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SSBI

Market Cap: $82.59M

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Summit State Bank

SSBI

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By Cashu Finance. Providing market news, analysis, and research for investors worldwide.

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© 2026 Cashu Technologies Pty Ltd. All rights reserved. Cashu Finance is a trademark of Cashu Technologies Pty Ltd.

The content published on Cashu Finance is for informational purposes only and should not be construed as investment advice, a recommendation, or an offer to buy or sell any securities. All opinions expressed are those of the authors and do not reflect the official position of Cashu Technologies Pty Ltd or its affiliates. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions.

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Financials

Profitability

Gross Profit Margin46.87%

EBITDA Margin5.54%

EBIT Margin5.07%

Pre-tax Margin5.07%

Net Profit Margin3.87%

Earnings Yield2.73%

Valuation Multiples

Price / Book0.81

Price / Sales1.42

Price / Earnings35.90

PEG0.23

Forward PEG0.23

EV / Sales-0.41

EV / EBITDA-7.45

EV / Operating Cash Flow-1.34

EV / Free Cash Flow-1.35

Price / Free Cash Flow4.65

Price / Operating Cash Flow4.59

Cash Flow & Capital

Free Cash Flow / Share$2.63

Operating Cash Flow / Share$2.66

Free Cash Flow Yield21.49%

Capex / Revenue0.35%

Capex / Operating Cash Flow1.15%

Capex / Depreciation0.75

Stock Compensation / Revenue0.99%

Dividend Payout Ratio0.00%

Dividend Yield0.00%

Liquidity & Leverage

Current Ratio0.00

Quick Ratio0.00

Cash Ratio0.00

Debt / Assets0.01

Debt / Capital0.06

Debt / Equity0.06

Long-Term Debt / Capital0.06

Debt / Market Cap7.21%

Net Debt / EBITDA-33.06

Solvency Ratio0.00

Financial Leverage9.47

Efficiency & Working Capital

Asset Turnover0.06

Fixed Asset Turnover12.08

Inventory Turnover0.00

Receivables Turnover0.00

Payables Turnover0.00

Days Sales Outstanding0

Days Inventory Outstanding0

Days Payables Outstanding0

Operating Cycle0

Cash Conversion Cycle0

Working Capital Turnover-0.18

Returns & Quality

Return on Equity2.22%

Return on Assets0.23%

Return on Invested Capital0.23%

ROCE0.31%

Return on Tangible Assets0.23%

Operating Return on Assets0.30%

Income Quality7.98

Tax Burden0.76

Interest Burden1.00

Balance Sheet & Intrinsic Metrics

Enterprise Value$-24.01M

Invested Capital$117.37M

Working Capital$112.55M

Tangible Asset Value$101.36M

Net Current Asset Value$-745.87M

Graham Number$10.62

Graham Net-Net-$110.54

Book Value / Share$15.02

Tangible Book Value / Share$15.02

Cash / Share$16.68

Financial Health Scores

Piotroski Score5

Altman Z-Score0.37

Revenue$58.21M

EBIT$2.95M

Market Cap$84.62M

Working Capital$112.55M

Retained Earnings$70.04M

Total Assets$959.78M

Total Liabilities$858.43M