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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.36
SSBI's Cash-to-Debt is ranked lower than
79% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. SSBI: 0.36 )
Ranked among companies with meaningful Cash-to-Debt only.
SSBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.32 Max: 0.64
Current: 0.36
0.07
0.64
Equity-to-Asset 0.11
SSBI's Equity-to-Asset is ranked higher than
58% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SSBI: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
SSBI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.14 Max: 0.16
Current: 0.11
0.08
0.16
Interest Coverage 6.85
SSBI's Interest Coverage is ranked higher than
86% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SSBI: 6.85 )
Ranked among companies with meaningful Interest Coverage only.
SSBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 2.1 Max: 10.96
Current: 6.85
0.19
10.96
Beneish M-Score: -2.69
WACC vs ROIC
3.44%
5.07%
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 : 4/10

vs
industry
vs
history
Operating Margin % 40.83
SSBI's Operating Margin % is ranked higher than
72% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. SSBI: 40.83 )
Ranked among companies with meaningful Operating Margin % only.
SSBI' s Operating Margin % Range Over the Past 10 Years
Min: 15.54  Med: 28.57 Max: 50.58
Current: 40.83
15.54
50.58
Net Margin % 24.01
SSBI's Net Margin % is ranked higher than
54% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. SSBI: 24.01 )
Ranked among companies with meaningful Net Margin % only.
SSBI' s Net Margin % Range Over the Past 10 Years
Min: 9.14  Med: 16.79 Max: 29.73
Current: 24.01
9.14
29.73
ROE % 8.44
SSBI's ROE % is ranked lower than
51% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. SSBI: 8.44 )
Ranked among companies with meaningful ROE % only.
SSBI' s ROE % Range Over the Past 10 Years
Min: 1.95  Med: 4.4 Max: 9.51
Current: 8.44
1.95
9.51
ROA % 0.96
SSBI's ROA % is ranked higher than
55% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SSBI: 0.96 )
Ranked among companies with meaningful ROA % only.
SSBI' s ROA % Range Over the Past 10 Years
Min: 0.29  Med: 0.72 Max: 1.24
Current: 0.96
0.29
1.24
3-Year Revenue Growth Rate -3.40
SSBI's 3-Year Revenue Growth Rate is ranked lower than
81% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SSBI: -3.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SSBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -13.9  Med: 5.45 Max: 169.4
Current: -3.4
-13.9
169.4
3-Year EBITDA Growth Rate -4.40
SSBI's 3-Year EBITDA Growth Rate is ranked lower than
79% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SSBI: -4.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SSBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -32.3  Med: 8.3 Max: 26.2
Current: -4.4
-32.3
26.2
3-Year EPS without NRI Growth Rate -1.20
SSBI's 3-Year EPS without NRI Growth Rate is ranked lower than
73% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SSBI: -1.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SSBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -39.1  Med: 7.9 Max: 48.4
Current: -1.2
-39.1
48.4
GuruFocus has detected 4 Warning Signs with Summit State Bank $SSBI.
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» SSBI's 10-Y Financials

Financials (Next Earnings Date: 2017-07-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Q4 2016

SSBI Guru Trades in Q4 2016

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
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Headquarter Location:USA
Summit State Bank is a state-chartered commercial bank which provides banking services to individuals and businesses. It offers depository and lending services to meet the needs of its business and individual clientele.

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.

Ratios

vs
industry
vs
history
PE Ratio 19.70
SSBI's PE Ratio is ranked lower than
72% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. SSBI: 19.70 )
Ranked among companies with meaningful PE Ratio only.
SSBI' s PE Ratio Range Over the Past 10 Years
Min: 10.17  Med: 16.83 Max: 45.79
Current: 19.7
10.17
45.79
PE Ratio without NRI 19.70
SSBI's PE Ratio without NRI is ranked lower than
72% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. SSBI: 19.70 )
Ranked among companies with meaningful PE Ratio without NRI only.
SSBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.89  Med: 16.7 Max: 47.45
Current: 19.7
9.89
47.45
Price-to-Owner-Earnings 17.35
SSBI's Price-to-Owner-Earnings is ranked lower than
64% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. SSBI: 17.35 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SSBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.13  Med: 10.1 Max: 149.5
Current: 17.35
5.13
149.5
PB Ratio 1.08
SSBI's PB Ratio is ranked higher than
58% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SSBI: 1.08 )
Ranked among companies with meaningful PB Ratio only.
SSBI' s PB Ratio Range Over the Past 10 Years
Min: 0.34  Med: 0.65 Max: 1.16
Current: 1.08
0.34
1.16
PS Ratio 3.99
SSBI's PS Ratio is ranked lower than
62% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. SSBI: 3.99 )
Ranked among companies with meaningful PS Ratio only.
SSBI' s PS Ratio Range Over the Past 10 Years
Min: 1.3  Med: 2.52 Max: 4.33
Current: 3.99
1.3
4.33
Price-to-Free-Cash-Flow 16.22
SSBI's Price-to-Free-Cash-Flow is ranked lower than
68% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. SSBI: 16.22 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SSBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.2  Med: 10.38 Max: 46.47
Current: 16.22
2.2
46.47
Price-to-Operating-Cash-Flow 15.48
SSBI's Price-to-Operating-Cash-Flow is ranked lower than
73% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. SSBI: 15.48 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SSBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.13  Med: 8.71 Max: 46.47
Current: 15.48
2.13
46.47
EV-to-EBIT 12.88
SSBI's EV-to-EBIT is ranked higher than
50% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. SSBI: 12.88 )
Ranked among companies with meaningful EV-to-EBIT only.
SSBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.6  Med: 11.4 Max: 62.3
Current: 12.88
3.6
62.3
EV-to-EBITDA 12.39
SSBI's EV-to-EBITDA is ranked lower than
53% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. SSBI: 12.39 )
Ranked among companies with meaningful EV-to-EBITDA only.
SSBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.5  Med: 10.4 Max: 34.5
Current: 12.39
3.5
34.5
PEG Ratio 2.67
SSBI's PEG Ratio is ranked lower than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. SSBI: 2.67 )
Ranked among companies with meaningful PEG Ratio only.
SSBI' s PEG Ratio Range Over the Past 10 Years
Min: 0.49  Med: 0.69 Max: 5.11
Current: 2.67
0.49
5.11
Shiller PE Ratio 26.95
SSBI's Shiller PE Ratio is ranked lower than
70% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. SSBI: 26.95 )
Ranked among companies with meaningful Shiller PE Ratio only.
SSBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 15.71  Med: 21.91 Max: 29.42
Current: 26.95
15.71
29.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.96
SSBI's Dividend Yield % is ranked higher than
55% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. SSBI: 2.96 )
Ranked among companies with meaningful Dividend Yield % only.
SSBI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.64  Med: 4.18 Max: 8.45
Current: 2.96
0.64
8.45
Dividend Payout Ratio 0.59
SSBI's Dividend Payout Ratio is ranked lower than
83% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SSBI: 0.59 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SSBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.49  Med: 0.74 Max: 1.71
Current: 0.59
0.49
1.71
3-Year Dividend Growth Rate 4.60
SSBI's 3-Year Dividend Growth Rate is ranked lower than
60% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SSBI: 4.60 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SSBI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 26
Current: 4.6
0
26
Forward Dividend Yield % 3.00
SSBI's Forward Dividend Yield % is ranked higher than
50% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. SSBI: 3.00 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.12
SSBI's 5-Year Yield-on-Cost % is ranked higher than
60% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. SSBI: 4.12 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SSBI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.89  Med: 5.84 Max: 11.8
Current: 4.12
0.89
11.8
3-Year Average Share Buyback Ratio -0.30
SSBI's 3-Year Average Share Buyback Ratio is ranked higher than
69% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. SSBI: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SSBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -12.2  Med: -0.3 Max: 7.2
Current: -0.3
-12.2
7.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.15
SSBI's Price-to-Tangible-Book is ranked higher than
56% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. SSBI: 1.15 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SSBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.4  Med: 0.7 Max: 1.16
Current: 1.15
0.4
1.16
Price-to-Intrinsic-Value-Projected-FCF 0.93
SSBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
66% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. SSBI: 0.93 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SSBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.22  Med: 0.43 Max: 0.94
Current: 0.93
0.22
0.94
Price-to-Median-PS-Value 1.58
SSBI's Price-to-Median-PS-Value is ranked lower than
83% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. SSBI: 1.58 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SSBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.56  Med: 1.09 Max: 1.6
Current: 1.58
0.56
1.6
Price-to-Peter-Lynch-Fair-Value 1.51
SSBI's Price-to-Peter-Lynch-Fair-Value is ranked lower than
62% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SSBI: 1.51 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SSBI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.5  Med: 0.72 Max: 1.52
Current: 1.51
0.5
1.52
Price-to-Graham-Number 1.00
SSBI's Price-to-Graham-Number is ranked lower than
54% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. SSBI: 1.00 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SSBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.52  Med: 0.79 Max: 1.01
Current: 1
0.52
1.01
Earnings Yield (Greenblatt) % 7.77
SSBI's Earnings Yield (Greenblatt) % is ranked higher than
61% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. SSBI: 7.77 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SSBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.6  Med: 8.8 Max: 27.6
Current: 7.77
1.6
27.6
Forward Rate of Return (Yacktman) % 20.42
SSBI's Forward Rate of Return (Yacktman) % is ranked higher than
72% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. SSBI: 20.42 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SSBI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -11.9  Med: 28 Max: 35.6
Current: 20.42
-11.9
35.6

More Statistics

Revenue (TTM) (Mil) $20.69
EPS (TTM) $ 0.66
Beta0.58
Short Percentage of Float0.03%
52-Week Range $10.48 - 15.28
Shares Outstanding (Mil)4.82

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