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Summit State Bank SSBI NASDAQ

NASDAQ Global Market • Financial Services • Banks - Regional • US • USD

SharesGrow Score
60/100
2/7 Pass
SharesGrow Intrinsic Value
$36.92
+168.9%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

Summit State Bank (SSBI) trades at a trailing P/E of 13.5. Trailing earnings yield is 7.42%. Graham Number is $18.65.

Criteria proven by this page:

  • VALUE (96/100, Pass) — P/E is below market average (13.5); earnings yield beats bond yields (7.42%).
  • Trailing Earnings Yield 7.42% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.

Overall SharesGrow Score: 60/100 with 2/7 criteria passed.

SharesGrow 7-Criteria Score
60/100
SG Score
View full scorecard →
VALUE
96/100
Price-to-Earnings & upside
Proven by this page
FUTURE
20/100
Analyst consensus
→ Forecast
~
PAST
75/100
→ Income
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
MOAT
35/100
→ Income
GROWTH
73/100
→ Income
~
INCOME
55/100
→ Income

Valuation Snapshot — SSBI

Valuation Multiples
P/E (TTM)13.5
Forward P/EN/A
PEG RatioN/A
Forward PEGN/A
P/B Ratio0.91
P/S Ratio1.56
EV/EBITDA3.5
Per Share Data
EPS (TTM)$1.02
Book Value / Share$15.17
Revenue / Share$8.82
FCF / Share$0.98
Yields & Fair Value
Earnings Yield7.42%
Dividend Yield0.00%
Graham Number$18.65
SharesGrow IV$36.92 (+168.9%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 14.5 -0.87 1.23 3.29 3.20%
2017 23.5 -0.70 1.29 3.44 3.56%
2018 12.3 0.17 1.16 2.56 4.08%
2019 12.2 1.06 1.17 2.42 3.70%
2020 7.8 0.12 1.08 2.02 3.56%
2021 7.0 0.18 1.23 2.23 2.89%
2022 6.2 0.40 1.19 1.88 3.05%
2023 7.6 -0.21 0.84 1.27 3.95%
2024 -12.2 0.09 0.56 0.83 3.69%
2025 11.5 -0.04 0.77 1.33 -

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $0.75 $21.93M $4.97M 22.7%
2017 $0.49 $22.43M $3.29M 14.7%
2018 $0.87 $27.88M $5.83M 20.9%
2019 $0.97 $32.47M $6.48M 19.9%
2020 $1.57 $40.58M $10.52M 25.9%
2021 $2.20 $46.43M $14.7M 31.7%
2022 $2.54 $56.16M $16.97M 30.2%
2023 $1.62 $65.06M $10.82M 16.6%
2024 $-0.62 $62.03M $-4.19M -6.8%
2025 $1.01 $58.82M $6.8M 11.6%
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