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Summit State BankSSBI 60 Debt-to-Equity is 0.06 as of Mar. 2026, which is 89% below its 10-year median of 0.54. 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. Among 1,411 Banks companies, Summit State Bank ranks better than 93.27% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Summit State Bank's Debt-to-Equity or its related term are showing as below:
SSBI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.06 Med: 0.54 Max: 1.18
Current: 0.06
During the past 13 years, the highest Debt-to-Equity Ratio of Summit State Bank was 1.18. The lowest was 0.06. And the median was 0.54.
SSBI's Debt-to-Equity is ranked better than 93.27% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs SSBI: 0.06
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Summit State Bank Debt-to-Equity Related Terms
Summit State Bank Debt-to-Equity Historical Data
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The historical data trend for Summit State Bank's Debt-to-Equity 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.
SSBI vs BKOR, CIWV, SLRK: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Summit State Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Summit State Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Summit State Bank's Debt-to-Equity falls into.
* 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 (SSBI) has a Debt-to-Equity of 0.06 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Summit State Bank and its competitors. This is 89% below median its historical median of 0.54. Over the past decade, Summit State Bank's Debt-to-Equity has ranged from 0.06 to 1.18. According to the industry distribution chart, Summit State Bank ranks #95 out of 1411 companies in the Banks industry, placing it in the top 6.7%.
Is Summit State Bank's Debt-to-Equity too high?
Summit State Bank's current Debt-to-Equity of 0.06 is 89% below median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 1.18. The Banks industry median Debt-to-Equity is 0.58. Summit State Bank's value of 0.06 is 89.7% below this industry median. Based on the distribution chart, Summit State Bank ranks #95 out of 1411 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to BKOR and CIWV?
According to the Banks industry distribution chart, Summit State Bank ranks #95 out of 1411 companies for Debt-to-Equity. This places Summit State Bank in the top 7% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Summit State Bank's value of 0.06 is 89.7% below this benchmark. Historically, Summit State Bank's own Debt-to-Equity has ranged from 0.06 to 1.18 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 0.58, Summit State Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Summit State Bank's current Debt-to-Equity of 0.06 is 89.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Summit State Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit State Bank's current Debt-to-Equity is 0.06, which is 89% below median its own 10-year median of 0.54. 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 Debt-to-Equity is 0.06, which is 89% below median its 10-year median of 0.54 and 89.7% below the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Summit State Bank (SSBI), the current Debt-to-Equity is 0.06 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:
Debt-to-Equity: 0.06 (89% below median its 10-year median of 0.54)
GF Value™: $9.88 vs. price of $12.74 (28.9% above fair value)
Industry Position: 89.7% below the Banks median (#95 of 1411)
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 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
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