프리마켓
로그인 회원가입
SSBI
SSBI
Summit State Bank
7월 27일 4:00 PM ET (한국 7/28 05:00)
$12.88
-0.23 ▼ -1.75%

서밋스테이트뱅크(SSBI) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독
시가총액
$86M
스몰캡
P/E
14.5
저평가 구간
배당수익률
없음
52주 위치
69%
저점 +24% · 고점 -8%
애널리스트
-
D
Fundamental health
vs. Banks - Regional 초소형주
수익성
Top 47%
성장
Top 66%
밸류에이션
Top 73%
재무 안정
Top 96%
Index -P/E 14.51EPS (ttm) 0.89Insider Own 33%Shs Outstand 6.8MPerf Week -5.15%
Market Cap 0.09BForward P/E -EPS next Y -Insider Trans -Shs Float 4.5MPerf Month -5.36%
Enterprise Value -PEG -EPS next Q -Inst Own 27.88%Short Float 0.21%Perf Quarter -6.05%
Income 0.01BP/S 1.47EPS this Y -Inst Trans 1.97%Short Ratio 1.8Perf Half Y -4.77%
Sales 0.06BP/B 0.85EPS next 5Y -ROA 0.58%Short Interest 0.01MPerf YTD 10.75%
Book/sh 15.16P/C -EPS past 3/5Y -26.45% -8.5%ROE 6.04%52W High -8% ($14.00)Perf Year 10.31%
Cash/sh -P/FCF 6.37Sales past 3/5Y 1.29% 7.49%ROIC 5.45%52W Low 24.44% ($10.35)Perf 3Y -25.12%
Dividend Est. -EV/EBITDA -EPS Y/Y TTM 292.7%Gross Margin -Volatility(W/M) 1.15% 1.45%Perf 5Y -11.56%
Dividend TTM -EV/Sales -Sales Y/Y TTM -5.51%Oper. Margin 13.89%ATR (14) 0.22Perf 10Y 30.12%
Dividend Ex-Date 2024/10/3Quick Ratio -EPS Q/Q -33.03%Profit Margin 10.2%RSI (14) 35.51Recom -
Dividend Gr. 3/5Y -Current Ratio 0.2Sales Q/Q -0.87%SMA20 -4.71% ($13.52)Beta 0.18Target Price $8
Payout -Debt/Eq 0.07Earnings -SMA50 -4.79% ($13.53)Rel Volume 3.87Prev Close $13.11
Employees 103LT Debt/Eq 0.07EPS/Sales Surpr. -SMA200 1.56% ($12.68)Avg Volume(3M) 0.01MPrice $12.88
IPO 2006/7/14Option/Short No/YesTrades 91Volume 20,647Change -1.75%
Quarterly earnings trend Quarterly earnings data is not yet available — foreign-listed companies (ADRs) only file annual reports with the U.S., and recently listed companies may not have filed their first quarterly report.

📊 Summit State Bank (SSBI) Investment Analysis

What kind of company is Summit State Bank?

서밋스테이트뱅크(SSBI) 가치주
Financial · Banks - Regional
Small-Cap — Low Volume, High Volatility

Summit State Bank (SSBI) is a community bank based in California, USA. It accepts deposits and offers loans to local small business owners, small and medium-sized enterprises, and individual customers, operating as a small regional bank that focuses on relationship-based community banking, primarily through commercial real estate lending and small business financing.

Learn more about Summit State Bank →
Market Cap
$0.1B
Approx. KRW 0.1 trillion
⚖️ 0% of Samsung Electronics
Market Cap Rank4626
Employees103people
IPO2006/07/14
Current Price$12.88 ≈ 17,646원
NASD · USA

Key Events

⏰ Upcoming events
🔔 Earnings release
The next release date has not been announced yet.
🎯 Ex-dividend date
No scheduled dividends
📜 Recent events
🔔 Earnings release 2025년 10월 29일 (수) · 장 시작 전
🎯 Ex-div 2024년 10월 3일 (목)

Is it profitable?

Financial health caution
Profitability — How efficiently it makes money
Operating Margin
Profit kept from selling products and services (higher is better)
13.9%
✓ 평균
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 Median 16.7% · Bottom 40%
💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수
Net Margin
Share of revenue left after taxes and interest are paid
10.2%
✓ 평균
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 Median 13.6% · Bottom 35%
💡 일반적으로 8% 이상이면 양호, 15% 이상이면 우수
ROE
Annual return earned on shareholders' equity (15%+ is strong)
6.0%
✓ 양호
My positionMid-range
Low range Average High range
Financial 초소형주 Median 3.2% · Top 31%
💡 일반적으로 15% 이상이면 우수 (단, 부채 레버리지 효과 주의)
ROA
Annual earnings relative to total company assets
0.6%
✓ 평균
My positionMid-range
Low range Average High range
Financial 초소형주 Median 1.0% · Bottom 47%
💡 일반적으로 5% 이상이면 양호, 10% 이상이면 우수
ROIC
Return generated per dollar invested in the business
5.5%
✓ 우수
My positionTop 25%
Low range Average High range
Financial 초소형주 Median 2.2% · Top 24%
💡 자본비용(보통 8~10%)보다 높으면 가치 창출, 15% 이상이면 우수
Financial health — Debt & liquidity burden
Debt-to-Equity (D/E)
Debt relative to equity (lower is healthier)
0.07
✓ Very low debt
My positionTop 5%
Low range Average High range
Banks - Regional Median 0.42
💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)
Current Ratio
Liquid assets available to cover liabilities due within a year
0.20
✓ 위험
💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의
* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook
Positive and negative signals are mixed
애널리스트 목표가
$8.00
현재가 대비 -37.9%
💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균
⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Insufficient historical earnings data

No analyzable past earnings releases have been collected yet.

Is it growing?

Average Growth
Mid-range within the industry
Declining Growth EPS or revenue is declining — check for structural issues or economic sensitivity
📊 How much has it grown? (actual results)
Past 3-Year EPS
Actual average annual EPS growth over the past 3 years
-26.4%
부진
My positionBottom 25%
Low range Average High range
가치주 초소형주 Median 2.4% · Bottom 19%
Past 5-Year EPS
Actual average annual EPS growth over the past 5 years
-8.5%
평균
My positionMid-range
Low range Average High range
가치주 초소형주 Median 9.4% · Bottom 26%
Past 5-Year Revenue
How much revenue grew over the past 5 years
+7.5%
양호
My positionMid-range
Low range Average High range
가치주 초소형주 Median 7.3% · Top 49%
⚡ Short-term momentum
QoQ Revenue
Revenue change from the previous quarter (short-term momentum)
-0.9%
평균
My positionMid-range
Low range Average High range
가치주 초소형주 Median 5.3% · Bottom 38%
* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

Has the stock risen over the long term?

Long-term weakness — -80%p below the market
SSBI -11.6% · S&P 500 +68.3%
Excess return vs. market (price-based, ex-dividends)
5-year basis
vs S&P 500
-79.9%p
Significantly behind the market
1-year basis
vs S&P 500
-5.7%p
slightly behind the market
Rank among peers
5-year return Bottom 18% Based on 64 peers
1-year return Bottom 21% Based on 76 peers
Current position within 52-week range
Low (-24.4%p) High (-8.0%p)
Current price is 24.4% above the 52-week low and 8.0% below the 52-week high
Recent risk (last 120 trading days)
Max drawdown
-7.8%
Annualized volatility
21.9%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

  • close
  • BB Upper
  • BB Mid
  • BB Lower
  • Tenkan
  • Kijun
  • Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🔵
Current diagnosis · 2026-07-27
Oversold zone — rebound potential

Current price $12.88 fell below the lower band ($13.00). Selling pressure excessive; worth watching for a short-term bounce. Below the Ichimoku cloud (bearish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🔴
Current diagnosis · 2026-07-27
Bearish momentum holding

MACD -0.118 < Signal -0.056 in negative zone + Hist negative (-0.063). Weakness in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🔴
Current diagnosis · 2026-07-27
Bearish zone

RSI 33.7 (below the neutral level of 50). Selling pressure leads, indicating a weak trend. Stoch %K is also 13.4.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

Cheaper than peers in its industry
Cheap on Vs. Assets·Vs. Sales·Vs. Cash Flow, In line with peers on Vs. Earnings
💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.
💵 Vs. Earnings Mid-range
🏢 Vs. Assets Cheap
🧾 Vs. Sales Cheap
💧 Vs. Cash Flow Cheap
💵 Vs. Earnings
PER Price-to-Earnings Ratio
How expensive the price is vs. earnings — lower is cheaper
14.51x
✓ Fair
My positionMid-range
Low range Average High range
Banks - Regional 초소형주 median 12.79x · Around the industry average
💡 PER 15 이하 저평가, 25 이상이면 성장성 검증 필요 (적자 기업은 의미 없음)
🏢 Vs. Assets
PBR Price-to-Book Ratio
Price vs. the company's asset value — below 1 trades cheaper than assets
0.85x
✓ Very cheap
My positionTop 25%
Low range Average High range
Banks - Regional 초소형주 median 1.01x · Top 24% — relatively cheap within the industry
💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)
🧾 Vs. Sales
PSR Price-to-Sales Ratio
Market cap vs. revenue — lower is cheaper relative to sales
1.47x
✓ Very cheap
My positionTop 25%
Low range Average High range
Banks - Regional 초소형주 median 2.07x · Top 24% — relatively cheap within the industry
💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)
💧 Vs. Cash Flow
P/FCF Price-to-Free-Cash-Flow Ratio
Price vs. actual cash generation — lower means more efficient
6.37x
✓ Very cheap
My positionTop 5%
Low range Average High range
Banks - Regional 초소형주 median 12.93x · Top 1% — relatively cheap within the industry
💡 P/FCF 20 이하면 현금창출 대비 저평가 (실질 수익성 기준)
Analyst target price (reference)
$8.00 vs. current price -37.9%
* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.
As of: Recent snapshot · Peer group: Banks - Regional 초소형주

Who owns it?

Ownership flow is positive
Institutional net buying +2.0% · Short interest light 0.2%
📈 Recent trading flow (6 months)
🧑‍💼 Insiders (executives & directors)
-
No trading data for Insiders
🏦 Institutions (funds & investors)
+2.0%
Institutions net buying
💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.
👥 Holdings composition
🏦 Institutions 27.9%
Moderate institutional participation
Financial 초소형주 Median 30.5%
🧑‍💼 Insiders 33.0%
Founder/management large holders (strong skin-in-the-game)
Financial 초소형주 Median 23.8%
👤 Retail investors (estimated) 39.1%
Everyone excluding institutions and insiders
Institutions Insiders Retail (est.)
📉 Short-selling metrics
Short ratio
0.2%
Low — limited short-side pressure
Financial 초소형주 Median 0.2%
Past 90 days Little change
Short interest days to cover
1.8 days
Days needed to close short positions using average trading volume
🧮 Share count
Total shares outstanding 6.8M주
Float (tradable shares) 4.5M주
* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 90 days.

ETFs holding SSBI

* Based on official quarterly filings. Latest disclosure; actual current weights may differ.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)
Sorted by market cap, largest first
StockMarket CapPERPBRROEDividend YieldChange
SSBI SSBI This Stock
$86.0M14.5 0.8 6.04% - -1.8%
BRK-B
$966.4B14.8 1.5 10.49% - +0.5%
BRK-A
$963.1B14.8 1.5 10.49% - +0.1%
JPM
$954.4B15.3 2.7 17.71% 1.8% +0.8%
V
$683.1B31.9 19.4 59.8% 0.75% +1.9%
MA
$487.5B31.9 72.8 232.56% 0.63% +2.2%
Sector Avg-13.61.39.39%2.62%-
📊
See the market at a glance with a real-time dashboard Track premarket, regular, and after-hours quotes, screeners, and heatmaps on a single screen

FAQ

What kind of company is 서밋스테이트뱅크(SSBI)?

서밋스테이트뱅크(SSBI) belongs to the Financial sector and operates in the Banks - Regional industry.

What is the market cap of SSBI?

The market cap of SSBI is approximately $86M, ranking 4,626 within its sector.

What is the P/E ratio of SSBI?

SSBI has a P/E ratio of approximately 14.5x, which can be used to assess its valuation relative to the Financial sector average.

What is the 52-week high and low for SSBI?

SSBI has recorded a 52-week high of $14.00 and a low of $10.35.

시황 · 실적발표 · 매수매도 신호, 가장 먼저 받아보세요 🔔 구독

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.