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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 0.29
SSBI's Cash to Debt is ranked lower than
81% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.11 vs. SSBI: 0.29 )
Ranked among companies with meaningful Cash to Debt only.
SSBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.29 Max: 0.64
Current: 0.29
0.07
0.64
Equity to Asset 0.11
SSBI's Equity to Asset is ranked higher than
56% of the 1597 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 10.96
SSBI's Interest Coverage is ranked higher than
90% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. SSBI: 10.96 )
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: 10.96
0.19
10.96
F-Score: 4
M-Score: -2.38
WACC vs ROIC
3.38%
6.66%
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 (%) 50.59
SSBI's Operating margin (%) is ranked higher than
84% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.80 vs. SSBI: 50.59 )
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: 50.59
15.54
50.58
Net-margin (%) 29.74
SSBI's Net-margin (%) is ranked higher than
71% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.22 vs. SSBI: 29.74 )
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: 29.74
9.14
29.73
ROE (%) 9.26
SSBI's ROE (%) is ranked higher than
57% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. SSBI: 9.26 )
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: 9.26
1.95
9.51
ROA (%) 1.23
SSBI's ROA (%) is ranked higher than
72% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. SSBI: 1.23 )
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: 1.23
0.29
1.24
Revenue Growth (3Y)(%) 0.20
SSBI's Revenue Growth (3Y)(%) is ranked lower than
65% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. SSBI: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SSBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -13.9  Med: 7 Max: 169.6
Current: 0.2
-13.9
169.6
EBITDA Growth (3Y)(%) 16.70
SSBI's EBITDA Growth (3Y)(%) is ranked higher than
77% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. SSBI: 16.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SSBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.3  Med: 15.8 Max: 26.2
Current: 16.7
-32.3
26.2
EPS Growth (3Y)(%) 25.70
SSBI's EPS Growth (3Y)(%) is ranked higher than
83% of the 1206 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SSBI: 25.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SSBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.1  Med: 13.3 Max: 49.8
Current: 25.7
-39.1
49.8
» SSBI's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:UBOH, OTCPK:CRLN, NAS:CWBC, OTCPK:FFHD, NAS:FUNC, NAS:ASRV, OTCPK:PBAM, NAS:SBFG, NAS:USBI, OTCPK:CMOH, OTCPK:NWYF, OTCPK:HARL, OTCPK:SCZC, OTCPK:CLDB, OTCBB:CSBB, NAS:SFBC, OTCPK:BNCC, OTCPK:JFBC, NAS:MGYR, NAS:CWAY » 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
P/E(ttm) 11.06
SSBI's P/E(ttm) is ranked higher than
63% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.14 vs. SSBI: 11.06 )
Ranked among companies with meaningful P/E(ttm) only.
SSBI' s P/E(ttm) Range Over the Past 10 Years
Min: 9.78  Med: 15.52 Max: 45.59
Current: 11.06
9.78
45.59
PE(NRI) 11.06
SSBI's PE(NRI) is ranked higher than
63% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.17 vs. SSBI: 11.06 )
Ranked among companies with meaningful PE(NRI) only.
SSBI' s PE(NRI) Range Over the Past 10 Years
Min: 9.78  Med: 15.56 Max: 46.57
Current: 11.06
9.78
46.57
Price/Owner Earnings (ttm) 10.10
SSBI's Price/Owner Earnings (ttm) is ranked higher than
64% of the 847 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.82 vs. SSBI: 10.10 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SSBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.13  Med: 9.78 Max: 146.67
Current: 10.1
5.13
146.67
P/B 1.13
SSBI's P/B is ranked lower than
55% of the 1585 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. SSBI: 1.13 )
Ranked among companies with meaningful P/B only.
SSBI' s P/B Range Over the Past 10 Years
Min: 0.42  Med: 0.79 Max: 1.41
Current: 1.13
0.42
1.41
P/S 3.24
SSBI's P/S is ranked lower than
55% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. SSBI: 3.24 )
Ranked among companies with meaningful P/S only.
SSBI' s P/S Range Over the Past 10 Years
Min: 1.3  Med: 2.47 Max: 3.84
Current: 3.24
1.3
3.84
PFCF 14.85
SSBI's PFCF is ranked lower than
66% of the 810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. SSBI: 14.85 )
Ranked among companies with meaningful PFCF only.
SSBI' s PFCF Range Over the Past 10 Years
Min: 2.2  Med: 11.38 Max: 243.4
Current: 14.85
2.2
243.4
POCF 14.58
SSBI's POCF is ranked lower than
73% of the 913 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.21 vs. SSBI: 14.58 )
Ranked among companies with meaningful POCF only.
SSBI' s POCF Range Over the Past 10 Years
Min: 2.13  Med: 7.88 Max: 46.36
Current: 14.58
2.13
46.36
EV-to-EBIT 10.19
SSBI's EV-to-EBIT is ranked higher than
61% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.74 vs. SSBI: 10.19 )
Ranked among companies with meaningful EV-to-EBIT only.
SSBI' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.6  Med: 10.8 Max: 62.3
Current: 10.19
3.6
62.3
EV-to-EBITDA 9.81
SSBI's EV-to-EBITDA is ranked higher than
59% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.33 vs. SSBI: 9.81 )
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 Max: 34.5
Current: 9.81
3.5
34.5
PEG 0.49
SSBI's PEG is ranked higher than
80% of the 735 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. SSBI: 0.49 )
Ranked among companies with meaningful PEG only.
SSBI' s PEG Range Over the Past 10 Years
Min: 0.39  Med: 0.58 Max: 5.1
Current: 0.49
0.39
5.1
Shiller P/E 20.68
SSBI's Shiller P/E is ranked lower than
60% of the 493 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.48 vs. SSBI: 20.68 )
Ranked among companies with meaningful Shiller P/E only.
SSBI' s Shiller P/E Range Over the Past 10 Years
Min: 16.57  Med: 20.15 Max: 21.42
Current: 20.68
16.57
21.42

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.53
SSBI's Dividend Yield is ranked higher than
62% of the 2183 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. SSBI: 3.53 )
Ranked among companies with meaningful Dividend Yield only.
SSBI' s Dividend Yield Range Over the Past 10 Years
Min: 0.64  Med: 4.44 Max: 8.45
Current: 3.53
0.64
8.45
Dividend Payout 0.39
SSBI's Dividend Payout is ranked lower than
61% of the 1319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SSBI: 0.39 )
Ranked among companies with meaningful Dividend Payout only.
SSBI' s Dividend Payout Range Over the Past 10 Years
Min: 0.26  Med: 0.74 Max: 1.71
Current: 0.39
0.26
1.71
Dividend Growth (3y) 10.10
SSBI's Dividend Growth (3y) is ranked higher than
54% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. SSBI: 10.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SSBI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 26
Current: 10.1
0
26
Forward Dividend Yield 3.53
SSBI's Forward Dividend Yield is ranked higher than
59% of the 2080 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.09 vs. SSBI: 3.53 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.84
SSBI's Yield on cost (5-Year) is ranked higher than
65% of the 2525 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.49 vs. SSBI: 4.84 )
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: 0.88  Med: 6.1 Max: 11.58
Current: 4.84
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 1044 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 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/Tangible Book 1.22
SSBI's Price/Tangible Book is ranked lower than
55% of the 1577 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. SSBI: 1.22 )
Ranked among companies with meaningful Price/Tangible Book only.
SSBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 0.83 Max: 1.43
Current: 1.22
0.5
1.43
Price/Projected FCF 0.59
SSBI's Price/Projected FCF is ranked higher than
63% of the 832 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. SSBI: 0.59 )
Ranked among companies with meaningful Price/Projected FCF only.
SSBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.24  Med: 0.48 Max: 0.72
Current: 0.59
0.24
0.72
Price/Median PS Value 1.31
SSBI's Price/Median PS Value is ranked lower than
78% of the 1483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. SSBI: 1.31 )
Ranked among companies with meaningful Price/Median PS Value only.
SSBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.57  Med: 0.97 Max: 1.44
Current: 1.31
0.57
1.44
Price/Peter Lynch Fair Value 0.44
SSBI's Price/Peter Lynch Fair Value is ranked higher than
89% of the 383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. SSBI: 0.44 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SSBI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.45  Med: 0.64 Max: 1.08
Current: 0.44
0.45
1.08
Price/Graham Number 0.77
SSBI's Price/Graham Number is ranked higher than
59% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. SSBI: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
SSBI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.59  Med: 0.79 Max: 1.09
Current: 0.77
0.59
1.09
Earnings Yield (Greenblatt) (%) 9.80
SSBI's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. SSBI: 9.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SSBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.6  Med: 9.3 Max: 27.6
Current: 9.8
1.6
27.6
Forward Rate of Return (Yacktman) (%) 32.62
SSBI's Forward Rate of Return (Yacktman) (%) is ranked higher than
84% of the 851 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.77 vs. SSBI: 32.62 )
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: -14.3  Med: 27.2 Max: 33.5
Current: 32.62
-14.3
33.5

More Statistics

Revenue (TTM) (Mil) $20.28
EPS (TTM) $ 1.23
Beta0.43
Short Percentage of Float0.08%
52-Week Range $12.89 - 14.25
Shares Outstanding (Mil)4.78
» More Articles for SSBI

Headlines

Articles On GuruFocus.com
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More From Other Websites
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 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 (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
Summit State Bank Reports a 10% Increase in Net Income for 2015 and Declaration of Dividend Jan 26 2016
Tom Duryea Appointed to National Council for Community Bank Leaders Jan 20 2016
Kim August and Kevin Gross promoted to Senior Vice President and Senior Relationship Manager Jan 15 2016
Summit State Bank Welcomes Joe Scaramella as Vice President and Business Development Officer Jan 06 2016
Summit State Bank Promotes Melissa Tunzi to Business Development Officer Jan 06 2016

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