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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Summit State Bank's Enterprise Value is $-20.73 Mil.
Summit State Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $13.51 Mil. Therefore, Summit State Bank's EV-to-FCF for today is -1.53.
The historical rank and industry rank for Summit State Bank's EV-to-FCF or its related term are showing as below:
SSBI'
s EV-to-FCF Range Over the Past 10 Years
Min: -28.43 Med: 7.14 Max: 165
Current: -1.53
During the past 13 years, the highest EV-to-FCF of Summit State Bank was 165.00. The lowest was -28.43. And the median was 7.14.
SSBI's EV-to-FCF is ranked better than 91.69% of 1192
companies
in the Banks industry
Industry Median: 6.68
vs SSBI: -1.53
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Summit State Bank (NAS:SSBI) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Summit State Bank's PE Ratio (TTM) for today is calculated as:
Summit State Bank's share price for today is $13.11.
Summit State Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.890.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Summit State Bank EV-to-FCF Related Terms
Summit State Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Summit State Bank's EV-to-FCF 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.
For the Banks - Regional subindustry, Summit State Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Summit State Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Summit State Bank's EV-to-FCF falls into.
Summit State Bank's current Enterprise Value is $-20.73 Mil.
Summit State Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $13.51 Mil.
* 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 EV-to-FCF of -1.53 as of Jul. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Summit State Bank and its competitors. According to the industry distribution chart, Summit State Bank ranks #99 out of 1192 companies in the Banks industry, placing it in the top 8.3%.
Is Summit State Bank's EV-to-FCF too high?
Summit State Bank's current EV-to-FCF is -1.53. Based on the distribution chart, Summit State Bank ranks #99 out of 1192 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit State Bank's EV-to-FCF compare to FUSB and CBKM?
According to the Banks industry distribution chart, Summit State Bank ranks #99 out of 1192 companies for EV-to-FCF. This places Summit State Bank in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.68. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Summit State Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit State Bank's current EV-to-FCF is -1.53. 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 Significantly Overvalued. The stock's GF Value™ is $10.03, compared to a current price of $13.11 — trading 30.7% above its estimated fair value. The current EV-to-FCF is -1.53. Summit State Bank'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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Summit State Bank (SSBI), the current EV-to-FCF is -1.53 as of Jul. 26, 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 $13.11 is trading 30.7% above its estimated GF Value™ of $10.03.
GuruFocus considers Summit State Bank to be Significantly Overvalued.
Key valuation signals for SSBI:
EV-to-FCF: -1.53
GF Value™: $10.03 vs. price of $13.11 (30.7% above fair value)
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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