SMAL (Summit Bancshares,) Quality Rank

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
62 GF Score
Price $57.95
GF Value $40.30
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Summit Bancshares, Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Summit Bancshares, Quality Rank Related Terms

SMAL
62GF Score
Summit Bancshares, Inc. SMAL
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Summit Bancshares, (SMAL) Overvalued in 2026?

Based on GuruFocus' analysis, Summit Bancshares, stock appears to be overvalued. The current stock price of $57.95 is trading 43.8% above its estimated GF Value™ of $40.30. GuruFocus considers Summit Bancshares, to be Significantly Overvalued.

Key valuation signals for SMAL:

  • Quality Rank:
  • GF Value™: $40.30 vs. price of $57.95 (43.8% above fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for SMAL

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

$57.95
Price
$40.30
GF Value