SMAL (Summit Bancshares,) Beginning Cash Position: $20.50 Mil (As of Dec. 2025)

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SMAL Summit Bancshares, Inc. SMAL
62 GF Score
Price $57.95
GF Value $40.30
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Summit Bancshares, Beginning Cash Position?

Summit Bancshares, SMAL -0.52% 62 Beginning Cash Position is $20.50 Mil as of Dec. 2025. GuruFocus rates SMAL with a GF Score™ of 62/100 and a GF Value™ of $40.30 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Summit Bancshares,'s Beginning Cash Position for the quarter that ended in Dec. 2025 was $20.50 Mil.

Summit Bancshares,'s quarterly Beginning Cash Position declined from Dec. 2023 ($85.35 Mil) to Dec. 2024 ($48.65 Mil) and declined from Dec. 2024 ($48.65 Mil) to Dec. 2025 ($20.50 Mil).

Summit Bancshares,'s annual Beginning Cash Position declined from Dec. 2023 ($85.35 Mil) to Dec. 2024 ($48.65 Mil) and declined from Dec. 2024 ($48.65 Mil) to Dec. 2025 ($20.50 Mil).

Summit Bancshares, Beginning Cash Position Related Terms

Summit Bancshares, Beginning Cash Position Historical Data

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The historical data trend for Summit Bancshares,'s Beginning Cash Position can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Summit Bancshares, Beginning Cash Position Chart

Summit Bancshares, Annual Data
Trend Dec10 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 39.77 128.47 85.35 48.65 20.50

Summit Bancshares, Semi-Annual Data
Dec99 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Beginning Cash Position Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 39.77 128.47 85.35 48.65 20.50
SMAL
62GF Score
Summit Bancshares, Inc. SMAL
Beginning Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Summit Bancshares, Beginning Cash Position Calculation

Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement.

What does a Beginning Cash Position of $20.50 Mil mean?
Summit Bancshares, (SMAL) has a Beginning Cash Position of $20.50 Mil as of Dec. 2025. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Summit Bancshares, and its competitors.
Is Summit Bancshares,'s Beginning Cash Position too high?
Summit Bancshares,'s current Beginning Cash Position is $20.50 Mil. Overall, Summit Bancshares, has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bancshares,'s Beginning Cash Position compare to CLST and LSFG?
Summit Bancshares,'s Beginning Cash Position of $20.50 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beginning Cash Position for a Banks company?
A good Beginning Cash Position depends on the Banks industry context. However, Beginning Cash Position should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beginning Cash Position mean?
A high Beginning Cash Position can signal that a stock is expensive relative to its fundamentals. Beginning Cash Position is the cash and equivalents balance at the beginning of the accounting period, as indicated on the Cash Flow statement. View historical data on Summit Bancshares, and its competitors. Summit Bancshares,'s current Beginning Cash Position is $20.50 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bancshares, stock overvalued right now?
Based on GuruFocus' analysis, Summit Bancshares, (SMAL) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.30, compared to a current price of $57.95 — trading 43.8% above its estimated fair value. The current Beginning Cash Position is $20.50 Mil. Summit Bancshares,'s overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Beginning Cash Position calculated?
Beginning Cash Position is calculated from a company's financial statements. For Summit Bancshares, (SMAL), the current Beginning Cash Position is $20.50 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Summit Bancshares, (SMAL) Overvalued in 2026?

Based on GuruFocus' analysis, Summit Bancshares, stock appears to be overvalued. The current stock price of $57.95 is trading 43.8% above its estimated GF Value™ of $40.30. GuruFocus considers Summit Bancshares, to be Significantly Overvalued.

Key valuation signals for SMAL:

  • Beginning Cash Position: $20.50 Mil
  • GF Value™: $40.30 vs. price of $57.95 (43.8% above fair value)
  • GF Score™: 62/100 with 5 warning signs

No single metric tells the full story. See the SMAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Summit Bancshares, Business Description

Address 2969 Broadway, Oakland, CA, USA, 94611
Summit Bancshares, Inc. operates in the banking industry. It offers personal banking, business banking, and other services. The Bank operates approximately three branches and provides commercial credit and other banking services to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors.
62GF Score

Get the complete analysis for SMAL

Beginning Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$57.95
Price
$40.30
GF Value