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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

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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

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» SSBI's 10-Y Financials

Financials


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

» Details

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Ratios

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P/S 2.50
SSBI's P/S is ranked higher than
54% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SSBI: 2.50 )
SSBI' s 10-Year P/S Range
Min: 0   Max: 2.3
Current: 2.5

0
2.3
EV-to-EBIT 9.7
SSBI's EV-to-EBIT is ranked higher than
65% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. SSBI: 9.7 )
SSBI' s 10-Year EV-to-EBIT Range
Min: 0   Max: 0
Current: 9.7

Dividend & Buy Back

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Dividend Yield 4.00
SSBI's Dividend Yield is ranked higher than
93% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. SSBI: 4.00 )
SSBI' s 10-Year Dividend Yield Range
Min: 0   Max: 0
Current: 4

Dividend Payout 1.0174
SSBI's Dividend Payout is ranked higher than
51% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.42 vs. SSBI: 1.0174 )
SSBI' s 10-Year Dividend Payout Range
Min: 0   Max: 0
Current: 1.02

Yield on cost (5-Year) 4.20
SSBI's Yield on cost (5-Year) is ranked higher than
90% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. SSBI: 4.20 )
SSBI' s 10-Year Yield on cost (5-Year) Range
Min: 0   Max: 0
Current: 4.2

Valuation & Return

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Business Description

Summit State Bank delivers a range of banking products and financial resources to individuals and businesses in Santa Rosa, California. The company offers checking, money market accounts, tiered savings, certificate of deposits, and retirement accounts. It offers loan products in the form of business, real estate, construction, and personal credit. Personal credit products include home equity lines of credit, home equity loans, mortgage loans, car loans, educational loans, and credit and debit cards. Online banking, cash management, and remote deposits are offered via SummitOnline Banking.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
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