Summit State Bank engages in providing an array of financial services to small and medium-sized businesses, their owners and employees, entrepreneurs, high net worth families, foundations, estates, and individual consumers. The company is headquartered in Santa Rosa, California. The company went IPO on 2006-07-14. The Bank operates a traditional community banking business within its primary service area of Sonoma County in California. The company provides an array of financial services for small to medium-sized businesses and their owners and employees, entrepreneurs, families, foundations, estates and individual consumers. The Bank offers depository and lending services primarily to meet the needs of its business, nonprofit organization, and individual clientele. These services include a variety of transaction, money market, savings and time deposit account alternatives. The Bank's lending activities are primarily focused on commercial real estate, construction, and business loans. The company provides a set of loan products, such as commercial loans and leases, lines of credit, commercial real estate loans, Small Business Administration (SBA), loans and others. Its branch locations include Santa Rosa, Petaluma, Rohnert Park and Healdsburg.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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--
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Revenue Growth (YoY)
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Cost of Revenue
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--
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Gross Profit
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--
--
--
--
--
Selling, General & Admin
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--
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Research & Development
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Operating Expenses
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--
--
--
--
Other Non Operating Income (Expenses)
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--
--
--
--
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Pretax Income
8
8
-4
15
23
20
Income Tax Expense
2
2
0
4
6
6
Net Income
6
6
-4
10
16
14
Net Income Growth
-250%
-250%
-140%
-38%
14%
40%
Shares Outstanding (Diluted)
6.73
6.71
6.71
6.69
6.68
6.68
Shares Change (YoY)
0%
0%
0%
0%
0%
0%
EPS (Diluted)
1.01
1.01
-0.62
1.61
2.53
2.2
EPS Growth
-262%
-262%
-139%
-36%
15%
40%
Free Cash Flow
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5
-2
13
51
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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0
0
0
0
EBIT
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EBIT Margin
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Effective Tax Rate
25%
25%
0%
26.66%
26.08%
30%
Follow-Up Questions
What are Summit State Bank's key financial statements?
According to the latest financial statement (Form-10K), Summit State Bank has a total asset of $1,004, Net profit of $6
What are the key financial ratios for SSBI?
Summit State Bank's Current ratio is 1.11, has a Net margin is 0, sales per share of $0.
How is Summit State Bank's revenue broken down by segment or geography?
Summit State Bank largest revenue segment is Commercial Bank, at a revenue of 40,663,000 in the most earnings release.For geography, United States is the primary market for Summit State Bank, at a revenue of 40,663,000.
Is Summit State Bank profitable?
yes, according to the latest financial statements, Summit State Bank has a net profit of $6
Does Summit State Bank have any liabilities?
yes, Summit State Bank has liability of 903
How many outstanding shares for Summit State Bank?
Summit State Bank has a total outstanding shares of 6.77