$13.55
-0.22%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.
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extensionโmonitor closely.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
SSBI โข NASDAQ
| Summit State Bank Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 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 |
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