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Summit State Bank (SSBI) Key Ratios

Stock Card factsheet share-fund-plan-icon

$12.87

up-down-arrow $-0.03 (-0.23%)

As on 26-Aug-2026 16:00EDT

Market cap

info icon

$87 Mln

Revenue (TTM)

info icon

$58 Mln

P/E Ratio

info icon

38.8

P/B Ratio

info icon

0.9

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -0.43 -3.24 -6.28 -2.76 5.79
EBIT -- -- 457.04 -39.53 -23.43
Net Profit -178.08 -154.08 240.31 -47.58 -29.68
EPS -177.92 -153.97 239.69 -47.67 -30.09
Book Value -- -- 10.05 4.30 3.81
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 10.5523.838.4115.24-7.07
Net Margin info ----3.87----
Return on equity info 4.7510.452.227.05-4.43
Return on Capital info 3.846.93--6.64-4.17
Return on Assets info 0.410.900.200.66-0.38
Debt to Equity (x) info ----0.000.060.06

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
6.64
-4.17
9.05
12.38
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

2.22

Lower than Peers by 7.66

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
2.22
7.05
-4.43
11.62
19.64
Peer Median
9.89
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

0.20

Lower than Peers by 0.76

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
0.20
0.66
-0.38
0.97
1.64
Peer Median
0.96
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

8.41

Lower than Peers by 12.44

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
8.41
15.24
-7.07
23.49
42.51
Peer Median
20.85
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

3.87

Lower than Peers by 16.17

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
3.87
11.55
-6.76
16.63
30.22
Peer Median
20.04
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

0.00

Higher than Peers by 0.00

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
0.00
--
--
--
--
Peer Median
0.00
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

-6.28

Lower than Peers by 17.33

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
-6.28
-0.05
-0.05
0.16
0.21
Peer Median
11.04
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

457.04

Higher than Peers by 468.07

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
457.04
304.26
-128.72
-35.98
14.32
Peer Median
-11.04
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

240.31

Higher than Peers by 232.85

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
240.31
262.08
-138.75
-36.22
15.44
Peer Median
7.46
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

239.69

Higher than Peers by 233.79

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
239.69
2.62
-1.39
-0.36
0.15
Peer Median
5.90
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

3.10

Lower than Peers by 5.71

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
3.10
--
--
--
--
Peer Median
8.81
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
0.06
0.06
0.06
0.53
Peer Median
0.21
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
--
0.00
0.00
0.21
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

--

--

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
171.08
0.12
0.13
0.19
Peer Median
0.31
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

--

--

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
--
--
--
0.28
Peer Median
0.36
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.14

Lower than Peers by 0.61

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
1.14
0.38
-0.15
0.62
3.66
Peer Median
1.75
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

--

--

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
5.67
--
--
46.24
Peer Median
6.93
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.05

Higher than Peers by 0.00

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
0.05
0.06
0.06
0.06
0.05
Peer Median
0.05
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
20.73
--
145.78
126.43
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
--
--
-1,184.65
-2,511.71
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
--
--
183.11
360.10
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
--
--
-1,221.98
-2,745.37
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

38.76

Higher than Peers by 25.97

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
38.76
11.52
-12.26
7.61
6.23
Peer Median
12.79
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

0.85

Lower than Peers by 0.47

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
0.85
0.77
0.56
0.84
1.19
Peer Median
1.33
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
--
--
--
--
Peer Median
2.48
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

--

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
--
-3.92
13.55
-2.92
-0.36
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

87

Lower than Peers by 222

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
Summit State Bank (SSBI)
87
--
--
--
--
Peer Median
309
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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