SMAL (Summit Bancshares,) Ending Cash Position: $29.48 Mil (As of Dec. 2025)

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.

SMAL Summit Bancshares, Inc. SMAL
60 GF Score
Price $58.10
GF Value $40.31
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Summit Bancshares, Ending Cash Position?

Summit Bancshares, SMAL 60 Ending Cash Position is $29.48 Mil as of Dec. 2025. GuruFocus rates SMAL with a GF Score™ of 60/100 and a GF Value™ of $40.31 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Summit Bancshares,'s Ending Cash Position for the quarter that ended in Dec. 2025 was $29.48 Mil.

Summit Bancshares,'s quarterly Ending Cash Position declined from Dec. 2023 ($48.65 Mil) to Dec. 2024 ($20.50 Mil) but then increased from Dec. 2024 ($20.50 Mil) to Dec. 2025 ($29.48 Mil).

Summit Bancshares,'s annual Ending Cash Position declined from Dec. 2023 ($48.65 Mil) to Dec. 2024 ($20.50 Mil) but then increased from Dec. 2024 ($20.50 Mil) to Dec. 2025 ($29.48 Mil).

Summit Bancshares, Ending Cash Position Related Terms

Summit Bancshares, Ending Cash Position Historical Data

* Premium members only.

The historical data trend for Summit Bancshares,'s Ending 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, Ending Cash Position Chart

Summit Bancshares, Annual Data
Trend Dec10 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 128.47 85.35 48.65 20.50 29.48

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
Ending 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 128.47 85.35 48.65 20.50 29.48
SMAL
60GF Score
Summit Bancshares, Inc. SMAL
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Summit Bancshares, Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Summit Bancshares,'s Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=20.499+8.981
=29.48

Summit Bancshares,'s Ending Cash Position for the quarter that ended in Dec. 2025 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=20.499+8.981
=29.48

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $29.48 Mil mean?
Summit Bancshares, (SMAL) has a Ending Cash Position of $29.48 Mil as of Dec. 2025. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Summit Bancshares, and its competitors.
Is Summit Bancshares,'s Ending Cash Position too high?
Summit Bancshares,'s current Ending Cash Position is $29.48 Mil. Overall, Summit Bancshares, has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bancshares,'s Ending Cash Position compare to CLST and CCBC?
Summit Bancshares,'s Ending Cash Position of $29.48 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 Ending Cash Position for a Banks company?
A good Ending Cash Position depends on the Banks industry context. However, Ending 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 Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Summit Bancshares, and its competitors. Summit Bancshares,'s current Ending Cash Position is $29.48 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 $40.31, compared to a current price of $58.10 — trading 44.1% above its estimated fair value. The current Ending Cash Position is $29.48 Mil. Summit Bancshares,'s overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Summit Bancshares, (SMAL), the current Ending Cash Position is $29.48 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 $58.10 is trading 44.1% above its estimated GF Value™ of $40.31. GuruFocus considers Summit Bancshares, to be Significantly Overvalued.

Key valuation signals for SMAL:

  • Ending Cash Position: $29.48 Mil
  • GF Value™: $40.31 vs. price of $58.10 (44.1% above fair value)
  • GF Score™: 60/100 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.
60GF Score

Get the complete analysis for SMAL

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

$58.10
Price
$40.31
GF Value