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
3Y-52.0%
5Y+77.0%
10Y+26.0%
3Y-167.0%
5Y-147.0%
10Y+1304.0%
3Y-151.0%
5Y-145.0%
10Y+3148.0%
SSBI

Summit State Bank Cash Conversion Engine

SSBI ยท NASDAQ
Net Income6.80M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-4.03M
Others3.83M
Capital Expenditures-47.00K
Free Cash Flow6.55M

Cash Flow Quality Analysis

FCF Conversion Rate

96.4%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

0.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+16.5%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$4.03M

Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโ€”monitor closely.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Summit State Bank Cash Flow Statement

SSBI โ€ข NASDAQ

Summit State Bank Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
6.8M
-4.2M
10.8M
17M
14.7M
10.5M
6.5M
5.8M
3.3M
5M
6M
5.5M
4.3M
3.4M
2.2M
1.8M
2.1M
1M
1.9M
2.8M
0.0
392K
385K
391K
408K
433K
498K
346K
339K
312K
390K
425K
617K
710K
1.1M
766K
809K
891K
820K
711K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
292K
0.0
-358K
-996K
0.0
0.0
0.0
0.0
0.0
3.2M
0.0
-287K
0.0
-409K
16K
614K
460K
62K
235K
156K
21K
21K
24K
34K
43K
44K
41K
36K
24K
13K
3K
0.0
3.8M
9.5M
-4.9M
-7.6M
-7.9M
-5.7M
18.1M
-1.4M
-955K
-94K
-1.5M
-1.1M
0.0
0.0
2.8M
3.7M
3.7M
4.6M
618K
-952K
(360K)
(429K)
(6.5M)
(5.6M)
(5.7M)
(5.7M)
(2.1M)
(3.2M)
(2.7M)
(3.6M)
(3.1M)
(3.3M)
(3.3M)
(0.0)
(1.5M)
(2.1M)
(0.0)
(510K)
(1.5M)
(0.0)
-4M
592K
-8.7M
3.3M
-196K
-1.6M
-879K
-1.1M
1.3M
18K
-442K
-11K
790K
2.5M
634K
-3K
-1.7M
-886K
95K
-341K
6.6M
5.9M
-2.4M
13.7M
7.5M
3.7M
24.5M
3.7M
4.2M
5.2M
4.5M
4.9M
6.4M
8.5M
6.8M
6.3M
4.9M
5.7M
3.5M
1.9M
INVESTING ACTIVITIES
(0.0)
-231K
-240K
-175K
-91K
-126K
-996K
-870K
-205K
-227K
-85K
-723K
-962K
-139K
-190K
-349K
-759K
-253K
-1.1M
-234K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-10.3M
(0.0)
(5.5M)
(0.0)
(0.0)
(5.5M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-3.6M
-583K
-34M
-35.7M
-65.9M
(0.0)
-3.5M
-17M
-71M
-19.5M
-19.8M
-24.2M
-111.3M
-86M
-27.6M
-24.9M
-28.8M
-17M
-1.1M
0.0
16.2M
998K
2.3M
30.9M
61.9M
19.1M
10.2M
46.3M
87.6M
18.8M
18.4M
14.2M
75.4M
32.9M
21.6M
38.6M
21.6M
5.4M
9.9M
79M
24.4M
-20.4M
-85.3M
-70.1M
-164.5M
-90.3M
-65.4M
-81.5M
-10.7M
0.0
6.2M
0.0
0.0
5.9M
4.1M
7.3M
-30.7M
-13.2M
-30.8M
(79M)
(36.8M)
-20.2M
-117.2M
-75M
-168.7M
-72.3M
-59.6M
-52.4M
(5.6M)
-56.9M
(4.1M)
-16.9M
-49.8M
-47.4M
-2.3M
(20.2M)
-38.2M
-26M
-22.3M
FINANCING ACTIVITIES
0.0
0.0
0.0
0.0
33K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
169K
0.0
0.0
0.0
0.0
-6K
-622K
0.0
0.0
0.0
-41M
-7.5M
-5M
7.9M
-5.3M
41.8M
-53.9M
13.1M
20.8M
-13.5M
8.5M
26.3M
1.8M
-8.1M
-35.3M
30.4M
28.7M
13M
(0.0)
-1.9M
-3.3M
-3.2M
-3M
-2.9M
-2.9M
-2.9M
-2.8M
-2.3M
-2.4M
-2.2M
-2.3M
-2.2M
-2.3M
-2.1M
-2.1M
-1.7M
-1.7M
-1.5M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(5.3M)
(0.0)
(0.0)
(0.0)
-13.8M
(0.0)
(0.0)
(0.0)
-8.5M
(0.0)
(0.0)
-6K
-881K
(0.0)
-71.5M
-47.1M
47M
151.1M
85.3M
152.5M
72.7M
-32.2M
149.4M
-13M
42M
14M
264K
28.9M
31.8M
15.7M
11.5M
-13.2M
-1.6M
-46.1M
-71.5M
-49M
2.8M
140.3M
77.3M
157.5M
64.4M
6.7M
92.7M
-2.2M
46.7M
-1.7M
6.7M
53M
36.4M
5.5M
-25.9M
23.3M
24.6M
-34.6M
CASH FLOW SUMMARY
14.1M
-6.4M
-19.8M
36.9M
9.9M
-7.5M
16.6M
-49.1M
44.6M
8.6M
-5.7M
7.2M
-3.9M
11.7M
-4.2M
9.5M
-717K
-9.2M
2.2M
-55M
51.4M
57.8M
77.6M
40.7M
30.8M
38.3M
21.7M
70.8M
26.2M
17.6M
23.3M
16.1M
20M
8.3M
12.5M
2.9M
3.7M
12.8M
10.6M
65.6M
65.5M
51.4M
57.8M
77.6M
40.7M
30.8M
38.3M
21.7M
70.8M
26.2M
17.6M
23.3M
16.1M
20M
8.3M
12.5M
2.9M
3.7M
12.8M
10.6M
6.5M
5.6M
-2.6M
13.5M
7.4M
3.6M
23.5M
2.9M
4M
5M
4.4M
4.1M
5.4M
8.4M
6.6M
6M
4.2M
5.4M
2.3M
1.9M

SEC Filings

SSBI - Filing history and reports

No SEC filings available for SSBI