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SSBISSBIFinancial Services · Banks - Regional

SSBI Stock Forecast: Summit State Bank (California) Price Predictions for 2026-2027

Last close, 4 Nov 2026
$11
+0.53% on the day

Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 51 of 100 as at 3 Nov 2026 — in the upper half.

Market cap
$76.9M
Ticker Nerd rank
51/ 100
Median analyst target
—
Analysts covering
0
Revenue$10.1M+15.1% y/y
Net income$1.7M
Free cash flow$3.8M
Quarterly, 7 quarters to 31 Mar 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−2.5%
1M
−6.3%
YTD
−1.8%
1Y
+5.3%
From 52W high
−18.4%
From 52W low
+8.8%
$11
$14
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

SSBI stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Summit State Bank (California) on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 3 Nov 2026
51/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Issuance
84
Volatility
82
Accruals
76
Size
76
Growth
63
Value
42
Momentum
39
Revisions
25
Quality
12

Issuance (84): The share count has been shrinking and the company is not leaning on new borrowing.

Quality (12): Profits are thin or unreliable for the size of the business, or they are not turning into cash.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

Wall Street

SSBI stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on SSBI, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$11$12$13$14Jan 26Apr 26Jul 26Oct 26SSBI

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

Recent analyst actionsNewest first
DateFirmActionRatingTarget
6 May 2013Hilliard LyonsDowngradeNeutral—
6 Nov 2012Hilliard LyonsUpgradeLong-Term Buy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

SSBI appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
  • The AI build-out map, free: every AI company we track, part by part, and one part in full with each verdict.

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The AI build-out map
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Performance

SSBI vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 4 Nov 2026, Summit State Bank (California) returned +5.3% against +14.8% for the S&P 500, dividends included.

SSBI vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130Jan 26Apr 26Jul 26Oct 26SSBIS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

SSBI analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Fundamentals

Summit State Bank (California) (SSBI) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
34.8×

Cheaper than 22% of US stocks

Price / sales
3.2×

Cheaper than 37% of US stocks

Price / book
0.8×

Cheaper than 76% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
−41.6%

Higher than 7% of US stocks

Earnings growth (YoY)
15.1%

Higher than 54% of US stocks

Gross margin
—
Operating margin
−41.8%

Higher than 18% of US stocks

Net margin
1.4%

Higher than 50% of US stocks

Returns & dividend
Return on equity
0.3%

Higher than 44% of US stocks

Return on assets
0.0%

Higher than 44% of US stocks

Dividend yield
1.4%

Higher than 74% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Summit State Bank (California) (SSBI) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Summit State Bank (California) has a market value of $76.9M and an enterprise value of −$8.3M.

  • Revenue in the twelve months to 31 Mar 2026: $36.3M. The latest quarter shrank 41.6% year on year.

  • Net income over the same four quarters: $6.0M, a 16.5% net margin.

  • Free cash flow in the twelve months to 31 Mar 2026: $13.5M, after $44K of capital spending.

  • Shares outstanding: 6.8M.

  • Trailing P/E: 34.8×.

  • Forward dividend yield: 1.39%, paying out 0% of earnings.

  • Summit State Bank (California) employs 103 people — $353K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 31 Mar 2026 · market figures as at 4 Nov 2026

Data provided by Twelve Data

Peers

SSBI vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
SSBISummit State Bank (California)$76.9M51
ASRVAmeriServ Financial, Inc.$75.0M77
UBCPUnited Bancorp, Inc. (Ohio)$80.6M69
CLSTCatalyst Bancorp, Inc.$71.2M51
CPBICentral Plains Bancshares, Inc.$86.0M48
HFBLHome Federal Bancorp, Inc. of Louisiana$68.5M65
AUBNAuburn National Bancorporation, Inc.$88.0M54

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Summit State Bank (California) — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest SSBI news & analysis

Summit State Bank Reports Third Quarter 2026 Financial Results

GlobeNewsWire · 27 Oct 2026negative

Summit State Bank reported a third-quarter 2026 net loss of $1.098 million, or $0.16 per diluted share, compared with net income of $818,000, or $0.12 per diluted share, in the year-earlier quarter. Results included a $5.688 million provision for credit losses on loans and $507,000 in gross charge-offs following a review of certain higher-risk credits and new collateral information.

Why it matters — The reported loss and credit-loss provision provide SSBI watchers with information about the bank’s quarterly performance and credit-risk actions.

Summit State Bank Reports Second Quarter 2026 Financial Results

GlobeNewsWire · 28 July 2026negative

Summit State Bank reported a net loss of $1,307,000 ($0.19 loss per diluted share) for the second quarter of 2026, compared to net income of $2,417,000 ($0.36 per diluted share) for the same period in 2025.

Why it matters — The swing from profitability to a net loss signals a sharp downturn in the bank's financial performance over the past year.

FAQ

Frequently asked questions about SSBI stock

How does Ticker Nerd's model rank SSBI?

As at 3 Nov 2026, Summit State Bank (California) ranks 51 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Issuance (84 of 100).

What is the SSBI stock forecast for 2030?

No analyst covering Summit State Bank (California) publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for SSBI are extrapolating price history, which says nothing about the business.

How has SSBI stock performed over the past year?

Summit State Bank (California) returned +5.3% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Summit State Bank (California) do?

Summit State Bank Common Stock is the equity security of Summit State Bank, a California-chartered community bank headquartered in Santa Rosa, California. The bank provides a range of banking products and services for individuals, small businesses, nonprofits, and professional clients, with offerings that include deposit accounts, lending solutions, treasury management, and other commercial banking services.

What is the latest news on SSBI?

The most recent item we track (GlobeNewsWire, 27 Oct 2026): "Summit State Bank Reports Third Quarter 2026 Financial Results". Summit State Bank reported a third-quarter 2026 net loss of $1.098 million, or $0.16 per diluted share, compared with net income of $818,000, or $0.12 per diluted share, in the year-earlier quarter. Results included a $5.688 million provision for credit losses on loans and $507,000 in gross charge-offs following a review of certain higher-risk credits and new collateral information.

Company

About Summit State Bank (California).

Summit State Bank Common Stock is the equity security of Summit State Bank, a California-chartered community bank headquartered in Santa Rosa, California. The bank provides a range of banking products and services for individuals, small businesses, nonprofits, and professional clients, with offerings that include deposit accounts, lending solutions, treasury management, and other commercial banking services. Its business is centered on serving customers in Sonoma County and surrounding North Bay markets, where it supports local relationship-based banking needs. Summit State Bank Common Stock represents ownership in a regional financial institution focused on traditional banking activities and community-oriented service across its core markets.

CEO Mr. Brian J. Reed · 103 employees · United States · https://summitstatebank.com