profit from every $100 of sales.
$0$100
Summit State Bank
$11.30-0.79% today
+7.3% in 1 year
1-year low $10.501-year high $14.00
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.25 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Summit State Bank sold, what it kept, and what it did with the cash.
Sales went from $49.6 million in 2022 to $35.0 million in 2025, with $6.80 million of profit last year.
SalesProfit
Summit State Bank vs. similar companies
Summit State Bank grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Summit State Bank | 11.3× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads Summit State Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 50 | 40 | 33 | 35 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 17 | 11 | -4 | 7 | |
| 2.54 | 1.62 | -0.62 | 1.01 | |
| – | – | – | – | |
| – | – | – | – | |
| 34.2% | 26.9% | -12.8% | 19.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,115 | 1,123 | 1,067 | 1,005 |
| Cash | 78 | 58 | 51 | 66 |
| Total debt | 47 | 6 | 6 | 6 |
| Total liabilities | 1,027 | 1,025 | 975 | 903 |
| 89 | 98 | 92 | 101 | |
| 7 | 7 | 7 | 7 | |
| – | – | – | – | |
| 19.2% | 11.1% | -4.6% | 6.7% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 14 | -2 | 6 | 7 | |
| 0 | 0 | 0 | 0 | |
| 14 | -3 | 6 | 7 | |
| Dividends paid | 3 | 3 | 2 | 0 |
| – | – | – | – | |
| 1 | 0 | -0 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.3×
- –
- –
- 0.9×
- 2.2×
- 8.9%
- 0.0%
Profitability
- 19.4%
- 0.6%
- 7.1%
- 6.0%
- 0.6%
Growth
- −11.0%
- −26.5%
- −8.5%
- +0.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 21%of 843
Bottom 31%of 730
Top 33%of 866
Bottom 10%of 862
Top 33%of 921
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.25 | – | – |
| Jan 27, 2026 | 0.16 | – | – |
| Oct 29, 2025 | 0.12 | – | – |
| Jul 29, 2025 | 0.36 | – | – |
| Apr 29, 2025 | 0.37 | – | – |
| Jan 28, 2025 | -0.37 | – | – |
| Oct 30, 2024 | 0.09 | – | – |
| Jul 31, 2024 | 0.14 | – | – |
News
Jensen Huang pulls out of ElevenLabs Summit amid Nvidia controversyYahoo Finance · Nov 9, 2026Federal Realty signals $7.54-$7.58 core FFO per share guidance while integrating $508M The Summit acquisitionSeeking Alpha · Oct 30, 2026Miami AI Summit Draws 700+ for Sold-Out Gathering of Global AI and Emerging Tech LeadersYahoo Finance · Oct 26, 2026Summit Therapeutics reports survival benefit for cancer drug in trialSeeking Alpha · Oct 25, 2026Trump awarding medals to Musk, Dell, Nadella and other tech execs at science summitCNBC · Oct 7, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
48No pass
Benjamin Graham
62Pass
Philip Fisher
51No pass
Peter Lynch
30No pass
Joel Greenblatt
20No pass
Charlie Munger
52No pass
Terry Smith
42No pass
Questions about Summit State Bank
Is Summit State Bank a good stock to buy?
A solid business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Summit State Bank AI analysis
What does Summit State Bank do?
Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It is in Banks - Regional.
Does Summit State Bank pay a dividend?
No. Summit State Bank does not pay a dividend at the moment.
Is Summit State Bank stock halal?
No. Summit State Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Summit State Bank stock done over the past year?
Up 7.3% over the past twelve months, to $11.30. It traded between $10.50 and $14.00 and is 19.3% below its high.
Who are Summit State Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Summit State Bank's.
Prices: daily closes to Nov 6, 2026. Fundamentals: company reports via invest-like data.