SSBI Valuation

Summit State Bank

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10.912

+0.142(1.318%)1D

SSBI Relative Valuation

SSBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SSBI is overvalued; if below, it's undervalued.

Historical Valuation

Summit State Bank (SSBI) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Summit State Bank (SSBI) is between to according to relative valuation methord.

Relative Value

Fair Zone

Current Price：10.91

Fair

0.00

Trailing

Forward

0.00

EV/EBITDA

Summit State Bank. (SSBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Summit State Bank. (SSBI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Summit State Bank. (SSBI) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.

0.00

P/OCF

Summit State Bank. (SSBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Summit State Bank. (SSBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Summit State Bank (SSBI) has a current Price-to-Book (P/B) ratio of 0.66. Compared to its 3-year average P/B ratio of 0.85 , the current P/B ratio is approximately -22.21% higher. Relative to its 5-year average P/B ratio of 1.03, the current P/B ratio is about -35.84% higher. Summit State Bank (SSBI) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 3.87%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 10.40% , the current FCF yield is about -100.00% lower.

0.66

P/B

Median3y

0.85

Median5y

1.03

0.00

FCF Yield

Median3y

3.87

Median5y

10.40

Competitors Valuation Multiple

The average P/S ratio for SSBI's competitors is 13.57, providing a benchmark for relative valuation. Summit State Bank Corp (SSBI) exhibits a P/S ratio of , which is -100.00% above the industry average. Given its robust revenue growth of 2.10%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Bayfirst Financial Corp

Auburn National Bancorporation Inc

First US Bancshares Inc

12.24

3.26%

74.20M

Performance Decomposition

Market capitalization of SSBI increased by 43.76% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 17.11 to 29.96.

The secondary factor is the Revenue Growth, contributed 2.10%to the performance.

Overall, the performance of SSBI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

2.10%

8.15M → 8.33M

Revenue Growth

75.10%

17.11 → 29.96

Margin Expansion

-33.44%

-30.28 → -20.15

P/E Change

43.76%