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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.40
SSBI's Cash-to-Debt is ranked lower than
78% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.14 vs. SSBI: 0.40 )
Ranked among companies with meaningful Cash-to-Debt only.
SSBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.53 Max: N/A
Current: 0.4
Equity-to-Asset 0.12
SSBI's Equity-to-Asset is ranked higher than
67% of the 1614 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SSBI: 0.12 )
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: 0.12
0.08
0.16
Interest Coverage 7.77
SSBI's Interest Coverage is ranked higher than
87% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. SSBI: 7.77 )
Ranked among companies with meaningful Interest Coverage only.
SSBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.19  Med: 1.1 Max: 10.96
Current: 7.77
0.19
10.96
Piotroski F-Score: 5
Beneish M-Score: -2.71
WACC vs ROIC
4.84%
5.44%
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 % 42.36
SSBI's Operating Margin % is ranked higher than
74% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.10 vs. SSBI: 42.36 )
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: 42.36
15.54
50.58
Net Margin % 24.90
SSBI's Net Margin % is ranked higher than
57% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.46 vs. SSBI: 24.90 )
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: 24.9
9.14
29.73
ROE % 8.49
SSBI's ROE % is ranked higher than
50% of the 1623 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. SSBI: 8.49 )
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: 8.49
1.95
9.51
ROA % 1.01
SSBI's ROA % is ranked higher than
59% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. SSBI: 1.01 )
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: 1.01
0.29
1.24
3-Year Revenue Growth Rate 0.20
SSBI's 3-Year Revenue Growth Rate is ranked lower than
70% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. SSBI: 0.20 )
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: 7 Max: 169.6
Current: 0.2
-13.9
169.6
3-Year EBITDA Growth Rate 16.70
SSBI's 3-Year EBITDA Growth Rate is ranked higher than
76% of the 1264 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. SSBI: 16.70 )
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: 15.8 Max: 26.2
Current: 16.7
-32.3
26.2
3-Year EPS without NRI Growth Rate 25.70
SSBI's 3-Year EPS without NRI Growth Rate is ranked higher than
83% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. SSBI: 25.70 )
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: 13.3 Max: 49.8
Current: 25.7
-39.1
49.8
GuruFocus has detected 6 Warning Signs with Summit State Bank $SSBI.
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» SSBI's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-04-26)


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

» Details

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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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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 16.66
SSBI's PE Ratio is ranked lower than
60% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. SSBI: 16.66 )
Ranked among companies with meaningful PE Ratio only.
SSBI' s PE Ratio Range Over the Past 10 Years
Min: 9.78  Med: 14.81 Max: 45.59
Current: 16.66
9.78
45.59
PE Ratio without NRI 16.66
SSBI's PE Ratio without NRI is ranked lower than
59% of the 1517 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.53 vs. SSBI: 16.66 )
Ranked among companies with meaningful PE Ratio without NRI only.
SSBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.78  Med: 14.83 Max: 46.57
Current: 16.66
9.78
46.57
Price-to-Owner-Earnings 14.27
SSBI's Price-to-Owner-Earnings is ranked higher than
53% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.84 vs. SSBI: 14.27 )
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: 9.73 Max: 110.95
Current: 14.27
5.13
110.95
PB Ratio 1.40
SSBI's PB Ratio is ranked lower than
63% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. SSBI: 1.40 )
Ranked among companies with meaningful PB Ratio only.
SSBI' s PB Ratio Range Over the Past 10 Years
Min: 0.42  Med: 0.8 Max: 1.45
Current: 1.4
0.42
1.45
PS Ratio 4.11
SSBI's PS Ratio is ranked lower than
63% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.44 vs. SSBI: 4.11 )
Ranked among companies with meaningful PS Ratio only.
SSBI' s PS Ratio Range Over the Past 10 Years
Min: 1.3  Med: 2.5 Max: 4.19
Current: 4.11
1.3
4.19
Price-to-Free-Cash-Flow 15.32
SSBI's Price-to-Free-Cash-Flow is ranked lower than
51% of the 868 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.80 vs. SSBI: 15.32 )
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: 9.09 Max: 28.58
Current: 15.32
2.2
28.58
Price-to-Operating-Cash-Flow 14.70
SSBI's Price-to-Operating-Cash-Flow is ranked lower than
55% of the 933 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.53 vs. SSBI: 14.70 )
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: 8.27 Max: 28.58
Current: 14.7
2.13
28.58
EV-to-EBIT 13.16
SSBI's EV-to-EBIT is ranked lower than
52% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. SSBI: 13.16 )
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 Max: 62.3
Current: 13.16
3.6
62.3
EV-to-EBITDA 12.63
SSBI's EV-to-EBITDA is ranked lower than
55% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.35 vs. SSBI: 12.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
SSBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.5  Med: 10.2 Max: 34.5
Current: 12.63
3.5
34.5
PEG Ratio 0.73
SSBI's PEG Ratio is ranked higher than
73% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.44 vs. SSBI: 0.73 )
Ranked among companies with meaningful PEG Ratio only.
SSBI' s PEG Ratio Range Over the Past 10 Years
Min: 0.39  Med: 0.63 Max: 5.1
Current: 0.73
0.39
5.1
Shiller PE Ratio 27.21
SSBI's Shiller PE Ratio is ranked lower than
65% of the 489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.50 vs. SSBI: 27.21 )
Ranked among companies with meaningful Shiller PE Ratio only.
SSBI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 16.36  Med: 20.49 Max: 27.75
Current: 27.21
16.36
27.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.71
SSBI's Dividend Yield % is ranked higher than
52% of the 2302 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. SSBI: 2.71 )
Ranked among companies with meaningful Dividend Yield % only.
SSBI' s Dividend Yield % Range Over the Past 10 Years
Min: 0.64  Med: 4.26 Max: 8.45
Current: 2.71
0.64
8.45
Dividend Payout Ratio 0.45
SSBI's Dividend Payout Ratio is ranked lower than
69% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SSBI: 0.45 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SSBI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.26  Med: 0.74 Max: 1.71
Current: 0.45
0.26
1.71
3-Year Dividend Growth Rate 10.10
SSBI's 3-Year Dividend Growth Rate is ranked higher than
57% of the 766 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. SSBI: 10.10 )
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: 10.1
0
26
Forward Dividend Yield % 2.68
SSBI's Forward Dividend Yield % is ranked lower than
52% of the 2243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. SSBI: 2.68 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.71
SSBI's 5-Year Yield-on-Cost % is ranked higher than
55% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. SSBI: 3.71 )
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: 0.88  Med: 5.84 Max: 11.58
Current: 3.71
0.88
11.58
3-Year Average Share Buyback Ratio -0.30
SSBI's 3-Year Average Share Buyback Ratio is ranked higher than
69% of the 1063 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 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: -12.9  Med: -0.3 Max: 0.6
Current: -0.3
-12.9
0.6

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.53
SSBI's Price-to-Tangible-Book is ranked lower than
61% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. SSBI: 1.53 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SSBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.5  Med: 0.86 Max: 1.56
Current: 1.53
0.5
1.56
Price-to-Intrinsic-Value-Projected-FCF 0.69
SSBI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
64% of the 911 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. SSBI: 0.69 )
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: 0.37 Max: 0.72
Current: 0.69
0.22
0.72
Price-to-Median-PS-Value 1.65
SSBI's Price-to-Median-PS-Value is ranked lower than
84% of the 1545 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. SSBI: 1.65 )
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: 0.99 Max: 1.69
Current: 1.65
0.56
1.69
Price-to-Peter-Lynch-Fair-Value 0.81
SSBI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
72% of the 438 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. SSBI: 0.81 )
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: 0.39  Med: 0.66 Max: 1.78
Current: 0.81
0.39
1.78
Price-to-Graham-Number 1.07
SSBI's Price-to-Graham-Number is ranked lower than
58% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SSBI: 1.07 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SSBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.56  Med: 0.79 Max: 1.1
Current: 1.07
0.56
1.1
Earnings Yield (Greenblatt) % 7.57
SSBI's Earnings Yield (Greenblatt) % is ranked higher than
60% of the 1696 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. SSBI: 7.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SSBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.6  Med: 9.1 Max: 27.6
Current: 7.57
1.6
27.6
Forward Rate of Return (Yacktman) % 27.83
SSBI's Forward Rate of Return (Yacktman) % is ranked higher than
82% of the 893 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.05 vs. SSBI: 27.83 )
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: -11.4  Med: 29.7 Max: 35.5
Current: 27.83
-11.4
35.5

More Statistics

Revenue (TTM) (Mil) $20.67
EPS (TTM) $ 1.06
Beta0.58
Short Percentage of Float0.17%
52-Week Range $13.07 - 19.10
Shares Outstanding (Mil)4.82
» More Articles for SSBI

Headlines

Articles On GuruFocus.com
Some of the Most Undervalued Stocks With Rising Prices Feb 15 2017 

More From Other Websites
Summit State Bank Declares Stock Split Feb 09 2017
Summit State Bank (California) :SSBI-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1,... Feb 01 2017
Summit State Bank (California) :SSBI-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
Summit State Bank Reports Net Income for 2016 and Declaration of Dividend Jan 25 2017
Summit State Bank (California) : SSBI-US: Dividend Analysis : November 16th, 2016 (record date) : By... Jan 13 2017
ETFs with exposure to Summit State Bank (California) : December 2, 2016 Dec 02 2016
ETF’s with exposure to Summit State Bank (California) : November 1, 2016 Nov 01 2016
Summit State Bank (California) :SSBI-US: Earnings Analysis: Q3, 2016 By the Numbers : October 26,... Oct 26 2016
Summit State Bank (California) : SSBI-US: Dividend Analysis : August 18th, 2016 (record date) : By... Oct 14 2016
Bridget Doherty Appointed to Summit State Bank’s Board of Directors Aug 23 2016
Summit State Bank Promotes Steve Lindley, Karen Holloway and Genie Del Secco to Senior Vice... Aug 17 2016
Summit State Bank (California) :SSBI-US: Earnings Analysis: Q2, 2016 By the Numbers : August 3, 2016 Aug 03 2016
Summit State Bank Reports Net Income for Second Quarter 2016 and Declaration of Dividend Jul 26 2016
Summit State Bank to Ring NASDAQ Closing Bell on July 11th Jul 11 2016
Summit State Bank (Nasdaq: SSBI) to Ring The Nasdaq Stock Market Closing Bell Jul 08 2016
Summit State Bank Supports New Ag Education and Support Center Jun 14 2016
Community Child Care Council Welcomes Kim August to Board of Directors Jun 08 2016
Summit State Bank Promotes Vanesa Valencia to Assistant Vice President Jun 08 2016
Summit State Bank (California) :SSBI-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 28 2016
Summit State Bank Reports Net Income for First Quarter 2016 and Declaration of Dividend Apr 26 2016

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