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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

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

» SSBI's 10-Y Financials


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

» Details

Insider Trades

Latest Guru Trades with SSBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Dividend & Buy Back

Dividend Yield 3.40
SSBI's Dividend Yield is ranked higher than
71% of the 1413 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.42 vs. SSBI: 3.40 )
SSBI' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 3.4

Dividend Payout 0.51
SSBI's Dividend Payout is ranked higher than
62% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.48 vs. SSBI: 0.51 )
SSBI' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 0.51

Yield on cost (5-Year) 3.40
SSBI's Yield on cost (5-Year) is ranked higher than
63% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. SSBI: 3.40 )
SSBI' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 3.4

Valuation & Return


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. The Bank operates through five offices located in Santa Rosa, Rohnert Park, Healdsburg and Petaluma. It offers depository and lending services mainly to meet the needs of its business and individual clientele. These services include a variety of transactions, money market, savings and time deposit account alternatives. The Bank 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 competes for deposits and loans with these banks as well as with savings and loan associations, credit unions, mortgage companies, money market funds, stock brokerage firms, insurance companies, and other traditional and non-traditional financial institutions. The Bank is extensively regulated by federal and state authorities.

Personalized Checklist

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Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
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Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
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