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SSBI

Summit State Bank

Financial Services · $86M market cap

Verdict

Share price

$12.19

close of Oct 3, 2026

Fair value

$22.28

Sticker Price

Payback Price

$8.91

buy price

Undervalued

SSBI is Undervalued: at $12.19 it trades 45% below its fair value of $22.28. Its buy price (Payback Price) is $8.91, 27% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth15.6% a year✓
Equity per share growth3.4% a year✗
Sales growth6.0% a year✗
Free cash flow growth4.0% a year✗
Return on invested capital2.1%✗

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About Summit State Bank

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, including professional, small business packaged, tiered, and retirement plan accounts. The company also provides loans…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works