SSBI (Summit State Bank) Cyclically Adjusted Revenue per Share: $5.79 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SSBI Summit State Bank SSBI
60 GF Score
Price $12.74
GF Value $9.88
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Summit State Bank Cyclically Adjusted Revenue per Share?

Summit State Bank SSBI 60 Cyclically Adjusted Revenue per Share is $5.79 as of Mar. 2026. GuruFocus rates SSBI with a GF Score™ of 60/100 and a GF Value™ of $9.88 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Summit State Bank's adjusted revenue per share for the three months ended in Mar. 2026 was $1.494. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $5.79 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Summit State Bank's average Cyclically Adjusted Revenue Growth Rate was 5.90% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 6.00% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 9.80% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 8.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Summit State Bank was 13.40% per year. The lowest was 2.10% per year. And the median was 6.30% per year.

As of today (2026-09-09), Summit State Bank's current stock price is $12.74. Summit State Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $5.79. Summit State Bank's Cyclically Adjusted PS Ratio of today is 2.20.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Summit State Bank was 4.82. The lowest was 1.18. And the median was 3.37.


Summit State Bank  (NAS:SSBI) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Summit State Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=12.74/5.79
=2.20

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Summit State Bank was 4.82. The lowest was 1.18. And the median was 3.37.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Summit State Bank Cyclically Adjusted Revenue per Share Related Terms


Summit State Bank Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Summit State Bank's Cyclically Adjusted Revenue per Share 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 State Bank Cyclically Adjusted Revenue per Share Chart

Summit State Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.08 4.73 5.13 5.39 5.64

Summit State Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue per Share 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 5.57 5.65 5.64 5.79 0.00

SSBI vs BKOR, CIWV, SLRK: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Summit State Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Summit State Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Summit State Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Summit State Bank's Cyclically Adjusted PS Ratio falls into.


SSBI
60GF Score
Summit State Bank SSBI
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Summit State Bank Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Summit State Bank's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.494/330.2130*330.2130
=1.494

Current CPI (Mar. 2026) = 330.2130.

Summit State Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 0.848 241.018 1.162
201609 0.732 241.428 1.001
201612 0.756 241.432 1.034
201703 0.718 243.801 0.972
201706 0.720 244.955 0.971
201709 0.742 246.819 0.993
201712 0.863 246.524 1.156
201803 0.911 249.554 1.205
201806 0.865 251.989 1.134
201809 0.893 252.439 1.168
201812 0.914 251.233 1.201
201903 0.904 254.202 1.174
201906 0.874 256.143 1.127
201909 1.014 256.759 1.304
201912 1.015 256.974 1.304
202003 1.265 258.115 1.618
202006 1.178 257.797 1.509
202009 1.336 260.280 1.695
202012 1.372 260.474 1.739
202103 1.480 264.877 1.845
202106 1.582 271.696 1.923
202109 1.638 274.310 1.972
202112 1.594 278.802 1.888
202203 1.771 287.504 2.034
202206 1.893 296.311 2.110
202209 1.801 296.808 2.004
202212 1.957 296.797 2.177
202303 1.794 301.836 1.963
202306 1.659 305.109 1.796
202309 1.402 307.789 1.504
202312 1.160 306.746 1.249
202403 1.248 312.332 1.319
202406 1.174 314.175 1.234
202409 1.238 315.301 1.297
202412 1.216 315.605 1.272
202503 1.300 319.799 1.342
202506 1.410 322.561 1.443
202509 1.422 324.800 1.446
202512 1.062 324.054 1.082
202603 1.494 330.213 1.494

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $5.79 mean?
Summit State Bank (SSBI) has a Cyclically Adjusted Revenue per Share of $5.79 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Summit State Bank and its competitors.
Is Summit State Bank's Cyclically Adjusted Revenue per Share too high?
Summit State Bank's current Cyclically Adjusted Revenue per Share is $5.79. Overall, Summit State Bank has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit State Bank's Cyclically Adjusted Revenue per Share compare to BKOR and CIWV?
Summit State Bank's Cyclically Adjusted Revenue per Share of $5.79 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Summit State Bank and its competitors. Summit State Bank's current Cyclically Adjusted Revenue per Share is $5.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit State Bank stock overvalued right now?
Based on GuruFocus' analysis, Summit State Bank (SSBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $9.88, compared to a current price of $12.74 — trading 28.9% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is $5.79. Summit State Bank's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Summit State Bank (SSBI), the current Cyclically Adjusted Revenue per Share is $5.79 as of Mar. 2026. 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 State Bank (SSBI) Overvalued in 2026?

Based on GuruFocus' analysis, Summit State Bank stock appears to be overvalued. The current stock price of $12.74 is trading 28.9% above its estimated GF Value™ of $9.88. GuruFocus considers Summit State Bank to be Modestly Overvalued.

Key valuation signals for SSBI:

  • Cyclically Adjusted Revenue per Share: $5.79
  • GF Value™: $9.88 vs. price of $12.74 (28.9% above fair value)
  • GF Score™: 60/100 with 4 warning signs

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


Summit State Bank Business Description

Address 500 Bicentennial Way, Santa Rosa, CA, USA, 95403
Summit State Bank provides various banking products and services to individuals and businesses in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, and retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and term and equipment loans, as well as loans to agriculture-related businesses.
60GF Score

Get the complete analysis for SSBI

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$12.74
Price
$9.88
GF Value