29  Med: 2.44 Max: 5.73
Current: 3.27
1.29
5.73
PFCF 14.47
SSBI's PFCF is ranked lower than
62% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.28 vs. SSBI: 14.47 )
Ranked among companies with meaningful PFCF only.
SSBI' s 10-Year PFCF Range
Min: 2.2  Med: 10.23 Max: 52.65
Current: 14.47
2.2
52.65
POCF 13.33
SSBI's POCF is ranked lower than
67% of the 923 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.67 vs. SSBI: 13.33 )
Ranked among companies with meaningful POCF only.
SSBI' s 10-Year POCF Range
Min: 2.14  Med: 6.91 Max: 30.42
Current: 13.33
2.14
30.42
EV-to-EBIT 8.96
SSBI's EV-to-EBIT is ranked higher than
75% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.91 vs. SSBI: 8.96 )
Ranked among companies with meaningful EV-to-EBIT only.
SSBI' s 10-Year EV-to-EBIT Range
Min: 5.2  Med: 13.30 Max: 62.3
Current: 8.96
5.2
62.3
PEG 0.55
SSBI's PEG is ranked higher than
79% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. SSBI: 0.55 )
Ranked among companies with meaningful PEG only.
SSBI' s 10-Year PEG Range
Min: 0.43  Med: 0.70 Max: 2.03
Current: 0.55
0.43
2.03
Shiller P/E 21.17
SSBI's Shiller P/E is ranked lower than
66% of the 769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.77 vs. SSBI: 21.17 )
Ranked among companies with meaningful Shiller P/E only.
SSBI' s 10-Year Shiller P/E Range
Min: 7  Med: 19.46 Max: 26.37
Current: 21.17
7
26.37
Days Sales Outstanding 62.60
SSBI's Days Sales Outstanding is ranked lower than
68% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 33.80 vs. SSBI: 62.60 )
Ranked among companies with meaningful Days Sales Outstanding only.
SSBI' s 10-Year Days Sales Outstanding Range
Min: 73.2  Med: 134.53 Max: 172.75
Current: 62.6
73.2
172.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.42
SSBI's Dividend Yield is ranked higher than
67% of the 2216 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. SSBI: 3.42 )
Ranked among companies with meaningful Dividend Yield only.
SSBI' s 10-Year Dividend Yield Range
Min: 0.64  Med: 4.96 Max: 8.45
Current: 3.42
0.64
8.45
Dividend Payout 0.37
SSBI's Dividend Payout is ranked lower than
56% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SSBI: 0.37 )
Ranked among companies with meaningful Dividend Payout only.
SSBI' s 10-Year Dividend Payout Range
Min: 0.3  Med: 0.72 Max: 9
Current: 0.37
0.3
9
Dividend growth (3y) 6.90
SSBI's Dividend growth (3y) is ranked lower than
51% of the 664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SSBI: 6.90 )
Ranked among companies with meaningful Dividend growth (3y) only.
SSBI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 26
Current: 6.9
0
26
Yield on cost (5-Year) 4.22
SSBI's Yield on cost (5-Year) is ranked higher than
65% of the 2229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. SSBI: 4.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SSBI' s 10-Year Yield on cost (5-Year) Range
Min: 0.79  Med: 6.12 Max: 10.43
Current: 4.22
0.79
10.43
Share Buyback Rate -0.60
SSBI's Share Buyback Rate is ranked higher than
63% of the 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SSBI: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
SSBI' s 10-Year Share Buyback Rate Range
Min: 0.4  Med: -0.35 Max: -12.9
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.24
SSBI's Price/Tangible Book is ranked lower than
53% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. SSBI: 1.24 )
Ranked among companies with meaningful Price/Tangible Book only.
SSBI' s 10-Year Price/Tangible Book Range
Min: 0.5  Med: 0.77 Max: 1.44
Current: 1.24
0.5
1.44
Price/Projected FCF 0.54
SSBI's Price/Projected FCF is ranked higher than
67% of the 749 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. SSBI: 0.54 )
Ranked among companies with meaningful Price/Projected FCF only.
SSBI' s 10-Year Price/Projected FCF Range
Min: 0.25  Med: 0.40 Max: 0.72
Current: 0.54
0.25
0.72
Price/Median PS Value 1.34
SSBI's Price/Median PS Value is ranked lower than
76% of the 1195 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SSBI: 1.34 )
Ranked among companies with meaningful Price/Median PS Value only.
SSBI' s 10-Year Price/Median PS Value Range
Min: 0.57  Med: 0.96 Max: 2.22
Current: 1.34
0.57
2.22
Price/Peter Lynch Fair Value 0.45
SSBI's Price/Peter Lynch Fair Value is ranked higher than
86% of the 336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. SSBI: 0.45 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SSBI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.44  Med: 0.73 Max: 1.95
Current: 0.45
0.44
1.95
Price/Graham Number 0.68
SSBI's Price/Graham Number is ranked higher than
69% of the 1086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SSBI: 0.68 )
Ranked among companies with meaningful Price/Graham Number only.
SSBI' s 10-Year Price/Graham Number Range
Min: 0.46  Med: 0.68 Max: 1.19
Current: 0.68
0.46
1.19
Earnings Yield (Greenblatt) (%) 11.20
SSBI's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. SSBI: 11.20 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SSBI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.6  Med: 7.50 Max: 19.4
Current: 11.2
1.6
19.4
Forward Rate of Return (Yacktman) (%) 33.06
SSBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
80% of the 764 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.55 vs. SSBI: 33.06 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SSBI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -8.3  Med: 28.90 Max: 54.8
Current: 33.06
-8.3
54.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Summit State Bank was incorporated on December 20, 1982. It is a state-chartered commercial bank which provides banking services to individuals and businesses in the area of Sonoma County in California. It operates through five offices located in Santa Rosa, Petaluma, Rohnert Park and Healdsburg. It offers depository and lending services to meet the needs of its business and individual clientele. These services include a variety of transaction, money market, savings and time deposit account alternatives. The Bank's lending activities are directed towards commercial real estate, construction and business loans. It provides a comprehensive set of loan products, such as commercial loans and leases, lines of credit, commercial real estate loans, Small Business Administration, or SBA, loans, residential mortgage loans, home equity lines of credit and construction loans. It also provides financial services to small-to medium-sized businesses, and their owners and employees, professionals and professional associations, entrepreneurs, net worth families, foundations, estates and to individual consumer. The Bank offers a range of deposit accounts designed to attract commercial businesses, professionals, and residents in its primary service area. These accounts include personal and business checking accounts, money market accounts, time certificates of deposit, sweep accounts and specialized deposit accounts, including professional accounts, small business accounts, and tiered accounts designed to attract larger deposits, and Keogh and IRA accounts. It also offers a complement of lending products designed to meet the specialized needs of its customers, including commercial and industrial lines of credit and term loans, credit lines to individuals, equipment loans, real estate and construction loans, small business loans of which a portion may be guaranteed by the SBA, and business lines of credit. It also offers consumer loans, including auto loans, mortgage loans, home improvement loans, and home equity lines of credit. The services which the Bank offers include banking by appointment, online banking services, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier services, safe deposit boxes, night depository facilities, notary services, travelers checks, lockbox, and banking by mail. The Bank competes for customers' funds with governmental and private entities issuing debt or equity securities or other forms of investments which may offer different or higher yields than those available through bank deposits. The Bank is subject to extensive state and federal regulation, supervision and legislation, and the laws that govern the Bank and its operations are subject to change from time to time.

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