Summit State Bank
SSBIFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 8, 2026
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Daily timeframePart of the financial services sector, Summit State Bank (SSBI) is listed under Banks - Regional. Valued at $85.7M, SSBI is a micro-cap name in its sector. 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.
Market Cap
$85.7M
Beta
0.20
P/E (TTM)
38.36
P/E (Fwd)
—
EPS (TTM)
$0.33
EPS (Fwd)
—
ROE
2.3%
ROA
0.2%
Cash
$112.6M
Total Debt
$7.3M
Free CF
—
52W Change
7.0%
Annual Financials
Cash vs Debt
Where SSBI stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, SSBI finished 5.39% below its 150-day moving average ($13.37) and 2.39% below its 200-day moving average ($12.96). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is SSBI overbought or oversold?
At the September 3, 2026 close, SSBI's RSI(14) was 24.0, in oversold territory (below 30). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $112.6M in cash and $7.3M in debt, SSBI maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 2.3%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.2% is on the lower side, which is common in asset-heavy industries. Revenue has pulled back from $49.6M (2022) to $35.0M (2025), a 29% decline worth watching.
With a beta below 0.7, Summit State Bank typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. With cash comfortably exceeding debt, SSBI has financial flexibility that may help navigate uncertain periods. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing SSBI.