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Summit State BankSSBI 60 FCF Yield % is 15.67 as of Sep. 09, 2026, which is 154% above its 10-year median of 6.18. 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 1,490 Banks companies, Summit State Bank ranks better than 73.56% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Summit State Bank FCF Yield % Related Terms
Summit State Bank FCF Yield % Historical Data
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The historical data trend for Summit State Bank's FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Summit State Bank's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Summit State Bank's FCF Yield % 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 FCF Yield % of 15.67 as of Sep. 09, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Summit State Bank and its competitors. This is 154% above median its historical median of 6.18. According to the industry distribution chart, Summit State Bank ranks #394 out of 1490 companies in the Banks industry, placing it in the top 26.4%.
Is Summit State Bank's FCF Yield % too high?
Summit State Bank's current FCF Yield % of 15.67 is 154% above median its 10-year median of 6.18. The Banks industry median FCF Yield % is 8.29. Summit State Bank's value of 15.67 is 89% above this industry median. Based on the distribution chart, Summit State Bank ranks #394 out of 1490 companies in the Banks industry, which is above the industry midpoint. 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 FCF Yield % compare to BKOR and CIWV?
According to the Banks industry distribution chart, Summit State Bank ranks #394 out of 1490 companies for FCF Yield %. This puts Summit State Bank in the upper half of its industry. The industry median FCF Yield % is 8.29. Summit State Bank's value of 15.67 is 89% above this benchmark. While the company's 10-year median is 6.18 vs. the industry median of 8.29, Summit State Bank has consistently been above 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.29, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Summit State Bank's current FCF Yield % of 15.67 is 89% above 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Summit State Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit State Bank's current FCF Yield % is 15.67, which is 154% above median its own 10-year median of 6.18. 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 FCF Yield % is 15.67, which is 154% above median its 10-year median of 6.18 and 89% above the Banks industry median of 8.29. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Summit State Bank (SSBI), the current FCF Yield % is 15.67 as of Sep. 09, 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:
FCF Yield %: 15.67 (154% above median its 10-year median of 6.18)
GF Value™: $9.88 vs. price of $12.74 (28.9% above fair value)
Industry Position: 89% above the Banks median (#394 of 1490)
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.
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