Summit State Bank (SSBI) Key Metrics
SSBI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $83.9M
- Enterprise value
- −$21.6M
- P/E (TTM)
- 37.6 10-yr median 11.5
- Forward P/E
- 23.9
- PEG ratio
- —
- Price / sales
- 3.1 10-yr median 2.1
- Price / book
- 0.8 10-yr median 1.2
- EV / EBITDA
- — 10-yr median 2.5
- Dividend yield
- —
- Beta
- 0.35
SSBI key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsSSBI valuation Price multiples at each fiscal year-end price.
SSBI returns How much profit the business earns on the capital it uses.
SSBI per-share figures Results divided by the shares outstanding at year-end.
SSBI financial health Debt, liquidity and how easily interest is covered.
SSBI efficiency & capital use Working capital cycle and where the cash goes.
SSBI valuation history
SSBI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
SSBI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
SSBI cash returned to shareholders
SSBI price vs earnings per share
SSBI key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $78.3M | $51.4M | $82.4M | $105.7M | $103.5M | $81.9M | $78.7M | $71.5M | $76.3M | $72.4M |
| Enterprise value | $18.7M | −$54.2M | −$45.8M | −$8.8M | $47.8M | $42.5M | $37.7M | $36.4M | −$56.2M | $9.1M |
| P/E ratio | 11.5 | — | 7.6 | 6.2 | 7.0 | 7.8 | 12.2 | 12.3 | 23.2 | 14.6 |
| Price / sales | 1.3 | 0.8 | 1.3 | 1.9 | 2.2 | 2.0 | 2.4 | 2.6 | 3.4 | 3.3 |
| Price / book | 0.8 | 0.6 | 0.8 | 1.2 | 1.2 | 1.1 | 1.2 | 1.2 | 1.3 | 1.2 |
| Price / free cash flow | 12.0 | 9.1 | — | 7.8 | 2.0 | 22.8 | 25.1 | 24.8 | 18.9 | 14.5 |
| Price / operating cash flow | 11.9 | 8.8 | — | 7.7 | 2.0 | 22.0 | 19.0 | 19.1 | 18.0 | 13.9 |
| EV / sales | 0.3 | -0.9 | -0.7 | -0.2 | 1.0 | 1.0 | 1.2 | 1.3 | -2.5 | 0.4 |
| EV / EBITDA | 2.0 | — | — | — | 2.2 | 2.8 | 4.0 | 4.3 | — | 1.0 |
| EV / free cash flow | 2.9 | — | — | — | 0.9 | 11.8 | 12.0 | 12.7 | — | 1.8 |
| Earnings yield | 8.7% | −8.2% | 13.1% | 16.1% | 14.2% | 12.8% | 8.2% | 8.2% | 4.3% | 6.9% |
| Free cash flow yield | 8.4% | 10.9% | −3.2% | 12.8% | 50.2% | 4.4% | 4.0% | 4.0% | 5.3% | 6.9% |
| Dividend yield | 0.0% | 3.7% | 3.9% | 3.1% | 2.9% | 3.6% | 3.7% | 4.1% | 3.6% | 3.2% |
| Shareholder yield (dividends + buybacks) | 0.0% | 3.7% | 3.9% | 3.1% | 2.9% | 3.6% | 3.7% | 4.1% | 3.6% | 3.2% |
| Share price at fiscal year-end | $11.63 | $7.65 | $12.30 | $15.80 | $15.49 | $12.25 | $11.79 | $10.70 | $11.45 | $10.91 |
| Per share | ||||||||||
| Revenue per share | $8.74 | $9.24 | $9.71 | $8.40 | $6.95 | $6.07 | $4.86 | $4.17 | $3.37 | $3.30 |
| Earnings per share | $1.01 | −$0.62 | $1.62 | $2.54 | $2.20 | $1.57 | $0.97 | $0.87 | $0.49 | $0.75 |
| Operating cash flow per share | $0.98 | $0.87 | −$0.36 | $2.05 | $7.79 | $0.56 | $0.62 | $0.56 | $0.64 | $0.79 |
| Free cash flow per share | $0.97 | $0.84 | −$0.39 | $2.03 | $7.77 | $0.54 | $0.47 | $0.43 | $0.61 | $0.75 |
| Cash per share | $9.74 | $16.60 | $20.02 | $24.13 | $16.47 | $14.78 | $13.85 | $13.75 | $22.14 | $19.92 |
| Book value per share | $15.04 | $13.66 | $14.58 | $13.24 | $12.61 | $11.32 | $10.08 | $9.21 | $8.95 | $8.83 |
| Tangible book value per share | $15.04 | $13.66 | $13.97 | $12.63 | $12.00 | $10.70 | $9.46 | $8.59 | $7.72 | $7.59 |
| Dividends per share | $0.00 | $0.28 | $0.49 | $0.48 | $0.45 | $0.44 | $0.44 | $0.44 | $0.41 | $0.35 |
| Capex per share | $0.01 | $0.03 | $0.04 | $0.03 | $0.01 | $0.02 | $0.15 | $0.13 | $0.03 | $0.03 |
| Debt per share | $0.88 | $0.88 | $0.88 | $7.01 | $8.14 | $8.89 | $7.70 | $8.50 | $2.25 | $10.38 |
| Shares outstanding | 6.7M | 6.7M | 6.7M | 6.7M | 6.7M | 6.7M | 6.7M | 6.7M | 6.7M | 6.6M |
| Change in shares outstanding | +0.2% | +0.2% | +0.2% | +0.1% | +0.0% | 0.0% | +0.0% | +0.2% | +0.4% | −0.2% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 7.0% | −4.4% | 11.6% | 19.6% | 18.4% | 14.7% | 10.1% | 9.6% | 5.6% | 8.6% |
| Return on invested capital (ROIC) | 48.9% | — | — | — | 45.3% | 33.7% | 24.6% | — | — | — |
| Return on assets (ROA) | 0.7% | −0.4% | 1.0% | 1.6% | 1.6% | 1.3% | 1.0% | 0.9% | 0.6% | 1.0% |
| Return on tangible assets | 0.7% | −0.4% | 1.0% | 1.5% | 1.5% | 1.2% | 0.9% | 0.9% | 0.5% | 1.0% |
| Free cash flow margin | 11.1% | 9.1% | −4.0% | 24.1% | 111.9% | 8.9% | 9.7% | 10.3% | 18.0% | 22.8% |
| Income quality (OCF / net income) | 0.97 | — | −0.22 | 0.81 | 3.54 | 0.35 | 0.64 | 0.64 | 1.29 | 1.05 |
| Financial health | ||||||||||
| Total debt | $5.9M | $5.9M | $5.9M | $46.9M | $54.4M | $59.4M | $51.5M | $56.8M | $15.0M | $68.9M |
| Cash & short-term investments | $65.5M | $111.5M | $134.1M | $161.4M | $110.1M | $98.8M | $92.5M | $91.9M | $147.6M | $132.2M |
| Net debt | −$59.6M | −$105.5M | −$128.2M | −$114.4M | −$55.7M | −$39.4M | −$41.1M | −$35.1M | −$132.6M | −$63.4M |
| Debt / equity | 0.06 | 0.06 | 0.06 | 0.53 | 0.65 | 0.79 | 0.76 | 0.92 | 0.25 | 1.18 |
| Debt / assets | 0.01 | 0.01 | 0.01 | 0.04 | 0.06 | 0.07 | 0.07 | 0.09 | 0.02 | 0.13 |
| Net debt / EBITDA | −6.38 | — | −8.18 | −4.72 | −2.62 | −2.56 | −4.38 | −4.18 | −21.18 | −7.23 |
| Current ratio | 171.08 | 0.12 | 0.13 | 0.19 | 0.15 | 0.15 | 0.17 | 0.19 | 0.28 | 0.35 |
| Quick ratio | 171.08 | 0.12 | 0.13 | 0.28 | 0.20 | 0.19 | 0.24 | 0.19 | 0.28 | 0.35 |
| Interest coverage | 0.4 | -0.1 | 0.6 | 3.7 | 4.8 | 2.4 | 1.3 | 2.0 | 2.8 | 6.8 |
| Working capital | $65.1M | −$851.1M | −$875.6M | −$787.9M | −$693.9M | −$624.5M | −$479.5M | −$407.2M | −$385.4M | −$251.6M |
| Invested capital | $41.6M | −$13.8M | −$30.5M | −$25.9M | $28.6M | $36.2M | $26.3M | $26.5M | −$72.9M | −$4.7M |
| Tangible asset value | $101.2M | $91.7M | $93.6M | $84.4M | $80.2M | $71.5M | $63.2M | $57.4M | $51.4M | $50.4M |
| Net current asset value | −$837.9M | −$863.9M | −$890.7M | −$839.5M | −$750.8M | −$683.9M | −$531.0M | −$464.0M | −$400.4M | −$318.6M |
| Graham number | $18.48 | — | $23.02 | $27.50 | $24.99 | $20.02 | $14.83 | $13.45 | $9.98 | $12.19 |
| Graham net-net per share | −$124.15 | −$128.67 | −$132.98 | −$132.59 | −$116.10 | −$105.24 | −$82.67 | −$69.65 | −$60.19 | −$48.15 |
| Capital allocation | ||||||||||
| Dividends paid | $0 | $1.9M | $3.3M | $3.2M | $3.0M | $2.9M | $2.9M | $2.9M | $2.8M | $2.3M |
| Share buybacks (net) | — | — | — | — | $33,000 | — | $0 | — | $0 | $0 |
| Dividend payout ratio | 0.0% | — | 30.0% | 19.0% | 20.3% | 27.7% | 45.0% | 50.0% | 83.6% | 46.4% |
| Dividends + buybacks / free cash flow | 0.0% | 33.7% | — | 23.8% | 5.8% | 81.1% | 92.8% | 101.3% | 68.1% | 46.1% |
| Capex / revenue | 0.1% | 0.4% | 0.4% | 0.3% | 0.2% | 0.3% | 3.1% | 3.1% | 0.9% | 1.0% |
| Capex / operating cash flow | 0.7% | 3.9% | — | 1.3% | 0.2% | 3.4% | 24.1% | 23.2% | 4.8% | 4.3% |
| Capex / depreciation | 0.12 | 0.59 | 0.62 | 0.45 | 0.22 | 0.29 | 2.00 | 2.51 | 0.60 | 0.73 |
| Stock-based compensation / revenue | 1.3% | −0.7% | 0.0% | 1.1% | 1.0% | 0.2% | 0.7% | 0.6% | 0.1% | 0.1% |
| SG&A / revenue | 27.6% | 29.6% | 28.3% | 31.6% | 32.1% | 30.9% | 39.4% | 44.4% | 48.5% | 43.8% |
| Efficiency | ||||||||||
| Days sales outstanding | 20.7 | — | — | 126.3 | 80.6 | 57.2 | 55.2 | 51.8 | 60.6 | 76.1 |
| Days of inventory on hand | — | — | — | -2,510.0 | -2,522.5 | -1,656.1 | -1,901.1 | — | — | — |
| Days payables outstanding | — | — | — | 359.8 | 318.4 | 174.2 | 140.1 | 214.6 | 315.8 | 728.4 |
| Cash conversion cycle (days) | — | — | — | -2,743.5 | -2,760.3 | -1,773.1 | -1,986.0 | -162.9 | -255.3 | -652.3 |
| Receivables turnover | 17.62 | — | — | 2.89 | 4.53 | 6.38 | 6.61 | 7.05 | 6.03 | 4.80 |
| Payables turnover | — | — | — | 1.01 | 1.15 | 2.10 | 2.61 | 1.70 | 1.16 | 0.50 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Average receivables | $3.3M | — | — | $19.4M | $10.3M | $6.4M | $4.9M | $4.0M | $3.7M | $4.6M |
| Average payables | — | — | — | $8.9M | $4.9M | $3.9M | $3.0M | $2.6M | $2.3M | $2.5M |
| Average inventory | — | — | — | −$62.4M | −$39.1M | −$37.5M | −$40.2M | — | — | — |
| Intangibles / total assets | 0.0% | 0.0% | 0.4% | 0.4% | 0.4% | 0.5% | 0.6% | 0.7% | 1.3% | 1.6% |
Computed from SSBI's annual financial statements (latest annual report filed December 31, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
SSBI valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Summit State Bank traded at 11.5 times earnings, against a 10-year median of 11.5. Based on the latest twelve months, the trailing P/E is 37.6 and the forward P/E is 23.9. Summit State Bank earned a return on equity of 7.0% and a return on invested capital of 48.9% in fiscal 2025. It ended the year with $5.9 million of debt and $65.5 million in cash and short-term investments, a net cash position of $59.6 million.
See the SSBI income statement, the SSBI chart for price history, or the SSBI stock overview for the latest quote and news.
SSBI key metrics FAQ
What is Summit State Bank's P/E ratio?
Summit State Bank's trailing P/E ratio is 37.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 23.9. At the end of fiscal 2025 it was 11.5, compared with a 10-year median of 11.5.
What is Summit State Bank's EV/EBITDA?
Summit State Bank's enterprise value was 2.0 times EBITDA at the end of fiscal 2025 (enterprise value $18.7 million, EBITDA $9.3 million).
What is Summit State Bank's return on equity?
Summit State Bank's return on equity (ROE) was 7.0% in fiscal 2025: net income of $6.8 million on average shareholders' equity of $96.4 million.
What is Summit State Bank's ROIC?
Summit State Bank's return on invested capital was 48.9% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Summit State Bank have?
Summit State Bank had total debt of $5.9 million at the end of fiscal 2025, a debt-to-equity ratio of 0.06 and more cash than debt.
Does Summit State Bank pay a dividend?
Summit State Bank did not pay a dividend in fiscal 2025.
What is Summit State Bank's free cash flow yield?
Summit State Bank generated $6.5 million of free cash flow in fiscal 2025, a free cash flow yield of 8.4% on its market value at year-end ($78.3 million).
What is Summit State Bank's current ratio?
Summit State Bank's current ratio was 171.08 at the end of fiscal 2025: current assets were 171.08 times current liabilities.