Switch to:

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 : 3/10

vs
industry
vs
history
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 : 3/10

vs
industry
vs
history
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SSBI's 10-Y Financials

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


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

» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:SFBC, NAS:UBCP, NAS:EBMT, NAS:MGYR, OTCPK:HARL, NAS:CWAY, NAS:SBFG, NAS:CWBC, NAS:BYBK, NAS:ASRV, NAS:PFBX, OTCPK:CMTV, OTCPK:CRLN, OTCPK:CLDB, NAS:PLBC, NAS:UBOH, OTCPK:COFS, NAS:BOTJ, NAS:FUSB, OTCPK:JFBC » details
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

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.16
SSBI's Dividend Yield is ranked higher than
58% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. SSBI: 3.16 )
Ranked among companies with meaningful Dividend Yield only.
SSBI' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.2
Current: 3.16
0
3.2
Dividend Payout 0.42
SSBI's Dividend Payout is ranked lower than
66% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. SSBI: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
SSBI' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.42
Current: 0.42
0
0.42
Forward Dividend Yield 3.18
SSBI's Forward Dividend Yield is ranked higher than
55% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. SSBI: 3.18 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.16
SSBI's Yield on cost (5-Year) is ranked lower than
53% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. SSBI: 3.16 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SSBI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.2
Current: 3.16
0
3.2

Valuation & Return

vs
industry
vs
history

More Statistics

Revenue (TTM) (Mil) $19.74
EPS (TTM) $ 1.15
Beta0.52
Short Percentage of Float0.03%
52-Week Range $13.07 - 15.45
Shares Outstanding (Mil)4.78
» More Articles for SSBI

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
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
Summit State Bank Welcomes Brian Reed as Executive Vice President and Chief Credit Officer Nov 14 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 Reports Third Quarter Operating Results and Declaration of Dividend Oct 25 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
Tom Duryea Concludes 8 Years as CEO at Summit State Bank Apr 19 2016
Summit State Bank (California) Earnings Analysis: 2015 By the Numbers Feb 04 2016

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)