SSBI (Summit State Bank) Moat Score: 4/10 (As of Sep. 09, 2026)

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SSBI Summit State Bank SSBI
60 GF Score
Price $12.87
GF Value $9.88
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Summit State Bank Moat Score?

Summit State Bank SSBI +1.02% 60 Moat Score is 4 as of Sep. 09, 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. Among 1,600 Banks companies, Summit State Bank ranks better than 86.19% on this metric.

Summit State Bank has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Summit State Bank has Narrow Moat: Summit State Bank has a discernible but modest moat with some customer loyalty and regional market presence. While it benefits from a stable distribution network, it lacks strong brand strength, significant intellectual property, or regulatory advantages to elevate it beyond a narrow moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Summit State Bank might have Narrow Moat - Discernible but modest moat.

Summit State Bank  (NAS:SSBI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Summit State Bank Moat Score Related Terms

SSBI vs BKOR, CIWV, SLRK: Moat Score Comparison

For the Banks - Regional subindustry, Summit State Bank's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Summit State Bank's Moat Score distribution charts can be found below:

* The bar in red indicates where Summit State Bank's Moat Score falls into.


SSBI
60GF Score
Summit State Bank SSBI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Summit State Bank (SSBI) has a Moat Score of 4 as of Sep. 09, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Summit State Bank ranks #221 out of 1600 companies in the Banks industry, placing it in the top 13.8%.
Is Summit State Bank's Moat Score too high?
Summit State Bank's current Moat Score is 4. Based on the distribution chart, Summit State Bank ranks #221 out of 1600 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 Moat Score compare to BKOR and CIWV?
According to the Banks industry distribution chart, Summit State Bank ranks #221 out of 1600 companies for Moat Score. This places Summit State Bank in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Summit State Bank's current Moat Score is 4. 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 $12.87 — trading 30.3% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Summit State Bank (SSBI), the current Moat Score is 4 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 $12.87 is trading 30.3% above its estimated GF Value™ of $9.88. GuruFocus considers Summit State Bank to be Modestly Overvalued.

Key valuation signals for SSBI:

  • Moat Score: 4
  • GF Value™: $9.88 vs. price of $12.87 (30.3% 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

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

$12.87
Price
$9.88
GF Value