Summit State Bank

Summit State Bank

SSBIยทNASDAQ

$13.55

-0.22%
Financial ServicesBanks - Regional

Summit State Bank provides various banking products and services to individuals and businesses primarily 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, individual retirement, and other 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 lines of credit, term, and equipment loans, as well as loans to agriculture-related businesses. In addition, the company provides Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it offers electronic banking, cash management, and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California, Irvine, and Scottsdale, Arizona. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.

At a Glance

Live Snapshot
Market Cap$91.75M
EPS1.0100
P/E Ratio13.42
Earnings Date05/05/2026
Summit State Bank

Summit State Bank Fair Value Envelope

SSBI ยท NASDAQ

Our analysis suggests that SSBI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $13.55, this represents a potential HIDDEN relative to our calculated worth for Summit State Bank.

Intrinsic Value
Current Price: $13.55

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$342.0M
+ Cash & Equivalents$65.5M
Firm Value$407.5M
- Debt$5.9M
Equity Value$401.5M
/ Shares Outstanding6,723,658B
DCF Value$60
UNDERVALUED BY 341%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$7.7M
$9.0M
$10.4M
$12.2M
$14.2M
$16.5M
$19.2M
$22.4M
$26.1M
$30.5M
Maintenance CapEx
-$11.0K
-$12.8K
-$14.9K
-$17.3K
-$20.2K
-$23.5K
-$27.4K
-$32.0K
-$37.3K
-$43.4K
Owner Earnings
$7.7M
$8.9M
$10.4M
$12.1M
$14.2M
$16.5M
$19.2M
$22.4M
$26.1M
$30.4M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$7.1M
$7.7M
$8.3M
$8.9M
$9.6M
$10.4M
$11.2M
$12.1M
$13.1M
$14.1M
Terminal Value represents 70.0% of Enterprise Value