Summit State Bank

Visual Financials
Company Name: Summit State Bank
Ticker Symbol: SSBI
WWW Address: http://www.summitstatebank.com
CEO: Thomas M. Duryea
No. of Employees: 74
Common Issue Type: CS
Business Description:Summit State Bank is a state-chartered commercial bank which provides banking services to individuals and businesses in the area of Sonoma County in California.

 
Industry Information: BANKING - Regional - Pacific Banks [more like this]
 Price  Day Change  Bid  Ask  Open  High  Low  Volume 
 11.2 Down -0.06 10.71 14.59 10.95 11.34 11.05 956
 Market Cap (mil) Shares Outstanding (mil) Beta EPS DPS P/E Yield 52-Wks-Range
 67.9 6.1 0.00 0.96 0.48 12.0 4.2 16.10 - 10.65
KEY FIGURES (Latest Twelve Months - LTM)
Yesterday's Close11.05$
PE Ratio - LTM12.0
Market Capitalisation67.9mil
Latest Shares Outstanding6.1mil
Earnings pS (EPS)0.96$
Dividend pS (DPS)0.48¢
Dividend Yield4.2%
Dividend Payout Ratio1%
Revenue per Employee388,857$
Effective Tax Rate41.2%
Float5.0mil
Float as % of Shares Outstanding0.8%
Foreign Sales-
Domestic Sales-
Selling, General & Adm/tive (SG&A) as % of Revenue-
Research & Devlopment (R&D) as % of Revenue-
Gross Profit Margin-
EBITDA Margin0.0%
Pre-Tax Profit Margin0.0%
Assets Turnover3.9%
Return on Assets (ROA)0.9%
Return on Equity (ROE)9.6%
Return on Capital Invested (ROCI)0.0%
Current Ratio-
Leverage Ratio (Assets/Equity)10.1
Interest Cover
Total Debt/Equity (Gearing Ratio)0.92
LT Debt/Total Capital48.0%
Working Capital pS-
Cash pS-
Book-Value pS10.14$
Tangible Book-Value pS9.46$
Cash Flow pS0.62$
Free Cash Flow pS0.47$
KEY FIGURES (LTM): Price info
Price/Book Ratio1.12
Price/Tangible Book Ratio0.00
Price/Cash Flow18.5
Price/Free Cash Flow24.0
P/E as % of Industry Group425.0%
P/E as % of Sector Segment80.0%
 
Balance Sheet (at a glance) in Millions
DIVIDEND INFO
Type of PaymentCash Payment
Dividend Rate0.48
Current Dividend Yield4.2
5-Y Average Dividend Yield6.4
Payout Ratio1.0
5-Y Average Payout Ratio117.0
Share price performance previous 3 years

Share price performance intraday

 
PRICE/VOLUMEHighLowClose% Price Chg% Price Chg vs. Mkt.Avg. Daily VolTotal Vol
1 Week----3.52,8345,317
4 Weeks11.7111.0511.16-1.01,95137,081
13 Weeks12.7911.0512.79-13.64,547286,482
26 Weeks13.3410.6511.80-6.35,054626,798
52 Weeks16.1010.6515.90-30.53,819954,807
YTD12.9211.05--6.34,239457,818
Moving Average5-Days10-Days10-Weeks30-Weeks200-DaysBeta (60-Mnth)Beta (36-Mnth)
11.3111.4011.4411.8012.700.000.00
 
GROWTH RATES5-Year
Growh
R² of 5-Year Growth3-Year
Growth
Revenue0.060.30.06
Income0.060.5-0.01
Dividend0.070.30.08
Capital Spending-0.10NA-0.06
R&D0.00NA0.00
Normalized Inc.0.00NA0.00
 
CHANGESYTD vs.
Last YTD
Curr Qtr vs.
Qtr 1-Yr ago
Annual vs.
Last Annual
Revenue %-15.0-15.05.7
Earnings %63.563.554.8
EPS %100.0100.087.9
EPS $0.090.090.29
 
SOLVENCY RATIOS
SHORT-TERM SOLVENCY RATIOS (LIQUIDITY)
Free Cash Flow Margin-14.95
Free Cash Flow Margin 5YEAR AVG-14.39
Cash-Flow pS0.00
Free Cash-Flow pS1.30
FINANCIAL STRUCTURE RATIOS
Financial Leverage Ratio (Assets/Equity)10.11
Debt Ratio0.00
Total Debt/Equity (Gearing Ratio)0.92
LT Debt/Equity0.92
LT Debt/Capital Invested48.01
LT Debt/Total Liabilities0.00
 
VALUATION RATIOS
MULTIPLES
PQ Ratio1.63
Tobin's Q Ratio0.11
Current P/E Ratio - LTM12.00
Enterprise Value (EV)/EBITDA0.00
Enterprise Value (EV)/Free Cash Flow27.54
Dividend Yield4.2
Price/Tangible Book Ratio - LTM0.00
Price/Book Ratio - LTM1.12
Price/Cash Flow Ratio18.5
Price/Free Cash Flow Ratio - LTM24.0
P/E Ratio (1 month ago) - LTM12.8
P/E Ratio (26 weeks ago) - LTM13.5
P/E Ratio (52 weeks ago) - LTM17.0
5-Y High P/E Ratio16.8
5-Y Low P/E Ratio9.2
5-Y Average P/E Ratio18.4
Current P/E Ratio as % of 5-Y Average P/E-9
P/E as % of Industry Group425.0
P/E as % of Sector Segment80.0
Current 12 Month Normalized P/E Ratio - LTM11.4
PER SHARE FIGURES
Tangible Book Value pS - LTM9.46
Book Value pS - LTM10.14
Capital Invested pS19.50
Cash Flow pS - LTM0.62
Free Cash Flow pS - LTM0.47
Earnings pS (EPS)0.96
 
OPERATING RATIOS
PROFITABILITY
Return on Equity (ROE)9.47
Return on Equity (ROE) - 5YEAR AVRG.0.1
Return on Capital Invested (ROCI)4.92
Return on Capital Invested (ROCI) - 5YEAR AVRG.
Return on Assets (ROA)0.94
Return on Assets (ROA) - 5YEAR AVRG.0.0
EBIT Margin - LTM0.0
EBITDA Margin - LTM0.0
Pre-Tax Profit Margin155.01
Pre-Tax Profit Margin - 5YEAR AVRG.157.42
Net Profit Margin27.29
Net Profit Margin - 5YEAR AVRG.27.69
Effective Tax Rate6.70
Effective Tax Rate - 5YEAR AVRG.11.44
EFFICIENCY RATIOS
Revenue per Employee - LTM373,607
Net Income per Employee - LTM68,536
Assets/Revenue - LTM0.00
Assets/Revenue - 5YEAR AVRG.2,924.56



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